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"Paycheck Protect®: A Trustmark Story"
I cast, wrote, and directed this short comic ad for my previous employer's innovative new insurance product.
"Trustmark Accident Overview"
I scripted this piece and selected all the footage, in addition to voicing the narration.
"Keep Your Insurance Up to Date"
This article was written for a millennial audience. It’s lighthearted but highlights a serious issue and encourages its audience to take specific action.
So you've gotten married! Congratulations! Your other half has a job that offers pretty sweet health insurance. You take a look at your own and... well, it’s what your company offers, you guess. You make the decision to hop on your spouse's coverage; it'll save money (since you're paying one sum as a "couple") and you'll have access to better care, theoretically (your spouse's plan's network is bigger). Some paperwork is filed. No ID card arrives, but you do get a letter with a somewhat unclear request for more information... and yet, the deductions are coming out of your spouse's paycheck. You figure you're covered one way or another. You both have plans through the same insurer, anyway; how different could they be, right? You do keep your old insurance, though, just in case — so much for saving money. But it doesn't cost that much, a small price to pay for peace of mind, and it's a direct deduction so you don't real-ly notice it anyway. You file the letter away and figure you'll respond to it in a while. Life continues apace.
You're on your way to visit some friends, sitting at a red light just off the interstate, when a criminal fleeing from the police comes screaming out of the alley and plows straight into the passenger side of your car. You're hit so hard that your sedan is pushed into oncoming traffic, where a car coming the other way catches your driver's side. You're both wearing seatbelts, and the car has airbags, but the second impact is enough to bonk your heads together. The police (who are, not coincidentally, on the scene immediately) radio for help, and you and your spouse are taken by ambulance to the nearest hospital to get checked out.
You find out ambulance rides aren't really exciting or fun; they’re actually kind of uncomfortable. (You thought ambulances would have better suspension than that.) You also find out that two people brought conscious into the emergency department for painful but mostly superficial injuries wind up waiting a very, very long time. Once you’re actually taken to a room, you find out that your spouse's skull broke one of the bones next to your eye. (In a passing moment of madness — you're kind of tired and loopy — you resolve to drink more milk.) Your spouse has a spectacular bruise that covers most of the left side of their face, but they’re otherwise by and large fine, at least physically. After about six hours, the hospital determines that you're pretty much okay (at least, you’re not going to die of "falling asleep with a concussion" overnight) and sends you home with a prescription for pain pills that are not nearly as much fun as you were hoping for. You sleep.
Come morning, you reassess. The doctor in the emergency department told you you should go and see your “Primary Care Provider” and get a referral to a surgeon who specializes in “orbital surgery”. You don't have a PCP, so they suggested you make an appointment to see your spouse's. You're not sure if your spouse's doctor is "in-network" for you or not... heck, you're not even sure what your network is. Which plan are you using, yours or your spouse's? Do you have a choice?
You make a call to your insurance company to determine whether you ever went on your spouse’s plan. (The answer is yes, except they were missing your social security number - an ID card is now in the mail.) The next question, you find out, is which insurance is "primary" - and it turns out it's your old, not-so-great insurance from your job. Because you are covered through that plan, you only have "secondary" coverage on your spouse's plan. That, in turn, means you're going to be required to see doctors in your plan's small network instead of your spouse's big one — a problem, since your intention was to go to the highly-ranked academic hospital where your spouse works, and that plan does not cover them. You'll have to pay your "out of network" deductible, as well as higher out-of-pocket costs, if you go there. Unless your car insurance will pay everything (they've offered a flat but fairly hefty chunk of change), or un-less the provision of your social security number somehow counts as a "Qualifying Life Event" to hop offthe insurance provided by your employer, AND they also somehow let you submit claims on it for an injury that happened while a different insurance was primary, you're going to have to go to a smaller hospital... maybe? Or perhaps you take your chances going to the hos-pital you trust and hope you don't wind up getting billed more than your car insurance will cover. You have no way of knowing up front what your treatment might cost, and you're not even sure you can find somebody in your network who you'd trust to do surgery (if it comes to that). It feels like an ever-extending gauntlet - you can't plan anything at all with any kind of care, because you don't know what treatment you'll need, or what anybody charges for it. But one wrong move and you could be out thousands and thousands of dollars.
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Now is the time to make sure your health insurance is in order. Not tomorrow. Not at your next open enrollment period in October. Not next year. Now. Take stock. Make sure your plan is right for you. Know where you can go.