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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.