Medical Discount Program

McManamon Insurance Newsletter • Cleveland, Ohio


Volume 1, Issue 1 Newsletter Date August 2004
1991 CROCKER RD, STE. 215

Tracy McManamon to Head Employee Benefits Department

We are very pleased to announce that we have expanded our services now available to our existing clients and friends. Tracy McManamon has joined our firm after serving as Senior Vice President with Acordia, one of the largest insurance brokerages in the world, and will now lead our employee health and welfare practice. Tracy is the second youngest of Tom's five brothers and he and his wife Amy have four daughters Sarah 18, Catherine 9, Elizabeth 6 and Madalen 2.

Tracy has over 16 years of experience in all phases of employee benefits including:

  • Life, Long-Term Care, Disability, Dental & Vision
  • Fully insured & Self insured health programs
  • Flexible Spending Accounts (FSA's)
  • Health Care Savings Accounts (HSA's)
  • Health Reimbursement Accounts (HRA's)
  • Cafeteria accounts and voluntary benefits programs.

Programs are available for both individuals and groups as well as local and national clients. Tracy has access to all the major carriers competing in this ever-changing world of employee benefits.

If you would like to schedule a free consultation to discuss with Tracy ways to save on your current benefits package contact please call Tracy at 440-892-8308 ext. 16 or e-mail him

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Long-Term Care, What is it and Who needs It?

As the population ages, more of us are facing the thought of how to pay for nursing home or other long-term care for ourselves or a family member. It is important for consumers to know that Medicare, Medicare supplement insurance and the major medical health insurance you have at work usually will not pay for long-term care. Many families use their own funds to pay for this care or must rely on Medicaid. Long-term care insurance allows you to protect some of your assets, pay for your own care and be independent from the support of others. However, long-term care isn't for everyone. You shouldn't buy it if you can't afford the premiums, if you have limited assets, if your only source of income is Social Security, or if you have trouble paying for basic needs such as utilities, food or medicine. To see if long-term care insurance would be right for you and your family contact Tracy or Tom at 440.892.8308.

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Disasters & Fraud - Don't be a Victim Twice

How many times do you need to be a victim? First you have an auto accident, storm damage or maybe a fire and then the stress of putting things back in order. What you do not need is to be taken advantage of by shady auto repair companies or dishonest contractors who show up offering a deal too good to be true. The National Insurance Crime Bureau (NIBC) suggests that the best way to avoid being a victim after your disaster is to educate yourself. Please review the following checklist before accepting any services:

  • Obtain more than one estimate-don't be talked into signing a contract immediately.
  • Get everything in writing-repairs to be done, time, cost, payment schedule.
  • Demand references-call and verify them.
  • Obtain identification from the salesperson
  • Never contracts that contain blank spaces
  • Never pay in full or sign a completion release until the work is completed to your satisfaction
  • Consult with your insurance adjustor or McManamon Insurance if you feel uncomfortable with a contractor.
  • Don't be tempted to conspire in an insurance claim - Insurance Fraud is a Felony.

Consult with McManamon Insurance if you feel uncomfortable with a contractor.

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How to Prevent Road Rage

Don't Offend other Parties:

  • Merging - Make sure you have plenty of room, use your turn signals, and give a wave of "thanks" to those who you let you in
  • If you are in the fast lane (the left hand lane) and someone wants to pass you, move over and let him or her. The left lane should be used for passing only.
  • Tailgating - We all often get upset when we are being followed too closely. Allow at least a four to five second following distance between your car and the car ahead.

Don't Engage:

  • Steer clear - Give aggressive drivers plenty of room. Do not under any circumstances pull off to the side of the road to try and settle things.

Adjust Your Attitude:

  • Forget winning - Driving is not a game and should be handled calmly and responsibly.
  • Put yourself in the other driver's shoes. We all have had bad days so just keep your cool and let it go.

Road Rage has become a very large problem and together we can start to make a difference.

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1991 Crocker Road, Ste. 215
Westlake, OH 44145
Phone: 440.892.8308
Fax: 44.892.8307

© Copyright 2004 Thomas F. McManamon. All rights reserved.
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