Insurance

12-yo Leap Year Quadruplets Celebrate ‘Third Birthday’–Brothers Are All Unique But 3 Are Triplets By Andy Corbley -Mar 1, 2024

12-yo Leap Year Quadruplets Celebrate ‘Third Birthday’

Posted on by Shield Insurance Agency

GoodNewsNetwork | By Andy Corbley | March 1, 2024 | Leap Year | Shield Insurance

12-yo Leap Year Quadruplets Celebrate ‘Third Birthday’–Brothers Are All Unique But 3 Are Triplets

Britain’s only leap year quadruplets are celebrating their ‘third’ birthday this week—12 years after birth.

Reuben, Samuel, Zachary, and Joshua Robbins were all born within six minutes of each other on February 29th, 2012.

They celebrate their birthdays on March 1 each year, but every four years they get to mark the real day, being that it disappears from the calendar for three.

Their sire Martin Robbins has a real handful this time around, as each child wants to do something different to celebrate the real day.

“One wants to go bowling, another go-karting, one wants to do archery, so we’ve got to come to a happy decision!” he said.

Martin has been speaking to the media about their very unusual litter, and if readers were ever curious about what it’s like having quadruplets, the interview is a great opportunity to hear first hand.

Mother Emma Robbins gave birth to the boys via emergency Caesarean section, with Reuben being delivered first, followed by the second, Zachary. Zachary’s identical twin Joshua was the heaviest, and Samuel, who doesn’t look the same as the other three, was delivered last; with dark hair no less.

The quads have an older brother too, 14-year-old Luke, whom the quads “love very much”.

They often shadow him around because they look up to him, Martin said.

Three of the quadruplets are genetically identical—Reuben, Zachery, and Joshua, and while Samuel is not identical to his brothers he looks like his older brother Luke, and his mom.

“Sam is like the ring leader, who socially and mentally seems to be the boss of the four,” said their father. “The other three are all one and the same! Just like me, they are fair-haired and Sam has dark hair.”

“All the boys are quite different in themselves and as they’ve gotten older, they have become more engaged in other interests. They are all individual in their own rights, sometimes people want to put them in a basket and I’ve never understood that.”

“Josh is very sporty, he loves football and basketball. Zach and Reuben are very musical,  they like to sing and dance and play keyboard. Reuben and Zach are very artsy and creative. Sam is the technical one; he has a curious mind and is always asking questions,” Mr. Robbins elaborates, adding that at their new school in Bristol, the four enjoy the collective nickname ‘copy-paste’.

“It’s the most important time for them, and is important for their social development so they can come into their own individuality,” he added. “It helps them make new and solid friends and have something to talk about when they come home”.

Read More
Insider Tips: Navigating Health Insurance for Your Small Business Employees

Insider Tips: Navigating Health Insurance for Your Small Business Employees

Posted on by Shield Insurance Agency

Shield Insurance Blog | Health Insurance | Business Insurance | Contact a Shield Agent Today!

As a small business owner, one of your top priorities is ensuring the well-being of your employees. Providing health insurance coverage is not only a valuable benefit for your staff but also a crucial factor in attracting and retaining top talent. However, navigating the complex world of health insurance can be overwhelming, especially if you’re unfamiliar with the process. In this blog post, we will walk you through the step-by-step process of seeking health insurance for your employees, making it easier for you to make informed decisions and find the best coverage options for your small business.

Step 1: Contact Shield Insurance Agency for a free quote

To kickstart the health insurance-seeking process, reach out to Shield Insurance Agency for a free quote. Their team of experienced agents will guide you through the process, answering any questions you may have and providing you with a comprehensive understanding of the available options. You can contact Shield Insurance Agency at (616) 896-4600 or start the quoting process by visiting this LINK. An agent will be in touch soon to assist you further.

Step 1: Assess your business needs and budget

Before diving into the health insurance-seeking process, it’s essential to assess your business needs and budget. Consider factors such as the number of employees you have, their age demographics, and any specific healthcare requirements they may have. Additionally, evaluate your financial capabilities and determine how much you can allocate towards employee health insurance. This initial assessment will help you narrow down your options and make informed decisions moving forward.

