What Health Insurance Doesn’t Cover: 7 Gaps Hiding Behind “I’m Insured” You have a health plan. The premium comes out of every paycheck or you pay for your individual plan, the card is in your wallet, and you think of yourself as one of the insured ones — the people who did the responsible thing.…
A Patient Advocate Put Her Own Care in HFC’s Hands — Here’s WhyQUICK ANSWERRachel Nash is a Board-Certified Patient Advocate in the Carolinas who builds care teams for families facing complicated health situations. She refers clients to HFC Insurance in Lancaster, SC, takes no compensation for those referrals, and trusts the agency with her own…
10 Personal Insurance Secrets Smart People Miss You pay your premiums on time. You keep your policies in a drawer you can find. You think of yourself as the responsible one, the person who has it handled. Here’s the uncomfortable part: being responsible and being protected are not the same thing. The most expensive insurance…
Why Sun City Carolina Lakes Residents Need a Local Insurance ExpertLiving the Dream in Sun City Carolina Lakes Life in Sun City Carolina Lakes comes with many perks — beautiful homes, an active adult lifestyle, golf courses, and a welcoming community of neighbors who care about one another. But along with that dream lifestyle comes…
Independent vs Captive Insurance Agencies in Indian Land, SCWhy This Choice Matters for Indian Land Residents When you’re shopping for insurance in Indian Land, SC, the options can feel overwhelming. Should you call a big national brand with a familiar jingle? Or should you sit down with a local, independent agency like HFC Insurance that…
The Power of Local: How Main Street Beats Wall Street When you support a local business in Lancaster, SC, you’re doing more than just making a purchase — you’re investing in your own community. You’re not clicking a button on a giant website that funnels your money to a corporate headquarters in another state. You’re…
Sundown Promise & Service Culture: How We Made Insurance Personal Again Remember when people knew your name at the bank? Or when a handshake actually meant something? At HFC Insurance, we’re bringing that feeling back. We call it our Sundown Promise — and it’s the heart of how we made insurance personal again. What is…
The Biggest Mistakes You Make with Life Insurance (and How to Avoid Them) When it comes to life insurance, the biggest mistake you can make is thinking you don’t need it. But even those who recognize its importance often stumble into pitfalls that could leave them or their loved ones vulnerable. Let’s dive into the…
Insurance Made Easy. You Relax While We Take Care of The Rest. Why You Need an Independent Insurance Agency in Lancaster, SC Imagine walking into a bakery with only one kind of cake on display. No matter your taste, your dietary needs, or your celebration, that’s the cake you’re getting. Now, picture another bakery with…
Your Path to Affordable Coverage with Marketplace Health Insurance Imagine standing at the edge of a vast forest, a place full of paths, some clear and well-trodden, others hidden under dense leaves. You know you need to journey through, but which path do you choose? That’s what navigating health insurance can feel like, especially when…
Who is the Best Insurance Agency in Rock Hill, SC? Imagine you’re on a quest. Your goal? To find the best insurance product for the best price. But you don’t want to do it alone—you need a guide to help navigate the complicated world of insurance. Insurance can be daunting, and in Rock Hill…
What are 5 Things People Look for in a Local Insurance Agent in Lancaster SC? When searching for a local insurance agent in Lancaster SC, people typically look for someone who is knowledgeable, trustworthy, and responsive to their needs. Here are some more specific details and examples of the top things people look for in…
How Age Affects Your Insurance Rates: Understanding the Impact and Finding the Best Coverage with HFC Insurance From Auto to Life Insurance, Knowing How Age Impacts Your Rates Age can have a significant impact on your insurance rates. Insurance providers consider age as a key factor when determining your rates. Different age groups are…
When Should I Evaluate My Insurance Needs? A Guide from HFC Insurance Don’t Wait for the Unexpected – Ensure You Have the Right Coverage with Our Expert Help Insurance is an essential part of protecting your assets, your family, and your future. But with so many options and policies available, it can be…
The Top 5 Myths About Insurance Insurance is something that most of us will need at some point in our lives. Yet, there are still many myths and misconceptions surrounding insurance that can prevent people from obtaining coverage. In this blog post, we’ll debunk the top 5 myths about insurance and set the record…
Your Credit Score and Insurance Rates: What You Need to Know How Does My Credit Score Affect My Insurance Premiums? As a savvy consumer, you may be aware that your credit score plays an important role in determining your financial health. But did you know that it can also impact your insurance premiums? Your…
A Comprehensive Guide to Different Types of Insurance: Protecting Your Assets and Future with HFC Insurance From Auto to Medicare, Understanding Your Insurance Coverage Options Insurance is an essential part of protecting your assets and your future. But with so many types of insurance available, it can be hard to know which policies…
5 Common Myths About Life Insurance You Need to Know Debunking Misconceptions About Life Insurance Life insurance is a crucial financial product that can provide valuable protection for you and your loved ones. However, many people have misconceptions about life insurance that prevent them from getting the coverage they need. In this article, we’ll…
What are the Drawbacks of Purchasing Insurance Services Online & Why You Should Choose a Local Insurance Agency The Importance of Using a Local Insurance Agency The internet has made it easy to purchase almost anything online, including services such as insurance. While buying insurance online or using an out-of-state provider may seem convenient,…
How Does HFC Insurance Provide Outstanding Customer Service to Our Clients? At HFC Insurance, customer service is more than just words. It’s our culture. Join our family to see what we are talking about. Here are some of the key factors that make our customer service stand out: Local Support We are…
