I realized the value of good health coverage at an early age. When I was 15 years of age, I was involved in a car accident where I sustained a head injury and fell into a coma for two months. I was in the hospital and rehabilitation from Oct. 11 of 1993 to March the following year. When I officially woke up, it was almost Christmas. Finding myself at Kluge Rehabilitation Center in Charlottesville, VA, I had tubes in my nose and could not walk on my own. For the following months, I was on my way relearning basic vocabulary and how to walk all over again. In the rehabilitation center, I had every type of therapist that you could think of to help me, but the diagnosis was not good. The doctors confirmed that I would suffer with short-term memory loss and "fight or flight" temperament problems due to the injuries to the frontal lobe of my brain. They said this would lead to bouts of depression and anger issues that may be uncontrollable.
The good news is this -- luckily, I had a lot of protection by way of the lump sum benefits from various insurance policies. They all combined to make a bullet-proof plan that would give me the general care and to sustain my family so that we did not have to go bankrupt. Due to a miracle and great health coverage, at age 23 I revisited the doctor and got an MRI that showed no trauma. I had recovered fully!
Today, protecting families, in a situation like mine, has become my passion. I keep families from becoming prey to medical bankruptcy. Medical bills are becoming the leading cause of bankruptcy in America today. Most of all bankruptcies in America are of a medical nature. The ironic thing is that in most of these cases, the family has a form of health coverage in place, but it just is not adequate coverage.
Our mission statement is H.O.P.E. (Helping Other People Everyday). I help families become educated on how to protect themselves. If you are a small business or a family who pays out of pocket with a large deductible, contact me! I can do an analysis and get you in a better position. I am armed with the knowledge you need. I know how to adequately protect a family and limit the out of pocket if an accident ever happens.
Reach out today!