Tag Archives: health-insurance

Can I Still Work and Get Medicare? What Every Woman Over 50 Needs to Know

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By Audrey Childers
Founder of TheHypothyroidismChick.com | Licensed Medicare Agent | Author & Wellness Advocate

If you’re approaching 65 and still working, you might be asking: “Do I need to enroll in Medicare if I still have health insurance through my job?”

Short answer? Maybe.

Long answer? It depends on the size of your employer, your coverage type, and your future health needs. And if you’re a woman navigating thyroid issues, hormone shifts, or chronic illness—you really can’t afford to get this wrong.

Let’s make it simple.

📊 Do I Have to Enroll in Medicare at 65 If I’m Still Working?

If your employer has fewer than 20 employees, YES. Medicare becomes your primary insurance, and you must enroll in Part A and Part B to avoid penalties and coverage gaps.

If your employer has 20+ employees, you may be able to delay enrolling in Part B (and D) without penalty if your group coverage is considered “creditable” (meaning it meets Medicare’s standards).

🏋️ What If I Have Thyroid or Autoimmune Issues?

Here’s where it gets real: most employer plans don’t prioritize ongoing hormone care, comprehensive thyroid panels, or specialist access like endocrinologists or functional medicine doctors.

💡 Audrey’s Tip: Medicare often offers broader access to specialists and lower out-of-pocket costs on certain prescriptions if you choose the right plan.

If your thyroid meds aren’t covered well under your employer plan, it might be time to do a side-by-side comparison.

📕 How to Know When It’s Time to Switch

Ask yourself:

  • Are your prescriptions getting more expensive?
  • Are you being denied referrals or labs you need?
  • Is your coverage making you jump through hoops just to see the right provider?
  • Are you planning to retire in the next 6-12 months?

If the answer is yes to any of these, it might be time to transition into Medicare now—or at least create a plan for a smooth switch.

🚑 My Health Isn’t “Average”. What Should I Do?

You need a Medicare plan that reflects your reality:

  • Thyroid dysfunction
  • Autoimmune triggers
  • Hormonal shifts
  • Mental health ups and downs

Not all plans are created equal—and none are built specifically for women 50+ with complex wellness needs.

That’s why I created TheHypothyroidismChick.com.

📖 Books by Audrey Childers

Want more clarity, guidance, and wellness wisdom?

Check out my books:

  • Reset Your Thyroid: 21-Day Meal Plan to Reset Your Thyroid
  • Hashimoto’s Crock-Pot Recipes
  • A Women’s Holistic Holy Grail Handbook for Hypothyroidism
  • Fresh & Fabulous Hypothyroidism Body Balance
  • Available now on Amazon (Search: Author A.L. Childers )

🎁 Get the Free Survival Guide

Don’t leave your Medicare or thyroid care to chance.

Download your Free Thyroid & Insurance Survival Guide for Women 50+:
Click to access thyroid_insurance_survival_guide_audrey_childers-1.pdf

Click to access thyroid-insurance-survival-guide.pdf

Includes:

  • Labs to request
  • Questions to ask your doctor or insurance agent
  • Medicare vs ACA comparison
  • A checklist to help you transition with confidence

Join my email list and get access to future freebies, books, and guides just for women like you!

🚀 Want More?

📬 Check out my article on TheHypothyroidismChick.com
🔎 Search Audrey Childers Medicare blog
📖 Find my book on Amazon by searching ‘Audrey Childers Medicare’
🔍 Google ‘Medicare for thyroid disease + The Hypothyroidism Chick’

📌 Disclaimer:

This article is for educational purposes only and is not a substitute for personalized advice from a licensed agent or healthcare provider. Coverage options vary by state, employer size, and plan availability. Audrey Childers is not affiliated with Medicare or any government agency.

“For more, visit TheHypothyroidismChick.com

Let’s make Medicare make sense—even while you’re still working.
👩‍🎓 Audrey Childers

Easy-to-Understand Medicare Guidance

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Because healthcare shouldn’t feel like homework

By Audrey Childers | TheHypothyroidismChick.com

Navigating Medicare can feel like reading a foreign language—Parts A, B, C, and D, enrollment windows, networks, deductibles—it’s enough to make your head spin.

But here’s the truth: It doesn’t have to be confusing.

As a licensed Medicare agent and wellness advocate, I help real people every day understand how Medicare works without jargon or scare tactics. This guide is here to help you feel empowered, informed, and at peace—because everyone deserves healthcare that makes sense.

🧩 What Is Medicare, Really?

Medicare is a federal health insurance program primarily for:

  • People age 65 or older
  • Some younger people with disabilities
  • People with End-Stage Renal Disease (ESRD)

There are 4 parts:

PartWhat it Covers
AHospital stays, hospice, skilled nursing
BDoctor visits, outpatient care, preventive services
CMedicare Advantage (combines A & B, often D)
DPrescription drug coverage

💡 Think of it like a puzzle—your job is to find the pieces that fit your needs and budget best.

📅 When Should I Enroll in Medicare?

Initial Enrollment Period (IEP) is your first window:

  • Begins 3 months before your 65th birthday
  • Ends 3 months after your birthday month (7 months total)

Missing this can result in penalties, so don’t wait too long!

✅ Already retired? You’ll likely sign up for both Parts A and B.

