Craig-Howard Insurance

This week, we had the pleasure of celebrating 30 incredible years of Craig-Howard Insurance, as well as the reveal of our official sign. A huge thank-you to the Meridian Chamber of Commerce for coming out and supporting us.

At some point, you stop seeing your father as just your dad. You start seeing the person he was before you, and all that he brought with him the day you arrived.

Fatherhood moves in both directions. A son grows up and becomes a father, and somewhere in that becoming, he understands what his own father could never explain.

A daughter carries her father into rooms he'll never enter, wrapped in his courage and character. And through all of it, the child is guiding the father just as much as the father is guiding the child.

It's less a role than it is a lifelong conversation. One that starts before we're old enough to speak and echoes long after the house goes quiet.

To every father out there: the work you're doing matters more than you know, and it will outlast you in the best possible way.

Happy Father's Day.

June feels like a gentle reminder to slow down and enjoy the little things. 🌿☀️

Warm days, quiet moments, and time spent outside somehow make life feel lighter.

What do you love most about summer? 💛

On June 14 in 1777, the Continental Congress adopted the design of the first American flag — 13 stars, 13 stripes, and the birth of an enduring symbol of freedom and nationhood.

Today we celebrate 249 years of the Stars & Stripes: through wars and peace, triumph and hardship, the flag has flown as a constant reminder of what unites us.

That promise — freedom, dignity, and opportunity — was crafted for all of us. Every American is woven into the fabric of this nation just as surely as every star is sewn into our flag.

When we look at the Stars & Stripes, we're reminded that our strength doesn't come from sameness, it comes from unity, even in the face of differences. Fifty different states. Countless different stories. One flag that flies over all of them.

Flag Day is a wonderful reminder of the ideals the American flag represents. It is a declaration that America is made up of different pieces that are sewn together into a beautiful entity, and that liberty, justice, and opportunity belong to every single American.

Most people think of an HSA as just a way to pay for doctor visits. It's actually a lot more than that.

If you have a high-deductible health plan and you're not contributing to a Health Savings Account, here's what you're missing:

1️⃣ Your contributions reduce your taxable income.
2️⃣ The money grows tax-free.
3️⃣ When you spend it on qualified medical expenses, the withdrawals are tax-free, too.

No other account in the tax code does all three of those things at once.

But here's the part most people overlook... The money never expires. It rolls over every year, you keep it when you change jobs, and you can invest it. If you're relatively healthy right now, you can let that balance grow for decades... tax free. It is a health savings account AND a long-term financial planning tool.

If your health plan is HSA-eligible and you're not contributing, you're paying more in taxes than you have to. That's worth fixing.

🏥 ER, Urgent Care, or Your Doctor? Here's a Quick Cheat Sheet

When something unexpected happens, knowing where to go can save you time, money, and stress. A quick guide:

🚨 Go to the ER for: Chest pain, stroke symptoms, major trauma, uncontrolled bleeding, difficulty breathing, or anything that feels severe or unusual. When in doubt, call 911.

⚕️ Choose urgent care for: Minor injuries, sprains, mild infections, sore throats, ear pain, rashes, low-grade fevers, or anything that can't wait for a regular appointment but isn't an emergency.

💻 Try telehealth for: Mild symptoms, prescription refills, or quick consultations. Many insurance plans include it as a covered benefit.

👩‍⚕️ Call your primary doctor for: Chronic conditions, ongoing care, preventive visits, or anything that can wait a day or two. Many offices keep same-day sick slots open.

Pro tip: ER visits average $1,200–$3,000+, while urgent care visits typically run $100–$250 for the same kind of non-emergency issue. Choosing the right "door" can make a big difference.

Have questions about what your plan covers? Drop us a message. 💬

Big news for Medicare Part D members 💊

Starting July 1, 2026, a new pilot program called the Medicare GLP-1 Bridge may make certain weight loss medications more affordable for eligible beneficiaries.

Here are the highlights:
🔷 Covered medications currently include Wegovy, Zepbound (KwikPen formulation), and Foundayo
🔷 Eligible members would pay a flat $50 monthly copay, compared to typical retail prices that can exceed $1,000
🔷 Eligibility is based on BMI plus related health conditions
🔷 Prior authorization from a doctor is required
🔷 The program runs through December 31, 2027

This is one of the most significant Medicare drug coverage changes in years. If you've ever wondered whether GLP-1 medications might fit your health picture, this is worth a closer look.