accident

4 Ways To Protect Yourself This Holiday Season

accidentHoliday Accidents

Thanksgiving is a day for Football for a lot of Americans. Whether it’s watching the professionals, or taking part in a local Turkey Bowl, the game is big here. Football is a pretty dangerous sport. Accidents are common, especially in amateur games.  And football isn’t the only danger during the holiday season.  Cold weather and ice can lead to falls.  House cleaning projects can lead to injuries.  How do you protect yourself?

Supplemental Insurance Policies

supplemental insurance policy If you have an accident, it’s going to cost you money. A visit to a doctor’s office or the ER can rack up bills pretty quick.  A normal health insurance policy will cover some of it, but there are always additional costs.  There are travel time and the cost of gas, money lost from missing work, and many other things you’ll find the basic health insurance policies miss out on.

That’s why supplemental insurance policies are so helpful. For as little as $35-$45 a month, we can provide additional coverage that can help you out in many ways. Here’s how!

1. Accident Coverage

Bullock Agency’s supplemental insurance policies are the top selling in the nation because of the range of coverage we offer.  Whether it’s an accident at an amateur sporting event, or an injury around the house or policy will cover treatments, x-rays, follow-ups, and much more.  With our policy, you won’t have to worry about that Turkey Bowl getting out of hand.  If you get hurt, we’ll be a shoulder to lean on.

2. Hospitalization

A quick visit to the hospital can be expensive. A prolonged stay can be a financial nightmare.  Health insurance may cover some of the costs, but if your stay goes on for an unexpected length of time, it may not be enough.  Our policies can get you anywhere from $500 to up to $3,000 to give you an extra buffer.

3. Short-Term Disabilities

If you break your leg, you don’t go back to work right away.  Even after the initial hospital stay, you may be out of work for a few weeks to a few months before you’re back at full capacity.  Even if your health insurance covers the medical bills, the money you lost while you had to be off your feet is completely ignored.  With our supplemental policies, we can help you get some extra cash to cover your needs while you recover.

4. Wellness Benefits

Health Insurance tends to be about fixing what’s broken.  After you get sick, or after you have that accident, the health insurance pays out to help you with your bills.  Sometimes, though, the best way to fix something is to not break it in the first place.  Our supplemental policies cover preventative measures, like health exams, bloodwork, and cancer screenings.  That way, you can stay healthy instead of needing to get healthy.

 

ProtectionYou Come First

Bullock Agency’s benefits are paid directly to the policyholder.  The cash goes directly to you, so you can use it how you see fit.  We cover you and your family, helping you maintain financial well-being during a medical crisis.  Get in touch with us today and see how we can help you.

Breast Cancer Awareness

Don’t Let Breast Cancer Destroy Your Life

Breast Cancer AwarenessBreast Cancer Awareness Month

October is Breast Cancer Awareness Month.  To help with cancer awareness, we at the Bullock Agency would like to discuss breast cancer and its long-term effects.

Breast cancer, like all forms of cancer, begins when the cells in your body begin to grow out of control (Source).  The cells not only multiply at a faster rate than normal, but also lose their programmed cell death (or apoptosis).  They continue to build up instead of dying off, creating tumors.  Over time, these cells can also spread – or metastasize – to other areas of the body, disrupting vital functions.

According to Breastcancer.Org,  1 in 8 women will get breast cancer, making it second only to skin cancer in terms of how common it is.  This means that while you might not develop breast cancer, you will almost certainly know someone who does.

 

How Breast Cancer Affects People

Breast Cancer affects people in three main ways: physically, emotionally, and financially.

 

Physical

We associate pain with something being wrong, but you may be surprised to know that in early stages, pain is not a common symptom in breast cancer.  In the early stages, the most common symptoms will be changes to the shape of the breast. Lumps are the most obvious sign, but this can also include swelling, redness, changes in texture, or changes in the shape of the nipple.  These might be accompanied by discharges from the nipple and enlarged lymph nodes.

However, many of the side-effects of treatment are highly uncomfortable.  Most treatments – especially chemotherapy and radiation – involve attempting to kill the unhealthy cells with poisons or radiation while doing as little damage to the healthy cells as possible.  Despite our best efforts, these treatments still do some damage. Common side effects of treatment include loss of appetite, nausea and vomiting, fatigue, hair loss, bleeding, sores, and soreness.

 

Emotional

The emotional effects of cancer can be equal to the physical discomforts of the disease. Just hearing you have cancer is frightening. As a potentially fatal disease, it’s a harsh reminder of our own mortality.  You worry about whether or not you will survive. How will your family will deal with things should the worst happen. What financial burdens will treatments incur. Your family worries about all of these things with you.  On top of that, the physical symptoms are exhausting. This can cause depression, decreasing your ability to cope.

 

Financial

The financial burdens are often the elephant in the room. While you focus on the day-to-day business of surviving, the bills start to pile up.  Deductibles, co-payments, specialized therapies, travel to treatment facilities, the inability or decreased ability to work; these are just of few of the indirect costs of cancer not covered by your health insurance.  By the end of treatment, you could find yourself in hundreds of thousands of dollars worth of debt.  It should be no surprise that medical bankruptcy has become the #1 cause of bankruptcy in the United States.

 

How We Can Help

At the Bullock Agency, we want to help with the financial stresses.  With programs that encourage yearly screening, we help you to catch it early, which dramatically increases your chance of survival. With early intervention you can also avoid the perils of medical bankruptcy.

