Why I Do This

I spent three years at State Farm. Good company, good people — but I could only sell what one company carried, and I didn’t think much about health insurance at all.

Then my first son was born.

I thought we were covered. We had a plan from a major carrier and I’d never had a reason to question it. Then the bills started showing up. Not one — a stack of them, over a few months, adding up to more than $25,000. Every one of them was technically correct. I just hadn’t understood what I’d bought.

That was the moment. I was in the insurance business and I’d still gotten it wrong — because nobody had ever sat me down and explained it. If it could happen to me, it was happening to a lot of people who had even less reason to know better.

So I learned it. All of it. Deductibles, networks, what “covered” actually means, where the surprise bills hide. It’s not simple, but it’s not impossible either. Anyone can understand it if someone takes the time to walk them through it.

That’s what Wardstone Benefits is. I went independent so I could work for you instead of for a carrier. I’m your broker, not theirs. I compare plans across the companies I’m appointed with, I tell you plainly what each one will and won’t do, and I make sure you know what you’re buying before you sign anything.

Nobody should find out what their plan really covers from a bill.

— Grant