--- title: Veritas Risk Management & Insurance Services Blog | Andrew Darlington (8) description: Andrew, the agency owner, has been a licensed insurance agent since 1997. He started Veritas Risk Management in October of 2009 and has experienced agency growth each year since. Andrew graduated from King University and lives in Johnson City with his wife and 6 children. Andrew’s hobbies include playing basketball, cheering for the Vols, church events and taking part in his children’s activities. 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He started Veritas Risk Management in October of 2009 and has experienced agency growth each year since. Andrew graduated from King University and lives in Johnson City with his wife and 6 children. Andrew’s hobbies include playing basketball, cheering for the Vols, church events and taking part in his children’s activities. [![](https://education.veritasrm.com/hs-fs/hubfs/Red%20Office%20Folder%20with%20Inscription%20Health%20Insurance%20on%20Office%20Desktop%20with%20Office%20Supplies%20and%20Modern%20Laptop.%20Business%20Concept%20on%20Blurred%20Background.%20Toned%20Image..jpeg?width=1000&height=750&name=Red%20Office%20Folder%20with%20Inscription%20Health%20Insurance%20on%20Office%20Desktop%20with%20Office%20Supplies%20and%20Modern%20Laptop.%20Business%20Concept%20on%20Blurred%20Background.%20Toned%20Image..jpeg)](https://education.veritasrm.com/what-is-a-health-insurance-deductible) 3 min read #### [What is a Health Insurance Deductible?](https://education.veritasrm.com/what-is-a-health-insurance-deductible) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): August 28, 2024 at 10:53 AM DEDUCTIBLE [Health Insurance](https://education.veritasrm.com/tag/health-insurance) [![](https://education.veritasrm.com/hs-fs/hubfs/Financial%20adviser%20showing%20terms%20of%20contract%20on%20tablet.jpeg?width=1000&height=667&name=Financial%20adviser%20showing%20terms%20of%20contract%20on%20tablet.jpeg)](https://education.veritasrm.com/what-is-a-co-insurance-for-health-insurance) 1 min read #### [What is a Co-Insurance for Health Insurance?](https://education.veritasrm.com/what-is-a-co-insurance-for-health-insurance) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): August 26, 2024 at 10:50 AM Co-insurance is the percentage split that you have with the health insurance company. Generally, after you hit a deductible, then there's gonna be a... [Health Insurance](https://education.veritasrm.com/tag/health-insurance) [![](https://education.veritasrm.com/hs-fs/hubfs/Unposed%20group%20of%20creative%20business%20people%20in%20an%20open%20concept%20office%20brainstorming%20their%20next%20project..jpeg?width=1000&height=667&name=Unposed%20group%20of%20creative%20business%20people%20in%20an%20open%20concept%20office%20brainstorming%20their%20next%20project..jpeg)](https://education.veritasrm.com/control-premium-audits-to-eliminate-overcharges) 2 min read #### [Controlling Premium Audits to Eliminate Overcharges](https://education.veritasrm.com/control-premium-audits-to-eliminate-overcharges) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): August 26, 2024 at 10:45 AM Due to the volume of requests they receive, insurance companies have developed a very efficient premium audit process. While they strive to be as... [Business Insights](https://education.veritasrm.com/tag/business-insights) [![](https://education.veritasrm.com/hs-fs/hubfs/Doctor%20stretching%20a%20young%20woman%20arm%20in%20medical%20office.jpeg?width=1000&height=667&name=Doctor%20stretching%20a%20young%20woman%20arm%20in%20medical%20office.jpeg)](https://education.veritasrm.com/waddells-signs) 2 min read #### [Waddell’s Signs](https://education.veritasrm.com/waddells-signs) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): August 