COGDELL INSURANCE AGENCY

Cogdell Insurance Agency Cogdell Rental Homes Cogdell Farms Cogdell Ancestors
Bobby Cogdell Family Bobby Cogdell, Alderman John H. Cogdell Scholarship Cogdell Cemetery

Home

Cogdell Insurance Agency
41 North Main
Lexington, TN  38351
Phone:  731-968-4300  
Fax:  731-968-4001

     At Cogdell Insurance Agency, we offer health and life insurance designed to meet your needs.  We only represent major insurance companies with proven records and stability.  We are an authorized agent for BlueCross BlueShield of Tennessee and for Assurant Health/Time Insurance Company.  Examples of products we offer:
Assurant Health- Personal Health Coverage
About Assurant Heatlh
       Assurant Health has been in business since 1892 and is the brand name for products underwritten and issued by Time Insurance Company, John Alden/Life Insurance Company and Union Security Insurance Company.  Together, these three underwriting companies provide health insurance coverage for more than one million people nationwide.  Each underwriting company is financially responsible for its own insurance products.  Primary products include individual medical, small group, short-term and student health insurance products, consumer-choice products such as Health Savings Accounts and Health Reimbursement Arrangements, as well as non-insurance products.  With almost 3,000 employees, Assurant Health is headquartered in Milwaukee, Wisconsin, and has operations offices in Minnesota, Idaho and Florida, as well as sales offices across the country.  The Assurant Health Web site is www.assuranthealth.com.   
To apply online for personal health coverage, simply click the following links that best suit your needs:
Student Insurance Individual Health Short-term Health Coverage
Additional Short-Term Protection
We offer short term insurance to fit your needs.  Our plans offer coverage for Short Term Medical from up to 12 months of coverage, You can apply for three consecutive 12 month coverage periods, up to a maximum of 36 months in all. Eligibility up to age 65.  To apply online for short-term coverage, click the links below:
 

Secure 12X3 STM
(Standard Security Life Insurance Company)

Golden Rule
(A United Healthcare Company)

   
Overseas Travel Medical Protection
In addition, we also offer Overseas Travel Medical coverage thru American Consumer Insurance Trust. This plan provides comprehensive short term medical protection for individuals traveling outside of their home country.  To apply online for our Overseas Travel Plan, click here.

 
Medicare Supplement Plans- Ages 65 and older

For people ages 65 and older, our agency sells Medicare Supplement plans A through J.  The most popular plan is Plan C, which pays Medicare part A & B deductibles and coinsurance.

An example of Plan C benefits is as follows:

Medicare (Part A)- Hospital Services- Per Benefit Period
Services Medicare Pays Plan Pays You Pay
HOSPITALIZATION*
Semi-private room and board, general nursing and miscellaneous services and supplies
     
First 60 days All but $876/benefit period* $876 $0
61st through 90th day All but $219 a day $219/day $0
91st day and after:
While using 60 lifetime reserve days
All but $438 a day $438/day $0
Once lifetime reserve days are used- Additional 365 days $0 100% of Medicare eligible expenses $0
Beyond the additional 365 days $0 $0 All costs
SKILLED NURSING FACILITY CARE*
You must meet Mecicare's requirements, including having been in a hospital for at least 3 days and entered a Medicare-Approved facility within 30 days after leaving the hospital
     
First 20 days All approved amounts $0 $0
21st through 100th day All but $109.50 a day Up to $109.50 a day $0
101st day and after $0 $0 All costs
BLOOD      
First three pints $0 3 pints $0
Additional amounts 100% $0 $0
HOSPICE CARE
Available as long as your doctor certifies you are terminally ill and you elect to receive these services
All but very limited coinsurance for outpatient drugs and inpatient respite care $0 Balance
* A benefit period begins on the first day you receive services as an inpatient in a hospital and ends after you have been out of the hospital and have not received skilled care in any other facility for 60 days in a row.
 
Additional Types of Coverage Offered
 
We also offer the new Health Savings Account which recently became available.  Health Savings Accounts are a unique way to cover medical expenses and provide excellent tax and retirement benefits as well.
 

Group insurance rates are available for small groups with as few as 2 employees.  We offer free, no-hassle quotes on group health insurance.  Our rates are among the best in the State!

If you are in the market for life insurance,  we offer both whole life and term life insurance.  Whole life insurance provides you with a level premium and a level benefit amount for life.  term life insurance offers guaranteed protection for a specified amount of time.  Our best rate for 20 year level term for a 40 year old male, non-smoker is $17.85/month for $200,000 of life insurance!  For a 40 year old female, non-smoker, the rate is just $16.13/month for $200,000 life insurance!  20-year level term means that for the next 20 years after you take the policy out, your rates will never increase and your benefit level will not decrease.

Stop by, call or email us today for more information on any of our available services. 

History of Cogdell Insurance Agency

     Mr. Cogdell entered the Life and Health Insurance business in December, 1963, after successfully completing an insurance course at The University of Tennessee Extension School in Memphis.  At that time, state law required a person to be of the minimum age of 21 to obtain an insurance license.  Mr. Cogdell petitioned the Courts and on December 10, 1963, the Honorable Judge Andrew Tip Taylor granted his request to remove his minority age and be declared an adult at age 18 so he could get his insurance license.  From 1963 to 1985, he was employed by National American and Life of Georgia Insurance Company.

     In July of 1985 he started his own agency, Cogdell Insurance Agency.  Having dedicated himself to providing the best service possible to his clients, the agency has grown every year to become one of the area's largest life-health agencies.

     The Cogdell Insurance Agency provides Medicare supplements, Group Hospital, Life and Dental, Individual, Family, or Children only Health Insurance Plans that include a wide choice of co-pay plans, Life Insurance Annuities, and Short-term Main Medical Insurance.

     The Agency only represents proven, established insurance companies.  Their motto is "Service is Our Policy".  For more information on any of the services offered by Cogdell Insurance Agency, please contact Mr. Cogdell at 731-968-4300 or bobbycogdell@charter.net

**