Protecting You and Those You Value Most
Meet Debra Lockwood
Warm, caring, and passionately dedicated—Debra Lockwood is more than just your insurance professional; she's your trusted advocate and friend. With years of experience helping both large organizations and families navigate insurance choices, Debra’s approach combines professional expertise with genuine empathy.
Debra believes insurance shouldn't feel complicated or intimidating. That's why she commits to making the process clear, simple, and even enjoyable.
Why Choose Debra?
Personalized Service: Every client receives attention tailored to their specific situation.
Trusted Expertise: Proven knowledge in designing insurance solutions that provide peace of mind.
Warm and Welcoming: Friendly, supportive interactions that prioritize your comfort and clarity.
Frequently Asked Questions
What exactly is supplemental insurance?
Supplemental insurance is coverage that helps fill the gaps left by primary health insurance. It provides additional financial protection by paying policyholders directly, helping cover out-of-pocket costs during unexpected illnesses or injuries.
Why do I need supplemental insurance if I already have health insurance?
Standard health insurance typically doesn't cover all expenses, such as deductibles, copays, lost income, or non-medical costs. Supplemental insurance offers extra financial support during these times, providing cash benefits directly to you, ensuring peace of mind.
How does supplemental insurance work when filing a claim?
When you experience a qualifying event (like an accident or illness), you simply submit your claim. Upon approval, you receive direct payments that you can use however you choose—whether for medical bills, household expenses, or daily living costs.
Can I use supplemental insurance benefits for non-medical expenses?
Absolutely. Supplemental insurance payments go directly to you, so you can decide how to best use the funds, whether it's medical bills, groceries, mortgage payments, or other living expenses during a challenging time.
Is supplemental insurance expensive?
Supplemental insurance is surprisingly affordable, especially compared to the financial burden of unexpected medical costs. Plans are flexible, customizable, and can be tailored to your specific budget and coverage needs.
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