Step 2: Research health insurance providers

Once you have a clear understanding of your business needs and budget, it’s time to research health insurance providers. Look for insurance companies that specialize in providing coverage for small businesses. Shield Insurance Agency, for example, represents over 45 insurance companies and offers tailored solutions for businesses of all sizes. Their expertise in the field can help you find the best coverage options for your employees.

Step 4: Compare coverage options

Once you receive quotes from Shield Insurance Agency or other providers, it’s time to compare the coverage options. Look for plans that align with your business needs and budget. Consider factors such as deductibles, co-pays, and out-of-pocket maximums. Additionally, evaluate the network of healthcare providers included in each plan to ensure your employees have access to quality healthcare services.

Step 5: Consult with your employees

While you have the final say in selecting the health insurance plan for your small business, it’s crucial to involve your employees in the decision-making process. Conduct a meeting or survey to gather their input and understand their healthcare needs. This collaborative approach will not only make your employees feel valued but also ensure that the chosen plan meets their expectations.

Step 6: Enroll in a health insurance plan

Once you have selected the most suitable health insurance plan for your small business, it’s time to enroll. Shield Insurance Agency or your chosen provider will guide you through the enrollment process, ensuring that all necessary paperwork is completed accurately and on time. Make sure to communicate the enrollment deadlines to your employees and provide them with the required information to complete their enrollment forms.

Step 7: Communicate the benefits to your employees

After enrolling in a health insurance plan, it’s essential to communicate the benefits to your employees effectively. Organize a meeting or send out a detailed email explaining the coverage details, including deductibles, co-pays, and any additional perks offered by the plan. Encourage your employees to ask questions and address any concerns they may have. Clear communication will help your employees understand their coverage and make the most of their health insurance benefits.

Step 8: Review and update health insurance annually

Health insurance needs can change over time, so it’s crucial to review and update your coverage annually. Stay in touch with Shield Insurance Agency or your chosen provider to assess any changes in your business needs or available coverage options. Conduct an annual review to ensure that your health insurance plan continues to meet the needs of your employees and your budget.

In conclusion, seeking health insurance for the employees of your small business can be a daunting task. However, by following this step-by-step process, you can navigate the complexities with ease. Remember to assess your business needs and budget, research health insurance providers, compare coverage options, consult with your employees, enroll in a plan, communicate the benefits, and review and update annually. Shield Insurance Agency is here to assist you throughout the process, so don’t hesitate to contact them at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK. Your employees’ health and well-being are worth the investment.

More Blogs by Shield Insurance Agency

Read More
Insuring a Vacant Building: Everything you need to know!

Insuring a Vacant Building: Everything you need to know!

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Vacant Building | Business Insurance

Owning a vacant building comes with its own set of challenges and risks. Whether you have recently acquired an empty property or are planning to leave your current building unoccupied for an extended period, it is crucial to understand the importance of insuring vacant buildings. In this blog post, we will explore the various insurance options available for vacant properties, discuss the risks associated with leaving a building unoccupied, and provide valuable tips on how to protect your investment. Read on to learn more about securing insurance for vacant buildings and ensuring property safety.

The Importance of Building Insurance:

Building insurance is a vital aspect of property ownership, regardless of whether the building is occupied or vacant. It provides financial protection against unforeseen events such as fire, theft, vandalism, and natural disasters. While most standard insurance policies cover occupied buildings, insuring vacant properties requires specialized coverage due to the increased risks associated with unoccupied structures.

Understanding Insurance Options for Vacant Buildings:

When it comes to insuring empty buildings, property owners have several options to consider. These include:

a) Vacant Buildings Insurance:

Vacant insurance is specifically designed to provide coverage for unoccupied properties. This type of insurance typically includes protection against property damage, liability claims, and loss of rental income. It is essential to work with an experienced insurance agency that understands the unique risks associated with empty buildings to ensure adequate coverage.

b) Vacant Property Insurance:

Vacant property insurance is another option for property owners looking to protect their unoccupied buildings. This type of coverage offers similar protection as vacant building insurance, including property damage and liability claims. However, it may not include coverage for loss of rental income.