✅ Still working? You may qualify for a delay if your employer coverage meets certain criteria.

🛒 Do I Need All the Parts?

That depends on:

  • Your health conditions
  • Your medications
  • Your preferred doctors
  • Your financial situation

For example, many people pair Original Medicare (Parts A & B) with:

  • A Part D plan (prescriptions)
  • A Medigap policy (to help with out-of-pocket costs)

Others choose a Medicare Advantage (Part C) plan, which bundles coverage and often includes extras like dental, vision, and gym memberships.

⚠️ Warning: Not all doctors accept Advantage plans. Always check your provider’s network!

💊 What About Prescriptions? (Part D)

Even if you’re not taking meds now, signing up for Part D on time avoids lifetime penalties.

💡 Tip: Choose a low-cost plan just to stay protected.

💰 Is Medicare Free?

Part A is usually free if you or your spouse worked and paid taxes for 10+ years.

Part B has a monthly premium (around $174.70 in 2024), and you may pay more based on income.

💊 Part D and Medigap or Advantage plans also come with their own costs—but many people find options that work within their budget.

❤️ What If I Have Chronic Conditions Like Hypothyroidism or Hashimoto’s?

Then choosing the right plan becomes even more important.

✅ Make sure your doctors, specialists, and lab work are covered.
✅ Check if your prescriptions are on the plan’s formulary.
✅ Look for extra perks like telehealth, nutritional counseling, and wellness support.

As someone who lives with thyroid disease, I built TheHypothyroidismChick.com to help you combine wellness with smart insurance choices. You deserve care that actually works for your life.

🤝 Need Help Picking a Plan?

Most people don’t know this, but working with a licensed Medicare agent is 100% free to you—and it can save you thousands in the long run.

If you’d like help:

  • Understanding your options
  • Avoiding penalties
  • Finding the plan that fits your real-life health needs

📩 Visit me at TheHypothyroidismChick.com and join my blog list for free Medicare checklists, enrollment reminders, and clear, compassionate guidance.

💌 Subscribe for Free Medicare Support

Want easy-to-understand info sent to your inbox?

✔️ No spam
✔️ No pressure
✔️ Just real answers from someone who gets it

🎁 Click here to join the list and get access to:

  • Enrollment timelines
  • Plan comparison cheat sheets
  • Thyroid health and Medicare tips
  • Exclusive guides and wellness resources

👩‍💼 About the Author

Audrey Childers is a licensed Medicare agent and the founder of TheHypothyroidismChick.com. After managing her own autoimmune conditions and health frustrations, Audrey became passionate about helping others—especially women 50+—cut through the confusion of Medicare and chronic care with warmth, wisdom, and real talk.

📜 Disclaimer

This article is for educational purposes only and does not replace personalized advice from a licensed agent or official Medicare sources. Medicare policies change frequently and vary by location. Audrey Childers is an independent agent not affiliated with or endorsed by the U.S. government or Medicare.

5 Medicare Mistakes to Avoid (and How to Make Smarter Choices Instead)

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By Audrey Childers, Licensed Insurance Agent & Health Advocate
Visit me at TheHypothyroidismChick.com for more support on Medicare, thyroid health, and everyday wellness.

Medicare can feel like alphabet soup—Parts A, B, C, D—and one wrong turn can cost you more than money. Whether you’re approaching 65 or helping a loved one navigate their options, understanding the most common Medicare mistakes can save you stress, time, and hard-earned cash.

Here are 5 costly Medicare mistakes to avoid—and what to do instead.

❌ Mistake #1: Missing Your Initial Enrollment Window

Q: What happens if I miss my Medicare enrollment deadline?

A: If you don’t sign up for Medicare during your Initial Enrollment Period (three months before and after your 65th birthday), you may face late penalties that stick with you for life—especially on Part B and Part D.

Tip: Even if you’re still working, it’s essential to understand whether your current employer coverage qualifies you for delayed enrollment without penalty.

✅ Solution: Put a reminder in your calendar to review Medicare options at least 6 months before you turn 65. Better yet, speak to a licensed agent who can walk you through it. (Want help? Visit TheHypothyroidismChick.com to connect.)

❌ Mistake #2: Choosing the Wrong Plan Without Comparing Options

Q: Should I just stick with Original Medicare or go with Medicare Advantage?

A: That depends on your budget, health needs, and doctor preferences. Many people make the mistake of choosing a plan because it sounds familiar—without comparing benefits, costs, or networks.

✅ Solution: Review all your options—Original Medicare (Parts A & B), Part D for prescriptions, Medigap, or Medicare Advantage (Part C). Use tools like Medicare.gov or connect with a trusted agent.

❌ Mistake #3: Ignoring Prescription Drug Coverage (Part D)

Q: I’m not taking medications now—do I need a Part D plan?

A: Yes! If you skip Part D when you’re first eligible and try to enroll later, you may pay a permanent late-enrollment penalty.

✅ Solution: Even if you take no medications, choose a low-cost Part D plan to avoid penalties and protect yourself from future expenses.

❌ Mistake #4: Assuming Your Doctor Is Covered Without Checking

Q: My doctor takes Medicare, so I’m covered, right?

A: Not always. Some providers don’t accept all Medicare Advantage plans, and others opt out of Medicare altogether.

