April Clark Health Insurance Agent

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If you're frustrated with insurance right now, I get it. Many people are looking for alternatives.

But be careful. There's a new plan using CignaPPO that sounds great until you read the fine print. Zero coverage for hospitalization, surgery, or emergency room visits. Zero.

That's not good health insurance coverage. That's a disaster waiting to happen.

Before you switch, make sure you understand what's being covered. Not all plans are created equal, and some are straight-up traps designed to look affordable until you truly need them.

I'll review your current coverage or any plan you're considering for free. Five minutes could save you from a massive mistake.

Changing your laundry habits won't make you rich. But it might be an easy way to save a few bucks a month on detergent -- or hundreds of dollars in machine repairs.

5 Laundry Habits That Are Costing You Money You might be flushing money down the drain if you have any of these laundry habits.

Clark Health Insurance is closed today as we reflect on the lives lost in service to our country.
Thank you for taking a moment with us to honor them.
If you want to get started please visit our website and fill out the form in our contact us section and we will get back to you as soon as possible.
We’ll reopen on Tuesday.

You want to know something outrageous that I see happen way too often to educators? Adding your spouse to your teacher insurance can increase costs by $700 to $1,000 every month.

For one person.

Most teachers don't realize their spouse can get a separate plan that costs them much less and offers better coverage. You stay on the district plan, your spouse gets their own, and you stop wasting money you could be saving every month.

If you're paying family rates just to cover you and your spouse, you're almost definitely overpaying.

Let me run the numbers and show you what you could be saving.

A serious diagnosis adds a host of new challenges to someone's life. One of those is talking about it. Here's what to say when a loved one receives a diagnosis.

What to say to someone with cancer Breadcrumb Home Simms Mann What to say to someone with cancer Simple, genuine responses are best, says UCLA Health clinical psychologist Dr. Valentina Ogaryan. January 7, 2026 By Sandy Cohen, Senior Writer 4 min read When someone you care about says they have cancer, you probably want to say just th...

It shouldn't. In today's healthcare environment, you have to learn how advocate for yourself -- and getting another opinion is sometimes part of that advocacy.

Will getting a second opinion upset your doctor? Plus: Will your insurance cover a second opinion?

Being healthy can cut your health insurance costs in half.

It’s the same way good drivers pay less for car insurance. If you're low-risk to the insurance company, you can qualify for significantly better rates.

Most people have no idea this is even possible. They assume everyone pays the same price for the same plan. Not even close.

The key is understanding how underwriting works and timing your application strategically. You don't need a perfect health record to qualify for better rates; you just need the right approach.

Want to see what rates you can qualify for? Let's find out.

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