Risks Associated with a Vacant Building:

Leaving a building unoccupied poses various risks that property owners must be aware of. These risks include:

a) Vandalism and Theft:

Empty buildings are often targets for vandalism and theft. Without proper security measures in place, such as surveillance systems and alarm systems, the risk of property damage and stolen assets increases significantly.

b) Vacant Building Fire and Water Damage:

Without regular maintenance and monitoring, unoccupied buildings are more susceptible to fire and water damage. A small leak or electrical malfunction can quickly escalate into a major disaster if left unattended.

c) Liability Claims:

Unoccupied buildings can attract trespassers, increasing the likelihood of accidents and injuries. Property owners may be held liable for any harm caused on their premises, making liability coverage crucial.

Tips for Protecting Vacant Buildings:

To minimize the risks associated with vacant buildings, consider implementing the following safety measures:

a) Regular Inspections of vacant buildings:

Schedule regular inspections to identify any potential issues promptly. This includes checking for signs of vandalism, water leaks, and structural damage.

b) Secure the Vacant Building:

Install security systems, including surveillance cameras, alarms, and motion sensors, to deter trespassers and protect your property from theft and vandalism.

c) Maintain Adequate Lighting for a vacant building:

Well-lit properties are less likely to attract unwanted attention. Ensure that exterior lighting is in good working condition to discourage criminal activities.

d) Keep the Vacant Building Clean and Maintained:

Regularly maintain the property’s exterior, including landscaping and removing any debris. This helps create the appearance of an occupied building and reduces the risk of damage.

Shield Insurance Agency: Your Trusted Partner in Insuring Vacant Buildings:

When it comes to securing insurance for vacant buildings, it is crucial to work with a reputable insurance agency. Shield Insurance Agency represents over 45 insurance companies, offering a wide range of coverage options tailored to your specific needs. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK, and an agent will be in touch soon.

Insuring an empty building is a critical step in protecting your investment and ensuring property safety. By understanding the importance of building insurance and exploring the various insurance options available for vacant properties, you can mitigate the risks associated with leaving a building unoccupied. Remember to implement the recommended safety measures and work with a trusted insurance agency like Shield Insurance Agency to secure the right coverage for your vacant building.

More blogs by Shield Insurance Agency

Read More
Is Your Credit Score Sabotaging Your Insurance Rates? Find Out Now!

Is Your Credit Score Sabotaging Your Insurance Rates? Find Out Now!

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Credit Score | Contact Us

When it comes to insurance, many factors are taken into consideration to determine your premium. One of these factors is your credit score. Yes, you read that right! Your score can have a significant impact on your insurance rates. In this blog post, we will explore the relationship between your score and insurance premium, and how understanding this connection can help you make informed decisions about your insurance coverage.

Understanding the Credit Score’s Role in Insurance Premium:

Your credit score is a numerical representation of your creditworthiness. It reflects your financial history, including your payment history, outstanding debts, and credit utilization. Insurance companies use this information to assess the risk associated with insuring you. Studies have shown that individuals with lower credit scores are more likely to file insurance claims, leading to higher insurance costs for the company. As a result, insurance companies often charge higher premiums to individuals with lower scores.

Insurance Premium Impact on Credit Score:

While your credit affects your insurance premium, it’s important to note that your insurance premium can also impact your score. When you apply for insurance, the insurance company may perform a credit check, which can result in a hard inquiry on your credit report. Multiple hard inquiries within a short period can lower your score. However, this impact is usually minimal and temporary. It’s important to shop around for insurance and compare quotes to find the best coverage at the most affordable price.

Credit Score’s Influence on Insurance Premium:

The relationship between your credit score and insurance premium can vary depending on the insurance company and the state you live in. Some states have regulations that limit the use of scores in determining insurance rates. However, in states where scores are allowed to be considered, the impact can be significant. Individuals with excellent credit may enjoy lower insurance premiums, while those with poor credit may face higher rates.

