September 17, 2018

Insurance Misconceptions Pt. I – The Agent


Working in the insurance industry, I’ve come to find that during discussions with family and friends I’m often having to paint a “prettier” image of the job of an agent and the industry itself. Here, you will find a few of these misconceptions and the reality of insurance as I’ve come to know it first-hand. Working with an agent is more expensive It actually saves time and money when you go to an agent for your insurance needs. Think of it as your one- stop shop. When you go to an agent at VAST, they are able to seek out … Continue reading

July 26, 2018

What is an EOB?


You contact your insurance agent for assistance on understanding a recent medical claim. More than likely, your agent will ask for a copy of the EOB to better assist in answering your questions. Your first thought may be, “What is an EOB?!” If this has been you, don’t worry.  In insurance talk, the abbreviation EOB stands for “Explanation of Benefits.”   An EOB is a document that members enrolled in a medical benefits insurance plan will receive after a claim has been processed. The document will be from the insurance company.  It will provide a detailed explanation of what was billed … Continue reading

July 6, 2018

Understanding Medicare Diagram


Medicare can often be a confusing thing, especially if you are still in the workforce. Below is an easy to follow diagram for understanding Medicare.

June 11, 2018

Who is at Fault for a Fallen Tree?


This is an issue that tends to cause a lot of confusion and frustration for many people. If a neighbor’s tree falls on your property, whether it be your home or business, who should have to pay?  Naturally, most people feel that it isn’t their fault, or their tree, so why should their insurance have to pay for the damage?  In most cases it isn’t really anyone’s fault.  The most common reasons trees fall are from storms, which is an act of Mother Nature. There are cases where your neighbor could be liable if their tree damages your property. For … Continue reading

May 14, 2018

Latest in Fire Safety


Technology continues to advance in so many ways and this also includes technology for fire safety. Some of the new fire alarms have some really cool features. There are “smart alarms” that will send a notification to your phone if the alarm goes off and can tell you if it is a smoke alarm or carbon monoxide, and also the location of the fire. For example, the alarm will tell you “there is smoke in the kitchen” and when one speaks they all speak, so if you are in a different room you will know there’s smoke in the kitchen. … Continue reading

May 4, 2018

Home Insurance & Preventing Losses in the Spring


With spring finally here, it’s a great time for home and car owners to review their insurance policies to be sure that they are covered against the types of damage that come with the change in weather. During the spring, floods and the resulting water damage can be caused by the combination of snow melt and heavy rains that come with this time of year. If you’re not prepared, water damage can do permanent structural damage to your home. According to online notes, 30,000 – 40,000 incidents happen each year involving water damage in basements significant enough to warrant an … Continue reading

May 1, 2018

Preventative Care Benefits


Did you know that your medical plan may cover certain treatments 100% before you hit your deductible? These are known as preventative care benefits / services. These benefits allow you to get certain things done, and the health plan will pay for them at no cost to you. Things that are generally covered are: Blood Pressure, Diabetes and Cholesterol test Cancer screenings Flu shots Screenings for STIs Smoking attestation Well baby visits Mammograms Well woman visits Annual physicals Please remember to take advantage of these benefits / services.  If you are not sure what is covered, always check with your … Continue reading

April 20, 2018

Spring Proofing


It’s that time of the year again, where the flowers are coming out to bloom, and temperatures are increasing. You can start to see some lovely brown grass patches from the melting snow, and the threat of water damage from all that melting snow! Weather is unpredictable, especially here in the U.P., so when it comes to our homes we need to be sure we are protected for those unsuspected and unpleasant weather days.  I’m going to help you take some precautions to help minimize the chance of water damage this spring! Being sure that your property is grated can … Continue reading

March 28, 2018

Blue 365


If you’re a member of a Blue Cross Blue Shield of Michigan or Blue Care Network (BCN) group health care plan, you have access to resources that you may not be aware of. One of those resources is member discounts with Blue 365®. Members of Blue Cross and BCN plans are eligible to receive savings on a variety of health-related products and services.   These discounts include exclusive deals on things like: Gym memberships Cooking classes Weight-loss programs Fitness gear Travel and recreation Contact lenses Lasik Dental care Hearing aids Fitness magazines Members can take advantage of these discounts by … Continue reading

National healthcare open enrollment starts November 1st. Contact us at 906.228.7500 to schedule your appointment.

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