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Any question on individual or employee-sponsored health insurance, Term life insurance, or Medicare questions. I cannot answer any question involving investment funded life insurance or any government-sponsored entitlement question that does not involve a private insurance company.

Experience in the area

Our agency has over 35 years of combined experience. I, personally have been in the insurance business for 6 years. I have dealt with every type of client out there, young and old.


Texas Association of Health Underwriters Lubbock Association of Health Underwriters - Media/Communications Chair Young Professionals of Greater Lubbock Premier Networkers of Greater Lubbock (President)


Bachelor of Arts in Economics from Texas Tech University. Associates of Arts in Business Administration from Frank Phillips College.

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lee04/09/15101010Thank you. That was helpful!
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joyce08/11/14101010thank you so much for the answer .....
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Recent Answers from John Claborn

2016-01-17 Employer Coverage vs Medicare for Wife:

Scott,    Let me first say that rules regarding Employer Coverage/Medicare coverage vary state by state, so I would certainly consult a broker in your area that is more familiar with your state's rules

2015-10-08 Health care insurance:

Actually, your assessment of "spending less", while certainly the case for some, is probably not quite accurate in your case in terms of an individual plan versus COBRA. Yes, on average, COBRA is more

2014-08-20 Health insurance:

The Affordable Care Act states that individuals may remain on their parents' policy as dependents until 26. Over the past 4 years, I have not read any research allowing exceptions to that law. I would

2014-08-10 referral:

If the situation is dire, the hospital typically expedites that process. Most of the time, if you are on a PPO plan, referrals are not needed from a PCP. However, each hospital is different. Some require

2014-01-29 Dental insurance for elderly:

This is a tough question to answer. Since I do not transact business in Connecticut, I am unaware of dental plans that would be considered competitive in your state. However, my recommendation would be


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