Insurance Premium and Credit Score Relationship:

The relationship between your score and insurance premium is not always straightforward. Insurance companies use complex algorithms and statistical models to assess risk and determine premiums. While credit is an important factor, it is not the sole determinant of your insurance premium. Other factors such as your driving record, age, location, and type of coverage also play a role. However, maintaining a good score can help you secure better insurance rates and save money in the long run.

Insurance Costs and Creditworthiness:

Your creditworthiness, as reflected by your score, is an indicator of your financial responsibility. Insurance companies view individuals with higher credit scores as less risky and more likely to make timely premium payments. On the other hand, individuals with lower scores may be seen as higher risk and may be charged higher premiums to compensate for the potentially increased likelihood of filing claims. Improving your credit score can lead to lower insurance costs and potentially save you hundreds of dollars each year.

Your credit score plays a significant role in determining your insurance premium. Insurance companies use your credit score to assess your creditworthiness and determine the level of risk associated with insuring you. Maintaining a good credit score can help you secure better insurance rates and save money in the long run. If you’re looking for insurance coverage, it’s important to shop around and compare quotes from different insurance companies. Shield Insurance Agency represents over 45 insurance companies and can help you find the best coverage at the most affordable price. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK, and an agent will be in touch soon. Don’t let your credit score impact your insurance costs. Take control of your financial future and make informed decisions about your insurance coverage.

More blogs by Shield Insurance Agency

Read More
Various storage sites may have different security levels and exposure to risks such as theft, vandalism, or weather-induced damage.

What Type of Boat Insurance Do You Need If You’re Just Storing Your Boat?

Posted on by admin

Shield Insurance Blog | Boat Insurance | Contact an Agent Today! | Visit the Quoting Portal

Understanding Boat Insurance for Stored Boats in Michigan

Whether your boat is in off-season storage or not actively in use for extended periods, maintaining insurance coverage to guard your valuable asset against possible risks is critical. Shield Insurance Agency in Michigan acknowledges the importance of securing your boat—even when it’s docked. Below, we provide insight into boat insurance for stored boats.

The Importance of Storage Location

Your chosen boat storage location can influence the kind of insurance coverage you require. Whether you park it in a marina, storage facility, or your own garage, guaranteeing the right coverage is crucial. Various storage sites may have different security levels and exposure to risks such as theft, vandalism, or weather-induced damage.

Comprehensive Boat Insurance Coverage for Added Peace of Mind

Comprehensive boat insurance offers coverage for a wide assortment of risks, including theft, vandalism, fire, storms, and natural catastrophes. Even a stored boat remains vulnerable to damage from unexpected incidents. Comprehensive coverage ensures you’re financially secure against unforeseen events that may harm or destroy your boat.

The Need for Liability Protection

Liability coverage presents another critical component of boat insurance, irrespective of whether your boat is in storage or use. Liability protection covers costs connected to property damage or bodily injury for which you may be liable while operating your boat or if an individual is injured on your stored boat.

Contact Shield Insurance Agency

At Shield Insurance Agency, we’re dedicated to helping Michigan boat owners shelter their investments with thorough insurance coverage. Our seasoned agents will work closely with you to understand your needs, explore coverage options, and customize a policy offering peace of mind at sea or in storage. Reach out to us for your boat insurance consultation.

 

More Blogs by Shield Insurance Agency

Read More
Navigating the Challenges of the Insurance Hard Market: Strategies for Consumers

Navigating the Challenges of the Insurance Hard Market: Strategies for Consumers

Posted on by Shield Insurance Agency

Shield Insurance Blog | Insurance Hard Market | Contact Shield Insurance Advisor | Start A Quote

The insurance market is known for its cyclical nature, alternating between ‘hard’ and ‘soft’ market conditions. These fluctuations can significantly affect insurance premiums, coverage availability, and the overall relationship between insurers and policyholders. Currently, many consumers find themselves in the midst of a hard market, characterized by higher premiums, stricter underwriting standards, and limited coverage options. Understanding what drives these conditions and how to effectively navigate them is crucial for consumers looking to make informed decisions about their insurance needs.