✅ Solution: Always check your provider’s network status before choosing a Medicare Advantage plan. And confirm with your doctor’s office—not just the insurance company.

❌ Mistake #5: Not Getting Help from a Licensed Agent

Q: Can’t I just do this myself online?

A: You can, but Medicare is full of small print, changing rules, and hidden costs. Working with a licensed agent is 100% free to you and helps ensure you’re getting the best plan for your needs.

✅ Solution: Connect with a local Medicare expert who will explain the fine print, help you compare plans, and make sure you’re not leaving money or benefits on the table.

💡 Bonus Tip: Your Health Conditions Matter—A Lot

If you live with conditions like hypothyroidism, Hashimoto’s, or other chronic health issues, it’s critical to choose a Medicare plan that covers the specialists, medications, and lab work you need without surprise costs.

👉 That’s why I created TheHypothyroidismChick.com—to give real people real answers about health, hormones, and Medicare. I share insights, checklists, and support that can help you make smarter healthcare decisions every year.

📬 Stay Informed — Stay Empowered

Avoiding these five Medicare mistakes can make all the difference in how confident and covered you feel. If you’re looking for help with Medicare enrollment, understanding plan changes, or simply want to feel seen in a healthcare world that often overlooks people with complex needs—I’ve got your back.

Visit TheHypothyroidismChick.com for:

  • Personalized Medicare support
  • Wellness tips for women 50+
  • Help navigating chronic health issues
  • Free resources & updates

👩‍💼 About the Author:

Audrey Childers is a licensed insurance agent, wellness advocate, and the voice behind TheHypothyroidismChick.com. After facing her own battles with hypothyroidism and navigating the complex world of healthcare and insurance, Audrey made it her mission to empower others with the knowledge they need to make informed decisions—especially when it comes to Medicare, thyroid health, and chronic wellness issues.

With a warm, down-to-earth style, Audrey blends professional insight with personal experience to help others take control of their health and their future. She is passionate about supporting women 50+, simplifying Medicare, and sharing holistic wellness resources that actually work.

💌 Stay Connected & Informed

Want free email newsletters packed with vital Medicare updates, thyroid health tips, and real-life wellness advice you can trust?

Join my blog list at TheHypothyroidismChick.com to get:
✔️ Easy-to-understand Medicare guidance
✔️ Updates on enrollment deadlines & plan changes
✔️ Wellness hacks for women 50+
✔️ Free resources, printables, and cheat sheets
✔️ Personal insights from someone who’s walked this road

✨ It’s free to join, and I’ll only send you content that matters—no fluff, no spam, just support.

🔗 Subscribe now at TheHypothyroidismChick.com

🖥️ Learn more and get support at: www.TheHypothyroidismChick.com
📬 For questions, collaborations, or speaking inquiries, contact Audrey through the site.

📜 Disclaimer:

The information provided in this blog is for educational and informational purposes only. It is not intended as legal, financial, or medical advice and should not be relied upon as such. Medicare rules and policies are subject to change, and plan availability varies by location. Please consult with a licensed insurance agent or the official Medicare website (Medicare.gov) before making decisions about your healthcare coverage.

Audrey Childers is a licensed insurance agent and wellness writer but is not affiliated with or endorsed by the U.S. government or Medicare.

🔥 The Art of the Rebuttal: 50 Ways to Win the Health Insurance Battle (PLUS 50 MORE!) 🔥

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💰 Master the Power of Persuasion, Close More Deals, and Build a Lucrative Career as an Ethical Insurance Agent! 💰

Let’s be real—selling health insurance isn’t for the faint of heart. Clients hit you with objections faster than a toddler saying “no” at bedtime. But what if you had the ultimate playbook to turn those objections into commission checks?

🎯 Introducing The Art of the Rebuttal: 50 Ways to Win the Health Insurance Battle (oh, and surprise—there are 100 in total, but who doesn’t love a bonus?) 🎯

What You’ll Get Inside This Power-Packed Guide:
✅ 50 (actually 100) battle-tested rebuttals to handle objections like a pro—because “I need to think about it” is just another way of saying, “Convince me!”
✅ Sales psychology hacks that break down how clients think, why they hesitate, and how to guide them toward “yes” (without sounding like a pushy used-car salesman).
✅ Advanced negotiation techniques so you can close deals ethically and effectively—no pressure, no gimmicks, just results.

Who Needs This Book?
💼 New agents who want a crash course in rebuttals and confidence-boosting strategies.
💰 Experienced pros looking for fresh, effective ways to increase their close rate.
🏢 Agency owners who want their team to stop fumbling objections and start sealing deals like pros.

This isn’t your generic, outdated sales book. This is a health insurance agent’s secret weapon—packed with real-world examples, industry-specific strategies, and insider knowledge that you won’t find anywhere else.

🚀 If you’re tired of hearing “I’ll get back to you” and ready to start dominating the insurance game, this book is your golden ticket.

📖 Get your copy today and start closing more deals—ethically, effectively, and with the confidence of a seasoned pro!

📜 DISCLAIMER 📜

The Art of the Rebuttal: 50 Ways to Win the Health Insurance Battle (Plus 50 More!) is designed as a professional resource for health insurance agents looking to improve their objection-handling skills, communication strategies, and ethical sales techniques.