5 Common Issues People Face When Choosing Insurance and How to Avoid Them When it comes to choosing insurance, many people face common issues that can lead to inadequate coverage, unexpected expenses, and other problems. Here are five of the most common issues people encounter when choosing insurance, and some tips on how to…
5 Reasons Why You Need Insurance & How We Can Help Insurance is something that many people don’t think about until they need it. However, insurance can be an essential part of financial planning, providing protection and peace of mind when unexpected events occur. Here are five reasons why you need insurance and how…
“Started working with HFC Insurance while exploring Medicare options and found Rachel Haynes to be extremely helpful. So, I went a step further to have them assist me with Home/Auto insurance to ensure I was getting the most competitive rates. That’s when I met Lora Macy, who absolutely went the extra mile in reviewing our…
What Should You Look for in an Insurance Agent When looking for an insurance agent, it is important to consider the following factors: License and experience Make sure the agent is licensed and has experience in the type of insurance you need. This will ensure that they are knowledgeable and able to…
The Do’s and Don’ts of Insurance Here are some of the do’s and don’ts of insurance: Do’s: Shop around for the best coverage and rates before purchasing insurance. Read and understand your insurance policy, including coverage limits and exclusions. Keep accurate records and receipts of your insurance claims. Review and update your…
What is an ICHRA? Is it Right for Your Business? As more and more brokers reach out to employers stating, “we can get your employees free health insurance”, understand what they are talking about. Nothing is free and a business needs to understand the whole picture. More employers are opting to fund accounts that…
8 Tips If You Are Changing Your Health Insurance Carrier Changing your insurance carrier from time to time is something we must do. When you do, what are some of the things you need to keep in mind? Make Sure You Don’t Have a Doctor’s Appointment on the Day It Takes Effect It…
What Questions Should I Ask a Pharmacist in Lancaster SC? I had the privilege of interviewing Hugh Mobley at Mobley Drugs in Lancaster, SC. He’s a local pharmacist that’s been in the community for over 40 years. In this podcast, Hugh answered several questions people should ask their pharmacist. I have transcribed that podcast…
Is There a Time I Can Only Enroll In Insurance? When can you enroll in insurance? That depends on what type of insurance you are looking for. Medicare Initial Open Enrollment Period Generally, when you turn 65. This is called your Initial Enrollment Period. It lasts for 7 months, starting 3 months…
Estimated reading time: 4 minutes Why You Should Be Careful on How You Purchase Insurance in Lancaster SC Sometimes we long for the simpler days of old in Lancaster SC. One thing I’m glad has changed is how we purchase things. The internet, specifically, Amazon, has made purchasing some things, a whole lot easier. Just…
Estimated reading time: 1 minute Questions You Should Ask a Pharmacist Most people at some point will take medications. Below are some questions that may have crossed your mind at times. Does it really matter what time of day you take medications? What vaccinations are important for seniors? How does age increase the…
Retirees are spending an average of $4,000 a year on out-of-pocket health care costs, according to the Employee Benefit Research Institute. In its annual report on senior spending, EBRI noted that average annual out-of-pocket health care costs have remained steady for the past five years and that non-recurring costs create the most expenses for people.…
Home Insurance and Power Outage Survival Guide Your home insurance policy is not the only important document you need to keep. There are many things in life we cannot control. The weather and outside forces, are just a few. That’s why we have put together this Home Insurance and Power Outage Survival Guide for…
People who are older than 60 are generally happier than younger adults and teens, new research has found. According to a survey on happiness and aging by banking giant HSBC, people are the happiest between the ages of 60 and 80. The study acknowledged that we are living longer than ever before thanks to health…
Credit scores are a fact of life. Lenders use the scores to uncover information to determine how likely a borrower is to pay back a loan in a timely fashion. Since credit scores are so important, they have taken on a kind of mystical aura that has led to many misconceptions. The average American thinks…
For high-net-worth individuals, the financial consequences of being sued can be serious business. They typically have more assets at risk should be they be hit with a large court settlement or judgment and, while compensatory damages may be standard across the board, some juries have seen fit to punish the rich especially hard for their…
The last thing you want to think about when you are getting married is insurance, but as the big day draws near, you will be soon combining your assets and your risk. Your insurance policies should reflect that. Often, once you are married, you may enjoy the benefit of lower insurance premiums thanks to combining…
As we enter 2022, there are a number of changes on the horizon that plan sponsors need to be aware of as they will affect group health plans as well as employees enrolled in those plans. Some of the changes concern temporary rules that were implemented during the COVID-19 pandemic. In addition, new rulemaking is…
At some point we all feel it … those regular body aches creeping in, getting tired easily and feeling low on energy. And you ask yourself: Why do I feel so old? People reach their physical peak when they are between 30 and 35 years old, and after that the average person experiences a bit…
It’s always a perfect time to re-evaluate your insurance coverage needs. Life changes happen and as time goes on we forget to make important changes to our policies. The best way to do that is to have an insurance checklist. This is especially true if you’ve had any significant life changes or made large purchases…
