When you’re taking out a life insurance policy for yourself, you’re most likely doing so to make sure that those you leave behind are taken care of financially. So naturally, if you have children, you’re probably inclined to name your child or children as one of your beneficiaries for the policy.

Before you do so, there are a few things you need to know about naming your child as your life insurance beneficiary.

1. If the child listed on your policy is under the age of 18, the life insurance benefit would then go to the guardian you have listed on file.
2. That guardian then has every right legally to use the life insurance money as they wish!
3. If you want to make sure you have a voice on how that life insurance money is used for your child, then it’s imperative that you put it in writing – preferably a legal contract such as a will.

We know that life insurance isn’t the most thrilling topic of conversation and thinking or talking about it can seem morbid. But here at Clevenger Insurance, we believe it’s a topic of conversation that is essential for everyone! Your loved ones being cared for in the event that you can no longer do so is our top priority.

If you have any questions regarding life insurance or need a recommendation for an attorney to write up that will, give us call at 574-267-2181.

Did you know that, statistically, designating a primary care physician for your healthcare needs can lead to overall lower healthcare costs?

Yep, it’s true!

Urgent Care centers and virtual visits with a doctor are wonderful if you’re in a pinch and need immediate access to healthcare. But there are some great benefits – apart from lower financial costs – that come with designating a primary care physician:

• PCP’s offer yearly preventative screenings that can aid in early detection of disease and illness
• PCP’s can refer you to specialists to help you with more in depth health issues
• Because a PCP is the doc you go to for most of your wellness visits and illnesses, there’s a level of familiarity, safety, and comfort there that you probably won’t experience with one-time doctors

If you need help choosing the right primary care physician or need a list of in network doctors in your area, call your health insurance company direct or give Clevenger Insurance a call today at 574-267-2181.

We’re slowly getting to the end of the year, and while most of us have Christmas on our minds, it’s important to remember that the end of the year doesn’t only bring with it Christmas tree lights and presents! The end of the year also signifies that your health insurance deductible may be starting over.

For most insurance plans – not all – but most, the health insurance deductible typically starts over January 1^st.

So, what does this mean for you?

Any medical appointments that you need, make sure you schedule now before January 1^st, especially if you have already met your deductible or are close to meeting it.

Doctor’s office’s schedules tend to fill up fast this time of year for this reason! So, schedule soon if you are able, otherwise that met deductible will go back to $0 the first of the year and you’ll be paying out of pocket for those medical services.

If you’d like to know if your deductible is met, call the number on the back of your insurance card to speak to a representative or call Clevenger Insurance at 574-267-2181.