This book does not guarantee specific sales results, commissions, or employment success. Sales outcomes depend on individual effort, experience, industry regulations, and client interactions. The strategies provided are meant to be guidelines, not rigid scripts, and should always be adapted to fit compliance regulations and ethical business practices within your agency or company.

Additionally, while every effort has been made to ensure the accuracy of the content, insurance laws, policies, and regulations may vary by state and are subject to change. Readers are encouraged to verify any legal or compliance-related information with their employer, state insurance department, or legal advisor before applying it in practice.

The author and publisher assume no responsibility for any business decisions, financial losses, or regulatory issues that may arise from the use of this book. Your success is in your hands—this book is just your secret weapon to make it happen! 🚀

Navigating Uncertainty as a Licensed Health Insurance Agent: Insights and Opportunities

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Navigating Uncertainty as a Licensed Health Insurance Agent: Insights and Opportunities
By Audrey Childers

As a licensed health insurance agent, I’ve dedicated my career to helping individuals and families navigate the complexities of health insurance. Whether it’s Medicare, Medicaid, or Affordable Care Act (ACA) plans, my mission is to provide clarity and support in an ever-changing landscape. However, recent changes to healthcare funding and policy have left many agents and clients wondering what lies ahead. Here’s what you need to know and how we can move forward together.

The Current Landscape: Medicare, Medicaid, and ACA

Healthcare in the U.S. is undergoing significant shifts:

  • Medicare and Medicaid Cuts: Proposed budget reductions could impact access to healthcare for low-income and rural populations. These cuts may also strain providers, leading to fewer options for care.
  • Affordable Care Act (ACA) Funding Changes: Federal decisions about ACA subsidies and Medicaid expansion could lead to increased premiums and out-of-pocket costs, making it harder for many to afford coverage.

These changes create uncertainty for both agents and clients, but they also present opportunities to explore alternative solutions and broaden our expertise.

How These Changes Affect Clients and Agents

  • For Clients: Rising healthcare costs and reduced funding for subsidies mean many may lose access to affordable coverage. Low-income families and individuals are at the highest risk of being left without options.
  • For Agents: As an ACA agent, my role becomes more challenging as I work to identify affordable solutions for my clients in a shrinking market. I remain committed to staying informed and offering personalized guidance.

How I’m Preparing for the Future

In light of these changes, I’ve taken proactive steps to ensure I can continue to serve my clients effectively while securing my own financial future:

  1. Expanding Expertise: To better serve clients, I’m pursuing certifications in additional areas of insurance, including:
    • Medicare Advantage and Supplement Plans: These provide stable demand and renewal commissions.
    • Life and Final Expense Insurance: High demand and cross-selling opportunities make these excellent additions to my portfolio.
  2. Staying Updated: I keep a close eye on federal and state healthcare policy changes to ensure I provide the most current advice and options.
  3. Building Relationships: Strong client relationships are the backbone of my business. I focus on retention and renewals to maximize benefits for both clients and my practice.

Why Diversification Matters

For agents, relying solely on ACA enrollments is no longer sustainable. Diversifying into other insurance areas not only stabilizes income but also allows us to offer comprehensive solutions for our clients’ needs. Here are the areas I recommend for fellow agents looking to expand:

  • Medicare Plans: With an aging population, this market is growing and offers predictable work schedules.
  • Life Insurance: High commissions and flexible hours make this a great choice for agents balancing work and family life.
  • Property and Casualty Insurance: While more demanding during peak times, this field offers steady income opportunities.

How I Can Help You

Whether you’re looking for an ACA plan, Medicare coverage, or exploring other insurance options, I’m here to guide you through the process. My goal is to ensure you understand your choices and find a plan that meets your needs and budget.

📞 Contact me today at 888-835-8730 ext. 34113 for personalized assistance. Together, we’ll navigate these challenges and find solutions that work for you and your family.

A Message to My Fellow Agents

If you’re an agent feeling the pressure of these uncertain times, remember that adaptation is key. Pursuing additional certifications and diversifying your portfolio can open doors to new opportunities and a more stable future. Let’s continue to support our clients and each other as we navigate the evolving world of health insurance.

Looking Ahead

The healthcare industry is changing, but with change comes opportunity. By staying informed, adapting to new challenges, and focusing on what truly matters—helping our clients—we can thrive in this industry.

Let’s connect and make a difference together!
📞 Contact: 888-835-8730 ext. 34113

Thank you for trusting me to guide you through your healthcare journey. Together, we’ll create a brighter, healthier future.

Disclaimer

The information provided in this blog is for general informational purposes only and is based on the personal and professional opinions of Audrey Childers, a licensed health insurance agent. While every effort has been made to ensure the accuracy and reliability of the information presented, it is not intended as legal, financial, or professional advice.

Health insurance policies, regulations, and guidelines are subject to change and vary by state and federal law. Readers are encouraged to consult with a qualified insurance professional or healthcare provider for advice tailored to their specific situation.

Audrey Childers and associated parties are not responsible for any actions taken based on the information in this blog. All inquiries regarding insurance policies or personal healthcare should be directed to the appropriate licensed professionals.

For personalized guidance or questions, please contact Audrey Childers directly at 888-835-8730 ext. 34113.

Progressive Thinking: Why You Need Me on Your Team

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Dear Allstate Hiring Team,

They say you’re in good hands with Allstate—but have you considered being in great hands? Because that’s what you’re getting with me. As someone transitioning from health insurance into P&C and adjusting, I’m eager to join a team that values passion, determination, and a touch of humor (which, let’s be honest, we all need in insurance).