What is the Insurance Hard Market?

The hard market is a phase of the insurance industry’s economic cycle marked by increased premiums, reduced capacity (or willingness) to underwrite certain types of risks, and more stringent policy terms and conditions. This phase typically occurs when insurers are looking to recover from losses, whether due to natural disasters, economic downturns, or other factors that have led to a depletion of their capital reserves.

During an insurance hard market:

  • Premiums Rise: Insurers raise rates to improve their financial health.
  • Coverage Narrows: Insurers become more selective about what and whom they insure.
  • Underwriting Tightens: The criteria for qualifying for insurance become more stringent.

Why Does the Hard Market Occur?

Several factors contribute to the onset of a hard market:

  • Significant Loss Events: Large-scale disasters or legal changes increasing insurer liabilities can deplete reserves.
  • Economic Factors: Economic downturns or lower investment returns can impact insurers’ profitability.
  • Regulatory Changes: New regulations may increase the cost of compliance or the reserves insurers must hold.
  • Market Dynamics: A reduction in competition or capacity can shift the market towards harder conditions.

How Can Consumers Fight the Hard Market?

While the hard market presents challenges, there are strategies consumers can adopt to mitigate its impact:

  1. Shop Around: More than ever, it’s important to compare quotes from multiple insurers. Prices and appetites for risk can vary significantly between companies.
  2. Bundle Policies: Consider bundling multiple policies (e.g., home and auto) with the same insurer. Bundles can often lead to discounts and better overall terms.
  3. Increase Deductibles: Opting for a higher deductible can lower your premium. However, ensure you can afford the higher out-of-pocket cost in the event of a claim.
  4. Improve Risk Profile: Take proactive measures to reduce your risk, such as installing security systems, maintaining properties, and adopting safer practices. Lower risk profiles can lead to lower premiums.
  5. Understand Your Coverage: Review your policies carefully to ensure you’re not over-insured or paying for unnecessary coverage. Tailor your coverage to your specific needs.
  6. Build a Relationship with Your Insurer: Long-term relationships can sometimes help in negotiating better terms. Demonstrating loyalty and a good claim history can be beneficial.
  7. Seek Professional Advice: An insurance broker or advisor can provide valuable insights and help navigate the hard market. They can assist in finding the best coverage options and negotiating terms on your behalf.

Conclusion

The insurance hard market poses significant challenges for consumers, but with informed strategies and proactive management of insurance needs, it is possible to mitigate its impact. By understanding the market dynamics, shopping around, improving risk profiles, and seeking professional advice, consumers can navigate these challenging times more effectively.

Recent Blog Articles

Read More
Is Your Building's ISO Rating Costing You More on Insurance?🏭 Find Out Now!

Is Your Building’s ISO Rating Costing You More on Insurance? Find Out Now!

Posted on by Shield Insurance Agency

Shield Insurance Blog | ISO Rating | Business Insurance | Contact our Bussiness Insurance Team

Building insurance is an essential aspect of property ownership. It provides protection against unforeseen events such as fire, theft, and natural disasters. However, many property owners are unaware of the factors that influence their building insurance costs. One crucial factor that can significantly impact insurance premiums is the ISO rating of the building.

What is an ISO rating?

ISO stands for Insurance Services Office, a company that evaluates and rates the fire protection capabilities of communities across the United States. It is a numerical score assigned to a building or community based on various factors such as fire department capabilities, water supply, and emergency communication systems. The rating ranges from 1 to 10, with 1 being the best and 10 being the worst.

How does the ISO rating affect insurance premiums?

Insurance companies use the rating as a measure of the risk associated with insuring a particular building or community. A lower ISO rating indicates a higher level of fire protection and safety measures in place, reducing the likelihood of a significant loss. As a result, buildings with lower ISO ratings are considered less risky to insure, leading to lower insurance premiums.

On the other hand, buildings with higher ratings are seen as having inadequate fire protection and safety measures. Insurance companies view these buildings as a higher risk, increasing the likelihood of a substantial loss. Consequently, buildings with higher ratings are charged higher insurance premiums to compensate for the increased risk.

