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Summer Safety Tips

Monday, March 2nd, 2009

Health Insurance is an essential part of keeping healthy this summer.  Read on to find some more summer safety concerns:

 Heat Exhaustion and Dehydration are majoe concerns during the summer month.  you should take certain precautions to make sure you stay well hydrated and do not become overheated.

This is especially important for the elderly since they have a difficult time regulating their body temperatures. They often do not even realize they are overheating, due to blood thinning medications.

Another thing to consider is sun. They sun can be very damaging to us. Sunburns can be very painful and uncomfortable. And worst of all 1/5 people will have skin cancer in their life time.

Be sure to use sunscreen if you plan to be outside for a long time. Wear protective clothing such as hats and cover with clothing. Be sure to do the same for small children that can not do this for themselves.

In the summer we love to be around the water. Be sure to use water safety. Never swim alone. If you are not a good swimmer and with young children be sure to use life jackets. Always in the boat no matter your age, use a life jacket.

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New Mental Illness law

Monday, February 23rd, 2009

New health insurance law to take action January 2010.   The Paul Wellstone and Pete Domenici Mental Health Parity and Addiction Equity Act of 2008 says that health insurance companies must implememt the same benefits for mental illness and substance abuse as they do for any other illness.

Not all health insurance policy holders will benefit from this new law. there are limitations set forth. the law will only effect those with insurance that have more than 50 participants in it’s group. So if you have small group or individual insurance you will not benefit.

I would not expect any immediate changes for all policy holders, but I do believe that consumers will push for changes to match the law in all plans. I don’t think we would see the same changes, but possibly mental illness and substance abuse benefits that are a little more useable.

Since health insurance is consumer driven I would expect to see a carrier make some changes in the way of these benefits and in return see a trickle down effect happen. If one carrier makes some significant changes you can expect others to follow suit. It is a marketable selling point they will not ignore.

Many believe that the healthcare system is in need of much change. So this law is one very positive step in the right direction. It is a huge success for many lobbyist that believe much change is needed. I would expect to see many changes in the years to come.

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Here comes Spring!

Monday, February 9th, 2009

Blooming flowers and green green grass are coming soon.  The fresh breezes will be arriving before we know it.  And with the breezes in comes the allergies too.  Itchy watery eyes, sneezing, sinus problems and headaches are all part of spring for so many.Hay fever is the most common spring allergy.  Ragweed, pollen and grass are all common spring allergens as well.  Some people suffer from other non seasonal allergies also.  Food allergies, per allergies and allergies to dust can happen all year.

Many people develop allergies later in life.  They may have gone many years with no signs of allergies and suddenly develop them.  They can start at any age, from toddler to senior citizen.  Allergies do not discriminate.

There are many prescription and over the counter medications that can help relieve allergy symptoms.  If you suffer from allergies you should seek out the advice and treatment recommendation of your medical provider.  For an affordable health insurance plan we can help

Monday, January 19th, 2009

Prevention of the common cold depends on many factors; hygiene & habits for the most part.  If you catch a cold and symptoms are servere it is a good idea to see your provider on your health insurance plan

Children’s colds are usually viral, and passed around by not keeping hands away from their faces. There are more than 200 viruses that cause the common cold. Because there are so many different viruses that can cause the common cold their bodies never have a chance to build up immunity.

This is why colds are a reoccurring problem in children. Children grades PreK-5th grade can have three to 12 colds per year while teenagers and adults typically have two to four colds per year. The common cold is the most common illness in the world, and it is the main reason for doctor visits and missed days from school and work.

The common cold symptoms include stuffiness of the nasal passages or drainage, sore or scratchy throat, sneezing, , cough, and in some cases fever. Sometimes you feel achy and overly tired. The cold symptoms usually last about three to ten days. With lots of rest and fluid you can sometime shorten the duration of the common cold.

Cold viruses are usually passed on by direct hand-to-hand contact with infected secretions or from contaminated surfaces. If a person with a cold virus coughs and covers their mouth with their hand, or touches their nose and then touches someone, or something else, then someone touches them or the object touched they can become infected with the virus. A cold virus can live on objects such as pens, books, telephones, computer keyboards, and coffee cups for several hours and can spread to others after contact with these objects.

Is Short Term Health Insurance a good option?

Thursday, January 15th, 2009

Has someone told you about the Short Term health Insurance that might meet your needs? Are you wandering if it will? Well Short Term Medical Insurance does meet the needs of many consumers and we will discuss who should purchase this type of insurance here.

If an individual is in the middle of an insurance gap (loss of coverage for a short time) then short term is an ideal solution. If you are facing a short loss of insurance you do not want to go uninsured so consider this option. This option can save you tons and give you peace of mind.

Are you wandering if they are worth the trouble? Maybe they are too hard to get? Well they are not. Eligibility is usually just a few short questions. If you are currently pregnant, have been declined coverage or have had a major illness such as heart problems in the past few years you most likely will not qualify.

Are you asking will it provide enough coverage? These are very good plans that cover most expenses. Of course most are subject to a deductible. But, do the math. Say you have pneumonia, you spend 3 days in the hospital with a total bill of $15,000. So what if you have a $3000 deductible, would you rather pay it all?

Benefits for short term health plans vary from state to state and carrier to carrier. But, lets look at some basic and common benefits you can expect to see. These are only a sampling.

How about in & out patient physician services. You can expect to see a negotiated rate if the physician, surgeon, anesthetist are in net work. I doubt you want to risk having to pay for these services out of pocket.

X-ray and labs are typically covered. It does not usually cover preventative screening, but if things such as a mammogram or pap test are done for diagnosis they should be covered. However, they sometimes require a referral by a physician.