1. What I Bring to the Table

  • Customer Care: In health insurance, I mastered the art of making clients feel heard and supported.
  • Attention to Detail: Whether processing claims or ensuring policies meet client needs, I don’t miss a thing.
  • Problem-Solving: I’ve tackled complex cases, and I’m not afraid to roll up my sleeves and dive into challenges.

2. Why Allstate is My Dream Team

Allstate has a reputation for excellence, innovation, and putting customers first—values that resonate with me deeply. I want to be part of a company that believes in protecting what matters most to people. Plus, let’s be real: you’re kind of a big deal in the insurance world, and I’d be thrilled to learn from the best.

3. A Little About Me

When I’m not studying for my P&C license or dreaming about adjusting claims like a pro, I’m writing. That’s right—I’m a published author with over 200 books under my belt. Writing has taught me discipline, creativity, and the importance of clear communication—all skills that translate beautifully into the insurance industry.

4. A Final Pitch (with a Dash of Fun)

I’m ready to jump into the world of P&C with the same enthusiasm a dog has for a car ride. I’m here to learn, grow, and contribute to your team in a way that makes your clients feel even more secure in their good hands.

So, what do you say, Allstate? Let’s make insurance not just a necessity but an experience clients will actually appreciate.

Warm regards,
Audrey Childers
Future Claims Hero

“Progressive Thinking: Why You Need Me on Your Team”

Dear Progressive Hiring Team,

Let’s cut to the chase: You’re known for being innovative, forward-thinking, and customer-focused—and I want in. I’m a driven professional transitioning from health insurance into P&C and adjusting, and I’m ready to bring my skills, humor, and dedication to Progressive’s team.

1. Why I’m a Perfect Fit

  • I Get Customers: Years in health insurance taught me how to make clients feel valued, even in stressful situations.
  • I Love Learning: I’m currently studying for my P&C license and can’t wait to hit the ground running.
  • I’m Creative: Whether solving problems or crafting solutions, I know how to think outside the box.

2. Why I’m Excited About Progressive

Progressive is more than just an insurance company—it’s a brand people trust. Your focus on innovation and customer satisfaction aligns perfectly with my own values. Plus, I’ll be honest: I’ve been quoting your commercials since forever. (Who doesn’t love Flo?)

3. A Final Pitch (with a Smile)

Think of me as a “bundle deal.” I bring experience, dedication, and a personality that clients and coworkers will appreciate. Plus, I’ve got the drive to learn and grow in ways that will make Progressive even more, well, progressive.

Let’s chat soon—I’d love to prove why I’m the perfect addition to your team.

Warm regards,
Audrey Childers
Future Adjuster Extraordinaire

Call to Action for Each Blog

If you’re hiring and want someone who’s passionate, trainable, and ready to make a difference, let’s connect. You can reach me at [your email] or through LinkedIn. Let’s build something amazing together!

Insurance 101: What They Don’t Want You to Know and How to Protect Yourself

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Owning a home is the cornerstone of the American dream, but let’s face it—it comes with its fair share of headaches. When things go wrong, we expect our insurance companies to step in and help. Unfortunately, the reality is far from the glossy promises in their advertisements. This blog shares hard-learned lessons about the insurance industry, tips for protecting yourself, and how to avoid the common pitfalls that can cost you time, money, and peace of mind. Buckle up, buttercup—this might just save you from a nightmare.

1. Insurance Companies Aren’t Your Friends

Let’s get one thing straight: insurance companies exist to make money, not to save you money. They collect premiums and hope you never file a claim. If you do, they’ll find ways to pay you as little as possible. Here’s what I’ve learned:

  • Know Your Deductible:
    • Many homeowners don’t realize their deductible can be staggeringly high. For example, after a storm damaged my roof, I found out my deductible was $10,000—on a $15,000 claim. The insurance rep even said, “I’ve never seen a deductible this high.” Don’t be me. Know your deductible.
  • ACV vs. RCV Policies:
    • ACV (Actual Cash Value): Pays the depreciated value of your damaged property. Translation? You get less money.
    • RCV (Replacement Cost Value): Covers what it would cost to replace your property at today’s prices. Pro tip: Always ask if your policy is ACV or RCV before signing.

2. Document Everything Like a Detective

Insurance companies require proof of your belongings and their value. Without it, you’ll be stuck fighting for every dime.

  • Take Photos and Videos:
    • Photograph every room, closet, drawer, and cabinet in your house. Capture your garage, jewelry, electronics, and appliances.
  • Keep Receipts:
    • Save receipts for major purchases in a fireproof safe or digitally. You’ll need them to prove ownership and value.
  • Create an Inventory List:
    • Include brand names, purchase dates, and estimated values. When filing a claim, you’ll have to provide this information, so do it now to save yourself years of headaches later.

3. The Contractor Is Your Secret Weapon

When disaster strikes, having a trustworthy contractor can make all the difference.

  • Why You Need a Good Contractor:
    • They know how to read insurance paperwork and can identify missing components or unfair pricing. They’re your advocate in making sure the insurance company gives you a fair deal.
  • Let Them See the Paperwork:
    • Don’t make the process harder by withholding information. A skilled contractor will fight for you, but only if you let them.
  • Beware of Scammers:
    • Always vet your contractor to ensure they’re reputable and experienced in dealing with insurance claims.

