Insurance Is Complicated.
Understanding It Shouldn’t Be.
Clear answers. Real-world examples. Help comparing your options from an insurance broker with 20 years of experience.
We’ll help you find the right fit.
✓ No pressure. Just answers.
♡ Doug Shulkin · Insurance Broker · 20 Years of Experience
WE CAN HELP
What Do You Need Help With?
Insurance can be confusing. We make it simple and help you find the right coverage for your life and your budget.
Health Insurance
Find coverage that fits your needs and budget. We’ll help you understand your options.
Learn more →Supplemental Coverage
Help pay for the unexpected so you don’t have to pay everything out of pocket.
Learn more →LEARN BEFORE YOU CHOOSE
Understand Your Insurance Before You Buy It.
Plain-English guides, real-world examples, and answers to the questions people usually discover too late.
Health Insurance Basics
Deductibles, copays, networks, and what your plan actually pays.
Medicare Made Simple
Parts A, B, C, and D without the alphabet soup.
Coverage Gaps & Blind Spots
The expenses your main health plan may leave behind.
WHAT MOST PEOPLE MISS
The Most Expensive Insurance Problems Are Often the Ones You Never Saw Coming.
A policy can look good on paper and still leave important gaps. Here are a few things worth understanding before they become expensive surprises.
Your deductible resets every year.
Money you already paid toward this year’s deductible usually does not carry into the next.
Your health plan pays medical bills, not your household bills.
Rent, groceries, utilities, and lost income can continue while you recover.
Dental, vision, and hearing may not be included.
Many people assume these benefits are part of their health coverage and discover later that they are separate.
INSURANCE REALITY CHECK
The Insurance Questions Nobody Thinks About Until Something Goes Wrong.
Short, plain-English reality checks that show how coverage works in real life, before you have to learn the hard way.
Episode 01
Your Health Plan Pays the Hospital. Who Pays You?
Episode 02
Who Pays Your Bills While You Recover?
PERSONAL HELP, WITHOUT THE PRESSURE
When You’re Ready, You Don’t Have to Figure It Out Alone.
Learn on your own for as long as you want. If you decide you want personal help, Doug can walk through your situation, explain the options in plain English, and help you compare what makes sense for you.
Tell Me What You Need
Start with your questions, concerns, or the coverage you’re trying to understand.
Compare Your Options
I do the shopping and help you understand the differences, costs, and tradeoffs.
Choose With Confidence
You make the decision. I help make sure you understand what you’re choosing.
No pressure. No obligation. Just help understanding your options.
MEET DOUG
Insurance Help From a Real Person Who’s Been Doing This for More Than 20 Years.
I’m Doug Shulkin, an insurance broker with 20 years of experience helping people understand coverage that can often feel unnecessarily complicated.
I created Learn Insurance Made Simple because too many people are expected to make important insurance decisions without anyone clearly explaining how the coverage works in real life.
My approach is simple: explain first, answer questions honestly, compare options when you want help, and let you make the decision.
- 20+ years of insurance experience
- Health, Medicare, supplemental, dental, vision, and life insurance
- Licensed in TN, MI, TX, FL, and NC
- Personal help by phone or online
READY WHEN YOU ARE
You Don’t Have to Become an Insurance Expert. You Just Need to Understand Your Options.
Whether you have one question or want help comparing coverage, start with a conversation. No pressure. Just clear answers.
Prefer to talk? Call (615) 339-3919
COMMON QUESTIONS
Questions Worth Asking Before You Choose
Straightforward answers, no jargon. If you don’t see your question here, just ask.
What does a Coverage Clarity Review actually involve?
A relaxed, no-pressure conversation where we look at what you have, what’s missing, and what fits your life right now.
Is there any cost or obligation?
No. The review is free, and you’re never obligated to buy anything.
Do you only sell one company’s plans?
No. I shop across multiple carriers to find what actually fits your situation, not just one company’s product line.
What if I already have coverage?
Even better. We’ll review what you have and make sure there aren’t gaps you don’t know about.
How long does an appointment take?
Usually about an hour, by phone or Google Meet, whichever’s easier for you.