24, 2024 at 10:44 AM Waddell’s Signs and Workers’ Compensation Claims [Business Insights](https://education.veritasrm.com/tag/business-insights) [Workers' Compensation](https://education.veritasrm.com/tag/workers-compensation) [![](https://education.veritasrm.com/hs-fs/hubfs/Medical%20team%20at%20the%20hospital%20looking%20very%20happy.jpeg?width=1000&height=667&name=Medical%20team%20at%20the%20hospital%20looking%20very%20happy.jpeg)](https://education.veritasrm.com/choosing-a-medical-provider-for-workers-comp) 3 min read #### [Choosing a Medical Provider for Workers’ Comp](https://education.veritasrm.com/choosing-a-medical-provider-for-workers-comp) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): August 21, 2024 at 10:43 AM Considerations for Choosing a Medical Provider for Workers’ Compensation Injuries [Business Insights](https://education.veritasrm.com/tag/business-insights) [Workers' Compensation](https://education.veritasrm.com/tag/workers-compensation) [![](https://education.veritasrm.com/hs-fs/hubfs/Closeup%20portrait%20of%20health%20care%20professional%2c%20dr%20or%20md%20with%20stethoscope%20pointing%20to%20sign%20that%20says%20healthcare%20reform%20now%3F%3F%3F%2c%20isolated%20on%20white%20background.jpeg?width=1000&height=585&name=Closeup%20portrait%20of%20health%20care%20professional%2c%20dr%20or%20md%20with%20stethoscope%20pointing%20to%20sign%20that%20says%20healthcare%20reform%20now%3F%3F%3F%2c%20isolated%20on%20white%20background.jpeg)](https://education.veritasrm.com/what-is-a-health-insurance-maximum-out-of-pocket-amount) #### [What is a Health Insurance Maximum Out-of-Pocket Amount?](https://education.veritasrm.com/what-is-a-health-insurance-maximum-out-of-pocket-amount) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): August 19, 2024 at 10:42 AM Maximum Out-of-Pocket [Workers' Compensation](https://education.veritasrm.com/tag/workers-compensation) [Health Insurance](https://education.veritasrm.com/tag/health-insurance) [![](https://education.veritasrm.com/hs-fs/hubfs/Claims%20-%20Ring%20Binder%20on%20Office%20Desktop%20with%20Office%20Supplies.%20Business%20Concept%20on%20Blurred%20Background.%20Toned%20Illustration..jpeg?width=1000&height=667&name=Claims%20-%20Ring%20Binder%20on%20Office%20Desktop%20with%20Office%20Supplies.%20Business%20Concept%20on%20Blurred%20Background.%20Toned%20Illustration..jpeg)](https://education.veritasrm.com/how-opioid-use-affects-workers-compensation) 1 min read #### [How Opioid Use Affects Workers’ Compensation](https://education.veritasrm.com/how-opioid-use-affects-workers-compensation) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): August 17, 2024 at 10:39 AM Prescription opioids are the number one workers’ compensation problem in terms of controlling the ultimate cost of indemnity losses. This comes from... [Workers' Compensation](https://education.veritasrm.com/tag/workers-compensation) [![](https://education.veritasrm.com/hs-fs/hubfs/pexels-fauxels-3184429.jpg?width=6000&height=4000&name=pexels-fauxels-3184429.jpg)](https://education.veritasrm.com/workplace-wellness-programs) 1 min read #### [Workplace Wellness Programs](https://education.veritasrm.com/workplace-wellness-programs) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): August 13, 2024 at 10:38 AM Workplace Wellness Programs to Reduce Workers’ Compensation Costs [Business Insights](https://education.veritasrm.com/tag/business-insights) [![](https://education.veritasrm.com/hs-fs/hubfs/Image%20of%20businessmans%20hands%20holding%20microphone%20at%20conference.jpeg?width=1000&height=667&name=Image%20of%20businessmans%20hands%20holding%20microphone%20at%20conference.jpeg)](https://education.veritasrm.com/changes-to-nccis-primary-excess-split-point) 