4. Hard Truths About Homeownership

Owning a home isn’t just about paying the mortgage—it’s an ongoing battle against wear and tear.

  • Everything Breaks:
    • From roofs to water heaters, something will always need fixing. If you’re not financially prepared or don’t have a handy spouse (shoutout to my Gen X husband), you’ll be in for some heartbreak.
  • Cost of Maintenance:
    • Regular upkeep is expensive. If you can’t afford it, owning a home might not be the right move for you.

5. TikTok and DIY Culture: Knowledge is Power

Social media, especially TikTok, has become an invaluable resource for learning life skills. Whether it’s home repairs, financial tips, or insurance hacks, the platform connects people in ways traditional education often overlooks. Banning TikTok benefits no one except those who profit from keeping you uninformed.

Conclusion: Protect Yourself

Insurance isn’t a safety net; it’s a business. To protect yourself, know your policy, document everything, and have a trusted contractor in your corner. By staying informed, you can avoid the pitfalls that so many homeowners face. It’s not about trusting the system—it’s about outsmarting it.

Disclaimer

This blog is based on personal experiences, research, and insights into the insurance industry. While the information provided is intended to be helpful, it should not replace professional advice. The views expressed are personal opinions and should be interpreted accordingly.

About the Author

Audrey Childers, writing as A.L. Childers, is an author and researcher dedicated to empowering others with practical knowledge and life lessons. With over 200 books published, Audrey covers topics ranging from self-help to societal critique, always with a focus on helping her readers navigate the complexities of modern life.

Some of her notable works include:

  • The Affordable Care Act Agent: Your Guide to Accessing Affordable Healthcare
  • Hashimoto’s Crockpot Recipes: How I Put My Hashimoto’s Into Remission
  • Archons: Unveiling the Parasitic Entities Shaping Human Thoughts

Explore more of her insights and resources at her blog, TheHypothyroidismChick.com, and find her books on Amazon.

Links to Audrey’s Books

  1. The Affordable Care Act Agent
  2. Archons: Unveiling the Parasitic Entities
  3. Hashimoto’s Crockpot Recipes

References

  1. Insurance Journal, “Understanding ACV vs. RCV Policies,” 2023.
  2. Consumer Reports, “Home Insurance Tips for Policyholders,” 2022.
  3. Sacramento Bee, “California’s Smog Regulations: When Bureaucracy Fails,” 2023.
  4. FEMA, “Disaster Preparedness: Lessons from Past Crises,” 2020.

Let me know if you’d like additional sections or further refinements!

What Do You Mean You Already Renewed Your Health Insurance?! Let’s Talk Before It’s Too Late!

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Hey, Pick Up the Damn Phone!

Look, I get it. You’re tired of the calls, the emails, the texts. “Is this spam?” you wonder as your phone rings for the third time today. But I’m here to tell you—I am NOT spam. I am your health insurance agent. The one you trusted last year. Remember? The one who knows your security code, your Social Security number (because YOU gave it to me), and who works tirelessly to make sure you don’t end up in a shitty plan.

So, let me ask you this: Why the hell are you ignoring my calls?

The Truth About Renewing Health Insurance

Here’s the deal. Health insurance isn’t like renewing your Netflix subscription. Things change—plans change, carriers pull out of counties, and sometimes that auto-renewed plan you thought was “fine” last year suddenly costs a premium or doesn’t cover squat anymore.

And guess what? That’s not my fault. That’s the carrier’s fault.

I’m just the messenger here. My job is to review your plan, ensure it still works for you, and—if it doesn’t—find you something better. But I can’t do that if you don’t answer my calls!

“I Don’t Remember Talking to Anyone” – Really?!

Let’s address the elephant in the room: Why do you act like you have amnesia every time I call?

  • “I don’t remember speaking with anyone.” Oh, really? Then how do I have your Social Security number, date of birth, and address? Did I just psychically pull that out of thin air?
  • “I already renewed my plan.” Great. With who? And did they bother to check if your carrier left the county? Did they tell you the premium went up? No? That’s what I thought.

I know there are scammers out there—I hate them as much as you do. That’s why I gave you my security code, my direct number, and my name (Audrey). I work hard to keep my license and complete continuing education credits every two years. I’m legit, and I’m here to help YOU.

Why Health Insurance Deserves Your Attention

Let’s be honest—you wouldn’t let your car insurance lapse or your home insurance go unchecked. So why treat your health insurance like an afterthought?

  • Health insurance is your safety net. It’s not just paperwork; it’s what protects you and your family when life throws you a curveball.
  • Time is running out. January 15th is the final deadline for ACA (Affordable Care Act) Marketplace enrollments. After that, you’re stuck with whatever plan you’ve got—or worse, no plan at all.

Real-Life Horror Stories: Don’t Let This Be You

  1. The “I Already Renewed” Guy
    John was convinced he’d renewed his plan with another agency. Turns out, they placed him in a high-cost plan with a $10,000 deductible. When he got his first bill, he called me in a panic. But by then, it was too late.
  2. The “I Thought My Plan Was the Same” Lady
    Linda ignored my calls because she thought her auto-renewed plan was fine. Surprise! Her carrier had pulled out of her county, and she was left with zero coverage starting January 1st. She spent months paying out-of-pocket for everything.