Some other professional Services they can cover is treatment for disease, physiotherapy, medical emergency, radiation and chemo, anesthesiology and out patient physicals. Hospital Services, Ambulance services, medical equipment, prescriptions and mental health services are some other typical services that are covered.

What is Temporary Health Insurance?

Monday, January 12th, 2009

Temporary health insurance often referred to as short-term health insurance. is exactly what the words suggest, insurance that you purchase for a short period of time. Most plans allow you to choose how many days or a general length of the term. The terms typically run from 30 days to a year.

Most of the plans will cover you in the event that an unexpected illness or accidents occurs after you have met a deductible amount. It is the best option for those individuals that will lose health insurance coverage temporarily, like if you are between jobs.

The method behind temporary health insurance is to cover major medical, hospital and surgical expenses. for a covered accident or illness. They most often cover things like, daily hospital room charges surgical services and of course sedation. It’s main coverage is geared towards in and outpatient services.

You would not expect temporary health insurance to have basic service co pays. So office visits and prescriptions you can expect to pay out of pocket . Pre existing conditions are not covered as well. Another service not covered is an annual physical.

These type of plans are an affordable alternative for expensive Cobra plans. Many times consumers will purchase a temporary plan to cover the gap between the termination of an old plan and approval of a new individual plan. Temporary health insurance also tends to be practical of college students.

With Short Term health insurance some rates are based on a per day rate, some on a per month. Many plans have the choice to choose which option suits you best. Some plans require you to pay for all days purchased at the time of purchase.

Enrollment is usually fast and easy, unlike the enrollment process of a traditional health plan. The health questioner is typically short and not as broad. Many carriers that offer short term health insurance allows for next day coverage.

If you are unsure of the term you will be needing you do not have to stress. Most carriers allow you to re-enroll at lease once a year. So if you purchased 6 months and find you will need another 2,3 or even 6 months more you simply enroll for the additional amount.  So finding Temporary Health Insurance is a perfect solution to many.

Cotiza un Seguro Medico Temporal

Thursday, May 15th, 2008

Cotiza un seguro medico temporal

  • Para las epocas de trancision en tu vida, en que las finanzas no son muy estables y te encuentras expuesto a endeudarte, o contraer una enfermedad o tener un accidente y no poder consultar a un medico o recibir atencion de emergencia.
  • Llama hoy mismo a The Policy Store y consulta con un agente certificado al numero sin costo 866-526-9669.

Un Seguro Temporal, Tu Mejor Opcion

Monday, May 12th, 2008

Un seguro temporal, tu mejor opcion

  • Cuando tu vida de giros inesperados o sufra de cambios que ya tenias planeados, pero que te haran pasar por epocas en que las finanzas estaran fuera de tu control, lo peor que puedes hacer es pensar que un seguro medico te representa un gasto y quedarte sin cobertura.
  • Porque corres el riesgo de sufrir un accidente que requiera atencion inmediata y que te puede costar lo que hasta hoy tenias ahorrado.
  • O puedes contraer una enfermedad que necesite hospitalizacion o gastos medicos mayores, y mas adelante convertirse en una condicion prteexistente que ningun seguro querra entonces cubrir.
  • Por esto y mucho mas lo mejor es contar con un seguro medico, pero no te preocupes, no hay porque gastar de mas, llama hoy a The Policy Store y pregunta por un seguro temporal, que es muy accesible en costo y requisitos de admision, y al que casi todos, salvo muy pocas excepciones podemos aspirar.
  • Comunicate al numero sin  costo 866-526-9669, y permite que un agente ceritficado te asesore, o cotiza en linea, y averigua porque es un seguro temporal tu mejor opcion

Si Tiene Problemas de Presupuesto No Se Quede Sin Seguro

Sunday, May 11th, 2008

Si tiene problemas de presupuesto no se quede sin seguro

  • Si hoy usted se encuentra en una situacion de reciente cambio de residencia y por lo tanto no cuenta aun con su numero de seguro social, y esto le ha impedido contar con un seguro medico para usted y su su familia, deje de preocuparse por la cobertura que ustedes necesitan y ponga manos a la obra.
  • Porque al fin puede contar con el plan de seguro medico temporal Amigo, que se porta como un verdadero amigo, ayudandole en este punto de trancision, para que no tenga que desembolsar dinero por causa de un accidente o una enfermedad, un dinero con el cual tal vez usted no cuenta en primer lugar.
  • Conozca mas del plan de seguro medico temporal Amigo, que le cubre desde 30 dias hasta un año, cuenta con diferntes deducibles a escoger y es el mas facil de obtener, porque cuenta con cotizaciones gratuitas en linea, y aplicacion en linea directamente.

Encuentre un Seguro Medico Costeable

Saturday, May 10th, 2008

Encuentre un seguro medico costeable

 

  •  encuentre un seguro medico costeable
  • Muchas veces pensamos que los seguros medicos seran tan caros que es mejor quedarnos sin seguro si estamos pasando por algun tipo de transicion en la vida, la que sea, como cambio de empleo, mudanza , graduacion, etcetera; y que es mejor “ahorrarnos” un gasto que no podemos costear.
  • Nada dista mas de la realidad… pero ademas resulta tambien la decision menos sabia; ya que al quedarnos sin cobertura de seguro medico, no nada mas nos exponemos a no tener con que pagar en caso de un accidente… podemos inclusive hasta perder la posibilidad de volver a adquirir un seguro medico mas adelante por condiciones preexistentes!
  • Es por eso que queremos informarle que hay en el mercado una gran variedad de seguros medicos
  •                                                                                                encuentre un seguro medico costeable