The correlation between ISO rating and insurance premiums

The correlation between ISO rating and insurance premiums is evident. A study conducted by the Insurance Services Office found that buildings with an rating of 1 had an average insurance premium of $1,000 per year, while buildings with an rating of 10 had an average premium of $5,000 per year. This significant difference in premiums highlights the impact of the ISO rating on insurance costs.

The importance of building safety and security

Building safety and security measures play a crucial role in determining the ISO rating of a building. Insurance companies assess factors such as the presence of fire sprinkler systems, fire alarms, security cameras, and access control systems when assigning a rating. Buildings with robust safety and security measures are more likely to receive a lower ISO rating, resulting in lower insurance premiums.

Property valuation and risk assessment

Another factor that influences insurance premiums is property valuation and risk assessment. Insurance companies consider the value of the property and the potential risks associated with it when determining the premium. Buildings with higher property valuations or located in areas prone to natural disasters may face higher insurance premiums, regardless of their ISO rating.

The role of insurance coverage and claims history

Insurance coverage and claims history also impact insurance premiums. Buildings with comprehensive coverage and a history of minimal claims are viewed more favorably by insurance companies. On the other hand, buildings with limited coverage or a history of frequent claims may face higher premiums, even with a favorable ISO rating.

Choosing the right insurance agency

When it comes to building insurance, it is essential to choose the right insurance agency. Shield Insurance Agency represents over 45 insurance companies, offering a wide range of options to suit your specific needs. Their experienced agents can help you navigate the complexities of building insurance and find the best coverage at the most competitive rates.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK, and an agent will be in touch soon. With their expertise and access to multiple insurance companies, you can ensure that your building is adequately protected at the most affordable premiums.

In conclusion, the ISO rating of a building has a significant impact on insurance premiums. Buildings with lower ISO ratings benefit from lower premiums due to their higher level of fire protection and safety measures. On the other hand, buildings with higher ISO ratings face higher premiums as they are considered riskier to insure. It is crucial for property owners to prioritize building safety and security to obtain a favorable ISO rating and reduce insurance costs. By choosing the right insurance agency, such as Shield Insurance Agency, property owners can find the best coverage at the most competitive rates.

More Blogs by Shield Insurance Agency

Read More
Get Ahead with Proven Techniques for Insurance Claims on Partial Losses!

Get Ahead with Proven Techniques for Insurance Claims on Partial Losses!

Posted on by Shield Insurance Agency

Shield Insurance Blog | Insurance Claims | Contact Shield for Assistance with a Claim

Dealing with property damage can be a stressful and overwhelming experience. Whether it’s due to a natural disaster, a fire, or any other unforeseen event, the aftermath of property damage can leave you feeling lost and unsure of what steps to take next. This is where insurance claims come into play. Understanding how insurance claims are handled on a partial loss can help alleviate some of the stress and confusion that come with property damage.

Talk to the Insurance Claims Adjuster

When it comes to handling insurance claims, the first step is to contact your insurance company and inform them of the damage. They will assign a claim adjuster to assess the extent of the damage and determine the coverage limits of your insurance policy. The claim adjuster will also guide you through the claims process and provide you with the necessary documentation to support your claim.

Claim documentation is a crucial aspect of the claims process. It includes gathering evidence of the property damage, such as photographs, videos, and any other relevant documentation. This documentation will help support your claim and ensure that you receive the appropriate reimbursement for your loss. It’s important to be thorough and detailed when documenting the damage to ensure a smooth claims process.

Insurance Claims Damage Assessment

Once the claim documentation is complete, the next step is the damage assessment. The claim adjuster will evaluate the extent of the damage and determine the cost of repairs or replacement. This assessment will take into account factors such as the age and condition of the property, as well as any depreciation that may apply. The claim adjuster will then provide you with an estimate of the claim reimbursement based on the coverage limits of your insurance policy.