Why You Should Call Me Right Now

If you have Marketplace insurance (ACA), stop playing hard to get and call me at 888-835-8730. Let’s review your plan together to ensure:

  1. You’re not overpaying.
  2. You’re not under-covered.
  3. You’re in the BEST plan for you and your family.
  4. ASK FOR ME…… AUDREY CHILDERS only….. I will call you back. I promise.

I know the phone calls are annoying. I get 100 spam calls a day, too. But this isn’t about spam—this is about your health and your wallet.

Final Words: Stop Being a Dumbass

Look, I don’t like seeing anyone get screwed. But if you don’t answer your phone or call me back, there’s only so much I can do. When you get that bill or realize your plan sucks, you’re going to ask, “Why didn’t anyone warn me?” Well, guess what? I tried!

So, here’s the game plan:

  • Stop ghosting me.
  • Stop treating health insurance like it’s a second-rate priority.
  • Start acting like the grown-up I know you are and let me help you.

Time is running out. January 15th is right around the corner. Call me—Audrey—at 888-835-8730. Let’s get this done so you can start 2025 with peace of mind and no regrets.

Thank you. Now, go be an adult and answer your damn phone. 😊

The Health Insurance Agent’s Survival Guide: Navigating the Annual Purge

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Every year, after the Open Enrollment Period (OEP) concludes, health insurance agents face a stark reality that many don’t anticipate when entering the industry—the annual “agent purge.” For many newcomers, health insurance seems like a lucrative, stable career. Agents imagine helping families find affordable care while earning a steady commission. What they don’t realize is that the health insurance industry operates much like any other big business: profit-driven and ruthless.

While agents also aim to make a living, the annual purge is a sobering reminder that health insurance companies prioritize their bottom line above all else. Here’s a closer look at this harsh cycle, along with a short story to illustrate its reality.

The Purge Explained

Every year, health insurance companies recruit thousands of agents before OEP to meet the demand for coverage. Agents work tirelessly during this period, often juggling high-pressure calls, endless paperwork, and unrealistic quotas. Once OEP ends, however, the landscape shifts dramatically.

Examples of the Purge:

  1. Contracts and Commissions Vanish: After OEP, many agents find their contracts terminated or commissions slashed. They’ve done the heavy lifting, but their services are suddenly deemed expendable.
  2. Support Disappears: Companies that once provided extensive resources and training during OEP often withdraw post-enrollment, leaving agents to fend for themselves.
  3. Competition Intensifies: Remaining agents face dwindling leads and fierce competition for the few prospects left outside the enrollment window.

A Short Story: The Purge in Action

Sophia was ecstatic when she landed her first job as a health insurance agent. She envisioned herself helping families navigate the confusing world of health coverage. Her company rolled out the red carpet during training, promising endless opportunities and generous commissions.

When OEP began, Sophia dove in headfirst. She worked 12-hour days, fielding calls from frantic parents, retirees, and individuals desperate for affordable coverage. By the end of OEP, she had enrolled over 100 clients and felt immense pride in her work.

But then came February.

Sophia’s inbox filled with impersonal emails from her company, notifying her of “new changes to commission structures.” Her support team, once available 24/7, now took days to respond. Worst of all, the leads she had worked so hard to nurture were reassigned to other agents without explanation. Her earnings dwindled to a fraction of what she expected, and her contract was quietly terminated in March.

Feeling betrayed, Sophia reached out to a mentor who had been in the industry for years. The mentor explained the unspoken rule: “This happens every year. Companies only care about the OEP numbers. The rest of us? We’re disposable.”

How to Survive the Purge

For agents like Sophia, the key to survival lies in preparation and adaptability. Here are some tips to thrive in a cutthroat industry:

  1. Diversify Your Portfolio: Don’t rely solely on one carrier or product. Explore supplemental insurance or year-round plans that keep you active beyond OEP.
  2. Build Long-Term Relationships: Clients who trust you will come back year after year. Focus on service, not just sales.
  3. Have a Post-OEP Plan: Develop strategies to sustain your business after the enrollment rush, such as networking, marketing, and leveraging referrals.
  4. Stay Educated: The industry is constantly changing. Staying informed about policies and trends will keep you ahead of the competition.

The health insurance industry isn’t for the faint of heart. But for those who learn to navigate its challenges, there are rewards. By understanding the annual purge and preparing accordingly, agents can build a resilient career that withstands the industry’s ups and downs.

As Sophia learned, survival isn’t just about sales—it’s about strategy, persistence, and never underestimating the value of your own hard work.

Coverage Kings, Compensation Paupers: The Wage Woes of Insurance Agents By A.L. Childers, ACA Health Insurance Writer and World-Renowned Author

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Insurance agents are often the unsung heroes of the healthcare system. We help families secure vital coverage, navigate labyrinthine regulations, and ensure compliance with federal laws. Without us, the Affordable Care Act (ACA) would be a tangle of red tape inaccessible to most. But while we are the “Coverage Kings” helping others achieve financial protection and peace of mind, our paychecks tell a very different story.