2 min read #### [Changes to NCCI’s Primary-excess Split Point](https://education.veritasrm.com/changes-to-nccis-primary-excess-split-point) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): August 10, 2024 at 10:37 AM In 2011, the National Council on Compensation Insurance (NCCI) proposed a change to the experience rating plan to increase the primary-excess split... [Business Insights](https://education.veritasrm.com/tag/business-insights) [![](https://education.veritasrm.com/hs-fs/hubfs/Simplifying%20Large%20Group%20Health%20Insurance%20in%20Tennessee.png?width=675&height=675&name=Simplifying%20Large%20Group%20Health%20Insurance%20in%20Tennessee.png)](https://education.veritasrm.com/large-group-health-insurance-in-tennessee) 2 min read #### [Large Group Health Insurance in Tennessee](https://education.veritasrm.com/large-group-health-insurance-in-tennessee) ![Picture of Andrew Darlington](https://education.veritasrm.com/hs-fs/hubfs/DarlingtonFace.jpg?width=30&name=DarlingtonFace.jpg) [Andrew Darlington](https://education.veritasrm.com/author/andrew-darlington): August 9, 2024 at 10:52 AM Large businesses in Tennessee can use large group health plans to give their employees complete health coverage. These plans are appealing because... [Health Insurance](https://education.veritasrm.com/tag/health-insurance) [Group Health Insurance](https://education.veritasrm.com/tag/group-health-insurance) [Prev](https://education.veritasrm.com/author/andrew-darlington/page/7) [6](https://education.veritasrm.com/author/andrew-darlington/page/6) [7](https://education.veritasrm.com/author/andrew-darlington/page/7) [8](https://education.veritasrm.com/author/andrew-darlington/page/8) [9](https://education.veritasrm.com/author/andrew-darlington/page/9) [10](https://education.veritasrm.com/author/andrew-darlington/page/10) [Next](https://education.veritasrm.com/author/andrew-darlington/page/9) ##### Site Navigation Site Navigation - [Home](https://veritasrm.com) - [Personal](https://veritasrm.com/personal/) - [Business](https://veritasrm.com/insure-your-business/business-insurance/) - [About us](https://veritasrm.com/meet-our-team/) - [Contact us](https://veritasrm.com/contact-us/) - [Blog](https://veritasrm.com/blog/) - [Service Center](https://veritasrm.com/service-center/) ##### Contact Contact - [4451 North Roan Street Suite #201](https://www.google.com/maps/place/Veritas+Risk+Management+and+Insurance+Services/@36.3843639,-82.4100702,15z/data=!4m14!1m7!3m6!1s0x885a881f771d2425:0xf3c063745e16f772!2sVeritas+Risk+Management+and+Insurance+Services!8m2!3d36.3842735!4d-82.4097824!16s%2Fg%2F1thd7db4!3m5!1s0x885a881f771d2425:0xf3c063745e16f772!8m2!3d36.3842735!4d-82.4097824!16s%2Fg%2F1thd7db4) - [Johnson City, TN 37615](https://www.google.com/maps/place/4451+N+Roan+St+%23201,+Johnson+City,+TN+37615/@36.38462,-82.4098307,17z/data=!3m1!4b1!4m6!3m5!1s0x885a8815fdb65d9d:0xf09c719d3519939!8m2!3d36.38462!4d-82.4098307!16s%2Fg%2F11n_yvqhzc) - [(423) 292-4142](tel:423-292-4142) - [help@VeritasRM.com](mailto:help@VeritasRM.com) - [Monday - Friday 8:30a - 5:00p](https://Veritasrm.com) - [Career Opportunities](https://veritasrm.com/career-opportunities/) [![Screenshot\_2022-07-27\_161347-removebg-preview](https://education.veritasrm.com/hubfs/Screenshot_2022-07-27_161347-removebg-preview.png)](https://veritasrm.com/) © 2026 All Rights Reserved ©2022 Veritas Risk Management & Insurance Services [*Facebook*](https://www.facebook.com/veritasrm/)[*Twitter*](https://twitter.com/veritas_ins)[*Instagram*](https://www.instagram.com/veritasriskmanagement/?hl=en)[*LinkedIn*](https://www.linkedin.com/company/veritasrm)[*YouTube*](https://www.youtube.com/c/VeritasRiskManagementIncJohnsonCity) *Return to Top*