The claim settlement is the final step in the claims process. Once the damage assessment is complete and the claim reimbursement has been determined, the insurance company will issue a settlement check. This check will cover the cost of repairs or replacement, minus any applicable deductibles. It’s important to review the settlement offer carefully and ensure that it aligns with the damage assessment and your insurance coverage limits.

Handling insurance claims on a partial loss can be a complex process, but there are a few tips that can help streamline the process and ensure a successful outcome. First and foremost, it’s important to understand your insurance policy and its coverage limits. Knowing what is covered and what is not will help set realistic expectations and avoid any surprises during the claims process.

Another important tip is to be proactive and responsive throughout the claims process. This includes promptly reporting the damage to your insurance company, providing all necessary documentation, and promptly responding to any requests or inquiries from the claim adjuster. Being proactive and responsive will help expedite the claims process and ensure a timely resolution.

It’s also important to keep in mind that insurance coverage limits may apply to partial losses. This means that the insurance company will only reimburse up to a certain amount, even if the cost of repairs or replacement exceeds that limit. Understanding your coverage limits and any applicable deductibles will help you make informed decisions and avoid any financial surprises.

In conclusion, handling insurance claims on a partial loss requires understanding the claims process, gathering thorough documentation, and being proactive and responsive throughout the process. By following these tips and working closely with your claim adjuster, you can navigate the claims process with confidence and ensure a successful outcome.

If you’re in need of insurance coverage or have any questions about the claims process, Shield Insurance Agency is here to help. With over 40 insurance companies represented, we can find the right policy to fit your needs. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

More Blogs by Shield Insurance Agency

Read More
Navigating Your Healthcare Switching Your MAPD Plan Before 331 Deadline | Shield Insurance Blog

Navigating Your Healthcare: The MAPD 3/31 Deadline

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | MAPD 3/31 Deadline | Healthcare Insurance | eMail Brianna

Navigating healthcare options can be a complex and daunting task. Among the myriad of choices, Medicare Advantage Prescription Drug (MAPD) plans stand out for offering a combination of Medicare Advantage (Part C) and prescription drug coverage (Part D). However, what happens if you find yourself enrolled in a MAPD plan that doesn’t meet your expectations or needs? Fortunately, there’s an opportunity for change, but the window is limited.

MAPD 3/31 Deadline Options

If you’re currently enrolled in a MAPD plan that’s not living up to your healthcare needs, you have the opportunity to switch to a different plan. This option is not only empowering but critical for ensuring your health and wellbeing are not compromised by an unsuitable plan. The timeframe for making this switch is crucial—changes can be made only until March 31st. This deadline applies annually, giving plan members a specific period after the New Year to reassess their coverage.

Why Switch before MAPD 3/31 Deadline

The reasons to consider switching vary from person to person. It could be dissatisfaction with the network of providers, changes in your medication needs not covered under your current plan, or perhaps customer service issues. Switching gives you the chance to align your healthcare plan more closely with your individual health requirements and preferences.

How to Make the Switch

Switching your MAPD plan requires a bit of research to ensure your new plan better suits your needs. The easiest way is to call Brianna at the office. Her direct line is 616-777-3012 or you can email her directly. Otherwise here are some steps to consider:

  1.  Review Your Current Healthcare Needs: Assess any changes in your health or medication that may necessitate a switch.
  2.  Compare Plans: Use resources like the official Medicare website or consult with a healthcare advisor to compare different MAPD plans available in your area.
  3.  Check the Provider Network: Ensure your preferred doctors and hospitals are in-network for the new plan.
  4.  Understand the Costs: Compare premiums, deductibles, out-of-pocket costs, and coverage for prescription drugs.

Final Thoughts

Switching your MAPD plan can significantly impact your healthcare experience for the better. While the decision to switch should not be taken lightly, it’s comforting to know that you’re not stuck with a plan that doesn’t serve your best interests. Make sure to use the period until March 31st wisely to evaluate your options and make an informed decision. Remember, your health is your wealth, and ensuring your healthcare coverage meets your needs is a critical step in maintaining it.

More Blogs by Shield Insurance Agency

Read More