You may qualify for health insurance assistance

Below is the table that the federal government uses to determine health insurance assistance.

If your income falls between 135% and 400% of the federal poverty level for your family size you may qualify for assistance with your premiums.

Open Enrollment Begins November 1–Five Factors to Consider.

 

Did you know there are five factors that can affect how much your health plan’s monthly premium under the health care law? However, individual states can limit how much these factors come into play.

These five factors are:

  • Age: Premiums can be up to 3 times higher for older people than for younger people.
  • Location: Where you live has a big effect on your premiums. Differences in competition, state and local rules and cost of living are the reasons why.
  • Tobacco use: Insurers can charge tobacco users up to 50% more than those who don’t use tobacco.
  • Individual vs. family enrollment: Insurers can charge more for a plan that also covers a spouse and/or dependents.
  • Plan category: Bronze, Silver, Gold, Platinum, and Catastrophic. The categories are based on how you and the plan share costs. Bronze plans usually have lower monthly premiums and higher out-of-pocket costs when you get care. Platinum plans usually have the highest premiums and lowest out-of-pocket costs.

In addition, insurance companies may offer more benefits, which could also affect costs. Furthermore, insurance companies can not charge women and men different prices for the same plan, nor can they take your current medical history or health into account when otherwise known as pre-existing conditions.

 

Yoga can Benefit both your Mental and Physical Health

 

The practice of yoga has been around for centuries. Originating in India, yoga was introduced to America in the late 1800’s. Since then, yoga has grown in popularity, and people who practice yoga are now in the millions, in fact, yoga can now be found in schools, hospitals, senior centers, prisons and office spaces.

The health benefits of practicing yoga are abundant, both mentally and physically. Yoga helps to build strength and increase flexibility, while also training your mind to improve concentration, reduce stress and find a balance in your emotional state.

Yoga class teaches you to move your body, train your mind to help reduce anxiety and focus on being kinder to oneself. It is a philosophy that helps you connect to your inner self by nourishing the part of us that makes us compassionate and kind.

Yoga is a peaceful practice, centered around a mindfulness that directs us to a higher level of consciousness, where in the moment, we take a mental time out and focus on the movement and the connections.

Basic yoga poses to try;

Forward Fold– Keeping your knees straight, slowly bend forward as far as you can comfortably go, place your hands on the ground in front of you or on the back of your calves.

Plank– Place your hands on the ground, arms straight over your wrists and walk back until your feet are directly behind you, creating a straight line from your shoulders to your heels.

Down Dog– From the plank position, shift your weight onto your heals and life your hips upward, leaving your heels as close to the ground as possible.

Tree– Stand with your hips shoulder-width apart, open your toes to distribute weight evenly on the right food. Set your left foot on the inside of your right thigh. Bring hand together with open palms, and lift overhead. TIP: Focus on an object at eye level to assist with balance.

Corpse pose– Working your way on to your back, lay flat with your arms to your side. Close your eyes and focus on your breathing.

Namaste

 

 

Understanding CHIP

The Children’s Health Insurance Program (CHIP) provides low-cost insurance converge to children in families who earn too much money to qualify for state Medicaid. If your child(ren) are eligible for CHIP, you do not have to purchase an insurance plan to cover them. Each state has its own rules and guidelines, but the CHIP program works closely with the state’s Medicaid program.

The funding for the program expired on September 30 and in recent actions by Congress, short-term funding for CHIP will again expire at the end of January. A new budget was proposed last week.

“The Congressional Budget Office says a Senate bill adding five years of financing to the program would cost $800 million. Previously, the analysts estimated it would cost $8.2 billion.” –Associated Press

What CHIP covers.

CHIP benefits are different in each state. But all states provide comprehensive coverage, including:

  • Routine check-ups
  • Immunizations
  • Doctor visits
  • Prescriptions
  • Dental and vision care
  • Inpatient and outpatient hospital care
  • Laboratory and X-ray services
  • Emergency services

There is no cost for routine ‘well-child’ doctor and dental visits under CHIP. However, there may be co-payments for other services. In addition, some states charge a monthly premium for CHIP coverage but you will never pay more than 5% of your families’ yearly income.

 

Special Enrollment Period (SEP)

Did you know that certain life changes may qualify you to enroll in health insurance coverage outside of the standard enrollment period?

Did you or anyone in your household lose qualifying health coverage in the last 60 days? If so, you would qualify for the special enrollment period.

Here are some other examples of qualifying events:

  • Marriage
  • Birth of a child
  • Gained or became a dependent
  • Divorce or legal separation resulting in loss of health insurance
  • Death
  • Change in income
  • Change in zip code/primary place of living
  • Denied Medicaid or CHIP
  • Gained citizenship in the United States
  • Released from incarceration

 

If any of these apply to you or your family, please give us a call for a quote today!

 

 

 

Being a specialized caregiver, you do not have to go it alone.

 

Caring for a special needs child or an elderly adult can be met with fear and uncertainty. After all, when a diagnosis is made or the aging process leaves a parent in need of continual help, an uncharted territory lies ahead for the caregiver.

No person needs to take on the role alone. Resources exist to connect caregivers with a community of other caregivers and organizations that can provide both financial and emotional support.

In fact, make that step number one.

 

  • Find a support system, build your tribe. That can be neighbors, friends, people from your congregation etc. People that understand [to the best of their ability] the situation and may even be a similar one. Take to the internet and seek out local organizations that deal with the same specific issue, talk and share with others.