Insurance is a product you purchase to help protect you against a loss. Health insurance is one of those products we all need. You never know when that catastrophic health event will happen but before that happens, make sure you select a health insurance plan that will help lower your financial risk. On March 23,…
The soaring cost of new prescription drugs is becoming a major driver in overall health insurance price increases. Some of those drugs are so expensive that they are out of reach for the average patient. When people can’t afford the drugs their doctor prescribes, it can result in either severe financial strain, even for those…
When you look at the dental options for your employer-sponsored health plan, or if you’re just looking at the options available on the market, you may encounter the acronyms DMO and PPO (also known as a PDN), as well as indemnity plan, in the marketing literature. These terms describe types of dental insurance plans. To…
Retirement is a major life transition. If you’re reaching retirement age within the next few years, it’s time to start making some important financial decisions. Here are several of the most critical issues you should be addressing in the coming months: Reduce risk Now is the time to begin reducing your stock market exposure. While…
Restaurant and other commercially prepared foods are notoriously high in fat, salt and sugar. These foods are fine as an occasional indulgence or for a special occasion, but usually not healthy as a regular diet. According to research, eating home-cooked meals leads to better health than eating out frequently. While that’s not surprising, there are…
A new study has found that following a diet that consists of processed foods can quickly result in weight gain. The study by a team of researchers at the National Institute of Diabetes and Digestive and Kidney Diseases in Bethesda, MD, was the first of its kind conducted on humans – and with astonishing results.…
We love our dogs. In 2017, there were nearly 90 million dogs living in American households, meaning that nearly half of all households had one. Why do we let these furry four-legged friends into our lives? For most people, it’s companionship as well as an excellent burglar alarm. But there are other advantages to having…
While you should exercise to take care of your health, what you put into your body can have a great impact on how you feel and your overall general health. And as part of your efforts to stay healthy, you’re also trying to stave off diseases, like heart disease, cancer and other issues that unhealthy…
Reading books benefits both your physical and mental health, and those benefits can last a lifetime. And during a time of stress, reading can also benefit your emotional well-being, stave off depression and help you get a good night’s sleep. When you read, you stimulate your brain and make it active. Also, reading requires constant…
If you drink two or more soft drinks a day, you may want to cut back. A recent study by the World Health Organization found that people who drink two or more soft drinks a day, even if they are diet sodas with no calories, have a higher risk of mortality than individuals that have…
If you are not seeing your dentist every six months for checkups, you should start immediately as doing so can prevent more serious problems in the future. But if you are between visits or haven’t seen your dentist for a while, if any of the following signs arise, you should make an appointment as early…
The U.S. Department of Health and Human Services has issued new fitness guidelines that recommend adults get two and a half hours of moderate exercise every week, at a minimum. The slogan of the new guidelines is “move more, sit less,” in an attempt to address the two main reasons many of us don’t get…
Back pain is one of the top reasons that people begin to lose mobility in middle age. Besides staying limber and learning techniques to strengthen your core muscles, one of the best ways to be kind to your back is to sleep on a proper mattress. Considering that you will spend roughly a third of…
You felt it coming on during your last hour of work and by the time you were driving home, the headache was pounding like a steam train digging a valley through your skull. While your first instinct might be to reach for a bottle of aspirin or ibuprofen, there are other methods that you can…
We all love our children. And if we’re blessed with a legacy to leave behind, we all want them to enjoy it. But some of our adult children are more mature with handling money than others. Many families have grown-up children who have issues that preclude leaving them any significant assets in a lump sum,…
After decades of tame inflation, it spiked sharply in April 2021, reaching 3.4% on an annualized basis. If sustained over a year, that would be more than twice the average inflation rate over the last decade and a half. If you’re close to retirement age, that rate of inflation is enough cut your spending power…
Besides improving our overall physical health, exercise can provide a boost to our mental health as well. Exercise has been proven to lift people’s spirits as it releases endorphins in our system that can brighten our outlook and reduce our stress. This is one of the positive benefits of exercise and it’s why so many…
Everyone has had those days: You’re feeling exhausted but have to work or have other obligations like shuttling the kids around to soccer practice or a day at the waterslide park. You desperately need a pick-me-up to get you through the day. If you’re like many people, you may reach for a Red Bull or…
Expecting a baby is one of the most joyous experiences in life. As you prepare your nursery, don’t forget to talk to your insurance agent to make sure your coverage reflects the change in your growing family. Below are a few pointers. Health insurance Before your baby is even born, review your coverage and make sure…
As natural disasters continue growing in number and severity, everybody should be prepared for quick evacuation in case of emergency. Even if you don’t live in an area known for natural disasters, you should always be prepared in case you have to make a sudden evacuation. While there is only so much planning we can…