insurance

How Seasonal Work in Blue Ridge Impacts Your Health Insurance Choices

Posted on by agentinsure

In Blue Ridge, GA, the seasons don’t just shape the weather; they shape how people work.

Tourism, construction, agriculture, and hospitality are major industries in the region. But they don’t operate year-round. A significant portion of the local workforce cycles through jobs based on the season. Here’s the hard truth: that kind of work rhythm can complicate your access to reliable health insurance.

The Insurance Mart works with Blue Ridge residents to bridge that gap, because missing coverage for even one month can cost more than a year’s worth of premiums.

The Coverage Gaps No One Warns You About

Seasonal jobs come with an expiration date and often without benefits. One month you’re covered under an employer plan, and the next, you’re left patching together coverage with short-term policies or hoping you don’t get sick before open enrollment.

Miss a deadline, skip a form, or take the wrong type of job, and you could find yourself uninsured until spring, or worse, stuck with a surprise ER bill after a skiing mishap or a kitchen accident during peak season.

Health insurance isn’t just about having something in place. It’s about having the right coverage at the right time.

What You Can Do Now, Not Later

Here’s the solution: treat your health insurance like your income, flexible but planned. The Insurance Mart helps Blue Ridge, GA, residents map their work cycles to smart coverage decisions. That means:

  • Leveraging special enrollment periods after job changes
  • Understanding if you qualify for subsidies or Medicaid during off-season
  • Using short-term policies with caution, and only as a bridge
  • Avoiding coverage lapses that reset deductibles or trigger penalties

Every seasonal worker’s situation is different, but the solution starts the same way, with a plan built for the gaps before they show up.

Don’t let your coverage be affected by the weather. Call The Insurance Mart in Blue Ridge, GA, and get health insurance that works whether you’re on the clock or between gigs.

Should I Buy More Than One Category of Life Insurance?

Posted on by agentinsure

For many people in Blue Ridge, GA, one life insurance policy is sufficient to meet their needs. However, for others with multiple concerns, a single policy may not provide enough coverage. The Insurance Mart can help you determine whether you need more than one policy and which types are best suited for your situation.

Combining Life Insurance Types

Life insurance policies fall into two primary categories: term and permanent. Term policies provide coverage for a specific period and do not accumulate cash value for the policyholder. Permanent policies include options such as Whole, Universal, and Variable life insurance, each offering unique features related to flexibility, cash value, and investment opportunities. Whole and term policies address different needs, and choosing the right combination depends on your financial goals, budget, and responsibilities.

Reasons to Buy Multiple Policies

Many individuals purchase additional policies to supplement employer-provided life insurance, which may not offer sufficient coverage. Individual plans provide extra protection and remain with you even if you change jobs. Another strategy is laddering, where you buy multiple term life insurance policies to cover specific assets, such as your mortgage, or to provide for your children in the event of an untimely death. Separate policies can also serve different purposes, such as building cash value or leaving a legacy for multiple beneficiaries.

If you own a business, you may need a separate policy known as key person insurance. This type of coverage ensures your company can pay debts or continue operations after your death.

Your financial needs often evolve over time, and your insurance needs may change as well. For example, you might start with smaller term coverage when your family is younger and later convert those policies into permanent coverage as your circumstances shift.

Contact Us

Contact The Insurance Mart, serving Blue Ridge, GA residents, to schedule an appointment and learn more about the various life insurance policies available. We’re here to help you find the right coverage to meet your unique needs and goals.

Why Georgia’s US Healthcare Expenses Ranked Among the Highest During 2024

Posted on by agentinsure

Understanding the Importance of Health Insurance

With healthcare costs rising, ensuring your family has health insurance is necessary. You may have questions about what type of health insurance to buy or which policy may be best for your family. Blue Ridge, GA residents are invited to consult with one of our agents at The Insurance Mart. We’ve been working with families in your area since 1973.

Why Georgia’s US Healthcare Expenses Ranked Among the Highest During 2024

While Georgians take pride in their home state, they may not feel the same about the state’s ranking as one of the nation’s leaders in healthcare expenses. According to GBS, a study conducted by Forbes magazine ranks Georgia in eighth place for healthcare expenses in 2024. The same research suggests that rising healthcare costs in Georgia are partly due to the state’s increasing inflation rate.

GBS reports that up to 40 percent of Georgia’s citizens have delayed or avoided a healthcare appointment or service because they couldn’t afford it. Patients can develop long-term health complications when medical appointments are postponed or skipped. As health problems worsen, the eventual healthcare costs can prove even more expensive.

Contact Us Today for Your Appointment

While you might consider going without health insurance to save money, this could be costly. Every member of our team at The Insurance Mart can present you with health insurance options that can meet the needs of every budget. Blue Ridge, GA residents will find our agents knowledgeable and approachable. Call us to schedule an appointment today to discuss your health insurance needs.