Yes, I’m a world-renowned author—but fame doesn’t always pay the bills. That’s why I became an ACA health insurance agent. I believed I could make a difference while earning a steady income. Instead, I’ve discovered a shocking truth: while companies rake in billions from ACA policies, their agents are left struggling to make ends meet.

The Duality of the Insurance Agent’s Role

Being an ACA agent isn’t just about selling policies. It’s about being a teacher, a guide, and often a therapist to people in need. We answer endless questions, calm anxieties, and tailor plans to suit every budget. Yet, when it comes to compensation, we are treated like afterthoughts.

A Sobering Reality Check

  • Companies earn thousands of dollars per policy over its lifespan, thanks to subsidies and premiums.
  • Agents, by contrast, are paid $10–$20 per policy written or an hourly wage of $15–$20, barely above minimum wage in many areas.
  • Some agents, like me, are required to pay $50 per week out of pocket for multi-state licenses—a necessity for selling plans in multiple states.

For example, I recently worked a 40-hour week, helping countless clients secure life-changing coverage, only to earn $600 before taxes. That’s $15/hour while the company profits exponentially from my work.

The Hidden Costs of the Job

The challenges of being an ACA agent extend far beyond low wages.

  1. Licensing Fees
    To legally sell policies, agents must be licensed in every state where their company operates. These fees aren’t covered by the company, leaving agents to shoulder the cost.
  2. Continuing Education
    Staying compliant with federal and state regulations requires ongoing education, which agents must pay for themselves.
  3. Unpaid Training
    Many companies require agents to complete additional certifications and tests on their own time. Recently, I was threatened with a write-up for not completing a 3-hour training module after work hours.
  4. Legal Liability
    Agents face potential lawsuits or fines if clients dispute their enrollment or claim they were misinformed. Without recorded calls, we would have no protection.

The Clients We Serve (and Sometimes Fight)

Helping clients can be incredibly rewarding, but it also comes with its frustrations. Imagine spending an hour helping someone choose the perfect zero-dollar premium plan, ensuring compliance, and answering every question, only for them to later claim they never spoke to you.

How does this happen? It doesn’t. Clients don’t forget these conversations—they lie to dodge penalties or shift blame. While recorded calls help defend agents, the stress and time wasted on these disputes are a heavy burden.

Corporate Greed at Its Finest

The healthcare industry is one of the most profitable sectors in the U.S. In 2022, the top health insurance companies collectively reported over $45 billion in profits.

Where does this money go? Not to the agents doing the heavy lifting. Instead, it goes to shareholders, executives, and marketing campaigns. Meanwhile, agents are left struggling to cover their basic expenses.

What Needs to Change

The disparity between what agents earn and the value they bring to the system is unacceptable. Here’s how we can start to fix it:

  1. Fair Compensation
    Agents should earn at least $50 per policy written, reflecting the time, expertise, and effort required.
  2. Employer-Funded Licensing and Training
    If companies require multi-state licenses and certifications, they should cover these costs.
  3. Transparent Profit Sharing
    Companies should be upfront about their profits and allocate a fair share to the agents who make their success possible.
  4. Legal and Compliance Protections
    Employers must provide robust protections for agents against frivolous client disputes and potential legal action.

A Personal Plea

As both a writer and an ACA agent, I’ve seen the best and worst of human nature. I’ve helped families avoid financial ruin, and I’ve fought to defend myself against baseless accusations. What keeps me going is the belief that what I do matters—that helping others is worth the struggle.

But the struggle shouldn’t be this hard. Companies that profit from our work need to recognize our value. We are not just cogs in their machine; we are the heart of their success.

References

  1. “The Affordable Care Act and Its Economic Impact on Agents” (Journal of Health Policy, 2023)
  2. Bureau of Labor Statistics: Insurance Agent Wages Overview (BLS.gov)
  3. Corporate Profits in the Health Insurance Industry (Health Economics Today, 2022)

Final Thoughts

The Affordable Care Act was built on principles of equity and access. It’s time for those principles to extend to the agents who make it all possible. We deserve fair pay, respect, and recognition for the essential work we do.

To my fellow agents: you are not alone in this fight. To the companies profiting from our labor: it’s time to share the wealth. Because at the end of the day, no one should have to choose between making a living and making a difference.

Disclaimer

The information and recipes in the blog are based on the author’s research and personal experiences. It’s for entertainment purpIt’s only. Every attempt has been made to provide accurate, up-to-date, and reliable information. No warranties of any kind are expressed or implied. Readers acknowledge that the author does not render legal, financial, medical, or professional advice. By reading this blog, the reader agrees that under no circumstance the author is not responsible for any direct or indirect loss incurred by using the information contained within this blog. Including but not limited to errors, omissions, or inaccuracies. This blog is not intended to replace what your healthcare provider has suggested.  The author is not responsible for any adverse effects or consequences from using any of the suggestions, preparations, or procedures discussed in this blog. All matters about your health should be supervised by a healthcare professional. I am not a doctor or a medical professional. This blog is designed as an educational and entertainment tool only. Please always check with your health practitioner before taking any vitamins, supplements, or herbs, as they may have side effects, especially when combined with medications, alcohol, or other vitamins or supplements.  Knowledge is power, educate yourself and find the answer to your healthcare needs. Wisdom is a beautiful thing to seek.  I hope this blog will teach and encourage you to take leaps in your life to educate yourself for a happier & healthier life. You have to take ownership of your health.

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