After a diagnosis, many find that their primary medical insurance won’t cover everything.  As the debts mount, many people try skipping treatments.  While this may seem like a good way to save money in the short run, but in the long-term, it increases chances that cancer will recur, meaning even more debt and a greater chance of death.

Since primary medical coverage is often not enough, the Bullock Agency offers supplemental insurance policies.  90% of Americans have less than 6 months worth of savings in their bank account. Supplemental insurance policies can help with that.  For as little as $35-$45 a month, we can provide additional benefits, assisting with the cost of screenings, hospital stays, and transportation.  And even after the diagnosis, we can offer assistance in paying for treatments, surgeries, and more. These added benefits include free coverage for children.

Let Us Help

Don’t hesitate.  If you are over the age of 45, you need yearly screenings. If you have a family history of certain types of cancer, especially Breast and Colon cancer, start even earlier.  Remember that early detection is the best way to keep medical costs low.  It also gives you the best chance of survival. To help alleviate some of your financial concerns, get in touch with us and see how a simple supplemental insurance policy can give you the peace of mind in knowing you won’t have to worry about medical bankruptcy.  The sooner you sign up, the better your benefits will be when the time comes to cash out.

Kid smiling in Dental Chair

Dental

Protect Your Teeth and Your Smile

Having difficulty finding the right Dental Coverage? Let The Bullock Agency help! We give you a choice of carriers and affordable coverage that best suits your family’s needs. Many of our carriers let you choose your own dentist instead of staying in a network, at no extra cost.

Healthiest You

A Positive Addition to Health Insurance

Whether you are healthy or sick, the Healthiest You service can enhance your well-being.  It provides a variety of services to help you save money, become healthier, and get the medical care you need. 

Here are a few of the benefits:

  • Instead of visiting an urgent care facility or the emergency room, you can talk to a doctor over the phone, by email, or via video.  In many instances, the doctor will be able to diagnose your problem and even write a prescription.
  • The Healthiest You app will help you compare the price of medications at different pharmacies so you can pay less.
  • Track your insurance deductibles.
  • Health coaching.
  • And more!!!

Call the Bullock Agency now to learn how Healthiest You can help you: 435.753.4416.

ACA (Affordable Care Act) Health Care Exchange

At the Bullock Agency, we give you access to our trade partners who are experts in the ACA Health Care Exchange. Whether you are in Utah or outside, our partners can easily help you enroll or answer those tough questions about today’s health care options.

Husband, Wife, daughter, son

Legal Shield / Identity Theft

At the Bullock Agency we give you easy access to LegalShield, a company that has been offering legal service plans for 40 years, protecting 1.4 million families. The unexpected need for legal advice can arise at any time, and with LegalShield on your side, you’ll have access to a quality law firm for as little as $20 a month. From letters written on your behalf to document review, speeding tickets to will preparation, and more, our attorneys are here to provide legal advice — no matter how traumatic or how trivial it may seem.

In addition we offer Identity protection for you and your family. Identity theft affects millions of Americans each year. LegalShield offers two high quality identity theft plans to help protect and restore your identity. LegalShield Identity Theft Plan provides standard identity monitoring and the Identity Theft Premium Plan provides more comprehensive monitoring. Best of all, both services provide Comprehensive Identity Restoration from Kroll. So in the unfortunate event that your identity is compromised you’ll have professional help in getting it restored. To ensure your entire family is protected, the LegalShield plans cover you, your spouse, and up to 8 dependent children under the age of eighteen. With our legal service plans you will be protected and empowered to worry less and live more.

Life Insurance Image (Life Preserver)

Life Insurance

Most Americans carry no life insurance…Don’t be one of them! At the Bullock Agency we help our clients choose the best Life Insurance options for their needs. Whether looking for term, whole life, supplemental, or guaranteed issue, let us assist you in this very important decision for the financial well-being of your family.

Medical form with stethoscope representing supplemental health insurance

Supplemental Health Insurance

The Bullock Agency facilitates coverage that protects your family’s financial well-being during a medical crisis. Cash benefits are paid directly to the policyholder; use them as you see fit! Programs are guaranteed renewable and portable. This is YOUR insurance! We represent the top carriers in the industry, giving you the ability to customize your coverage by providing access to plans for:

Cancer: The select provider has benefits payable for initial cancer diagnosis, radiation, chemotherapy, cancer surgery, and experimental treatments. Wellness benefits are available for routine cancer screenings, as well as benefits payable for transportation and lodging, hospital stays, and much more.

Critical Illness: The select provider pays lump sum cash benefits for heart attack, stroke, paralysis, major third degree burns, end-stage renal failure, coronary artery bypass surgery, and major human organ transplant.

Accidents: The select provider has benefits payable for emergency treatment, x-rays, accident follow-up treatment, accident hospitalization, accident specific sum for injuries, accidental death, and much more.

Hospitalization: The select provider has benefits payable for hospitalization from $500-$3,000 depending on qualification. The insured must be hospitalized for at least 19 hours.

Dental: Having difficulty finding the right Dental Coverage? Let The Bullock Agency help! We give you a choice of carriers and affordable coverage that best suits your family’s needs. Many of our carriers let you choose your own dentist instead of staying in a network, at no extra cost.

Short Term Disability: Provides benefits based on your financial needs and income. You can choose between term coverage and an elimination period.