 

  • Knowledge is power. Ask questions, find out everything you can about the diagnosis. Do your research and stay up to date on the latest treatments etc. for the condition. Being armed with the latest information is empowering.

 

  • Take care of you! The stresses of caring for others nonstop can be overwhelming. Take a break from time to time, ask for help from a trusted family member or friend. Often people around us wish to help, they just need to be told how. Local care agencies are another great resource to explore if you need it.

 

 

Tips For A Safe And Healthy Summer

Summer time means fun in the sun, playing outdoors and outdoor recreation. There are few simple ways to keep our bodies healthy while enjoying the good weather.

Here are few tip to stay safe and healthy summer.

 

  1. Stay Hydrated- drink water. Water is important to good health. Drinking at least 8 glasses of water a day will help you stay hydrated in the summer heat. If you are active, up your intake.
  2. Wear Sunscreen- wearing at least a SPF 30 will help protect you from UV damage. Even if you are only going to be in the sun for a few minutes, lather it on.
  3. Stay cool- wear appropriate clothing and that is cool and light. Protect your eyes with sunglasses and if possible, wear a brimmed hat.
  4. Be fit, stay active-regular exercise contributes a healthy lifestyle overall. Being active in the early mornings or evenings will assist in not getting overheated. Wear a helmet when biking, riding a scooter, skateboarding etc.

Five Insurance Tips for Millennials

 

 

Millennials find themselves in the stage of life that may require them to purchase their own insurance. After having aged out of their parent’s insurance coverage and buying or renting a place to live, coverage needs may not be as black and white as one might think.

Knowing these five tips will help navigate through the sometimes-complicated policies out there.

  1. Shop smart for adequate coverage- Although cost is an important factor, having the coverage you need is equally important. You may be tempted to choose the least expensive plan but when it comes time to make a claim, you will see less of a financial benefit. In fact, a high deductible could cause a unexpected financial burden.
  2. Look for discounts- Often insurance carriers will offer discounts for bundling services, such as your home or rental insurance and your car insurance. In addition, there are discounts for being in school and getting good grades. Be sure to ask your agent about these and other possibilities.
  3. Fill in the gaps- An average policy will provide basic coverage but that may not be enough for all your coverage needs. For instance, a rental or homeowner’s policy may not cover personal items such as jewelry over a certain dollar amount.  Be sure to ask if you have collectables or higher value items. 
  4. Purchase life insurance- Life insurance is important, no matter how old you are. For a millennial, it may also save you money on a policy in the long run. It is especially important if you have children. Life insurance can help your family cover unexpected costs in your absence. If you have children, a life insurance policy can support their education or child care expenses.
  5. Consult an independent broker or agent- Talking with an independent insurance agent is the first step in finding the coverage you need and can afford. An independent broker works with multiple providers and can help you navigate the different policies and coverage. They can also help explain some of the terms and conditions that may be difficult to understand.

 

Spring Allergy Season|Ark Insurance Solutions

Be Prepared for Allergy Season

Spring Allergy Season|Ark Insurance Solutions

With spring weather comes allergy season. Plants are starting to bloom and pollen is in the air to fertilize other plants. Pollen can also pollinate your nasal passages which can bring discomfort.

Be Prepared for Allergy Season

Common sources of allergies, sometimes referred as  ‘hay fever’ come from weeds, flowers, grasses, and trees. Symptoms include sneezing, itchy and watery eyes, and runny nose.

Your physician can perform a skin prick test to help determine what you are allergic to so you can use the most appropriate treatment.

These simple tips can also help prevent reactions.

  1. Limit your time outdoors on high pollen days and keep your windows closed.  The local news is a great resource for sharing this information.
  2. Take over the counter medication after consulting with your physician.
  3. Change your bedding once a week to remove any pollen you may have brought indoors.
  4. Remove your shoes in the house to avoid dragging it in from outside.

Over the counter medications can help, but natural remedies can also be the answer.

Here are a few to try:

Quercetin-found in colorful fruits and vegetables

Vitamin C- provides a natural antihistamine effect.

Saline Nasal Spray

 

 

Preventive Health Service

Understanding Preventive Health Services

Preventive Health Service

 

 

Did you know that many preventive health services are covered by most health insurance policies at no cost to you? Waiting until you need to go to the doctor due to illness should be a thing of the past, practicing a healthy lifestyle and visiting the doctor for routine, preventive services is the key to a longer, healthier life.

When you become ill, you have no choice but to pay attention to your health. But, with free preventive services, like immunizations and yearly exams, you can get ahead of something that may have become catastrophic otherwise. Insurance companies want you to stay healthy, and in doing so, it keeps the cost of healthcare down.

Insurance carriers do have some age restrictions on some services, but overall, these preventive services are covered:

*Adult services:

• Laboratory tests

• Contraception

• Procedures; i.e., Pap Test, Lung Cancer Screening (between ages 55 and 80), Screening Mammogram

• Immunizations

• Examinations and Counseling; i.e., Physical Exam

*Obstetrical services:

• Laboratory tests; i.e., Iron Deficiency Anemia Screening, Diabetes Screening

• Breast feeding supplies and support; i.e., Breast Pump

*Pediatric services:

• Examinations and Counseling; i.e., Well-child Visit

• Immunizations

• Laboratory tests; i.e., Newborn Metabolic Screening (younger than age 1),

It may be beneficial to think of utilizing preventive services as a personal investment in your health future. In additional to practicing healthy living habits, like exercising and eating a well balanced diet, getting to the doctor on a regular basis will pay large dividends in your overall health as you age.

 

 

Source: Select Health