In Lynchburg, where the James River winds through our historic city and the Blue Ridge Mountains beckon, life moves fast. Whether you’re a young professional starting out near Downtown, a small business owner running a shop by Amazement Square, or a family settling in Forest, one thing’s certain: the right health insurance can save you thousands. But with so many plans, deadlines, and fine print, how do you find coverage that fits your budget
and your life?
At
Hodges Insurance Agency, we’ve been helping Lynchburg locals navigate health insurance for over 47 years. As independent brokers, we compare plans from top carriers like American Equity to find you the best deal. Here are three game-changing hacks to save money and stay covered—plus a local success story to inspire you.
Hack #1: Shop Smart with an Independent Broker
Think all health insurance plans are the same? Think again. Premiums, deductibles, and out-of-pocket costs vary wildly, and the cheapest plan isn’t always the best value. As independent brokers, we at Hodges Insurance Agency have access to multiple carriers, letting us shop around for you. Whether you need individual coverage or a group plan for your small business, we’ll find a policy that balances cost and coverage.
Lynchburg Tip: With no state individual mandate in Virginia, you’ve got flexibility—but that means more choices. Let us simplify it. We’ll compare plans to ensure you’re not overpaying for coverage you don’t need, whether you’re near Sandusky or Rivermont.
Hack #2: Seize Special Enrollment Periods
Life doesn’t wait for open enrollment. Getting married, having a baby, or losing job-based coverage? These are qualifying life events that trigger a Special Enrollment Period (SEP), giving you 60 days to enroll in a new health plan through the Affordable Care Act marketplace. Missing this window could mean waiting months—or paying out of pocket for care.
At Hodges, we guide you through SEPs to get coverage fast. For example, if you just welcomed a newborn at Lynchburg General Hospital, we can help add them to your plan or find a new one that covers pediatric care, all within that 60-day window.
Lynchburg Tip: Moving to Lynchburg from another state? That’s a qualifying event, too. Call us at (434) 237-5926 to explore your options.
Hack #3: Boost Savings with Supplemental Plans
Not on Medicare yet? Standard health insurance often leaves gaps—think high deductibles or uncovered dental and vision care. Supplemental plans, like hospital indemnity or critical illness policies, can fill those gaps without breaking the bank. These plans pay cash benefits directly to you, helping cover costs like hospital stays or unexpected diagnoses.
Hodges Insurance Agency specializes in tailoring these add-ons to your needs. For instance, if you’re a freelancer in Timberlake, a dental plan could save you hundreds on routine checkups, while a hospital indemnity plan could cover unexpected ER visits.
Lynchburg Tip: Love hiking in the Blue Ridge? A supplemental accident plan can provide peace of mind for those adventurous weekends.
