The ACA extended enrollment ends on Aug 15th. If you had unemployment benefits in 2021, you may be entitled to a larger subsidy. Contact me for details!
Tip of the Month
Check your medical records once a year! It’s very important for you to review the records due to mis-information being reported which can affect your ability to qualify for some health and life insurance policies. Request your report by visiting the Medical Information Bureau at https:www.mib.com or call 866-692-6901.
What Is Supplemental Insurance And Why You Need It
Medical Insurance pays the doctors and hospitals. Supplemental insurance pays YOU for expenses such as deductibles, co-payments, your max-out-of-pocket expenses and non-medical expenses such as lost wages, mortgage payments and childcare costs.
The 2021 individual max-out-of-pocket on an ACA health plan is $8550 per year. (STM can be even higher.) Supplemental insurance can help you pay additional expenses to avoid medical debt. Many people feel paying a small monthly fee is more manageable than a large, unexpected out-of-pocket cost.
Can you afford NOT to have supplemental insurance? Contact me today to discuss your best options for supplemental insurance!
Now is the time and maybe the time is now for you…
Are you currently seeking a career change? Have you recently lost your job? Do you wish you could live your life around a flexible work schedule? Are you a realtor who is frustrated with low inventory and too many offers on every property? Are you tired of spending 2-4 hours out of your day driving to a job? Do you want to retire from your current job but you’re not tired of working? Do you love helping people?
Please read my story and how I went from just making ends meet to living the life I had dreamed of while helping others.
During the 2008 real estate crash, I was a realtor and went through a very tough financial stretch essentially losing all my retirement savings and the 401K from a previous corporate job. So I was one of those looking for a career change.
I found a job working as the VP of Marketing for a local dental plan company utilizing my education and background in marketing and business. After four years in that position, I had reached a point where I achieved what was required in my position, was bored with doing the same tasks daily and the income promised was not delivered. I was looking for a career change.
I was introduced to the idea of selling health/life insurance through an agent with IHC Specialty Benefits (IHCSB). I saw that I could run my own schedule, get paid what I was worth and make as much money as I wanted at the same time fulfilling my desire to help people.
I didn’t have an insurance license as my other job did not require one. That was not a problem as IHCSB provided the online pre-licensing course. After passing the exam, I completed the comprehensive training process and followed what I was taught. I received company leads, joined networking groups, chambers of commerce and spread the word that I had a new profession.
After my first nine months with IHCSB, I placed 12th in the company for overall production. After my second year with the company, I placed 2nd in the company for overall production and received the position of Sales Leader to mentor, train and coach other agents. During the next three years, I placed 1st or 2nd in overall production each year. Just as importantly, I replaced what I had lost financially during the crash of 2008 THREE TIMES OVER! A little over two years ago, I became a Regional Sales Leader for AZ, UT, NV and CA. Today, I continue to personally train and mentor new agents to reach their goals and dreams.
As I grew up on the Minnesota lakes, one of my life-long dreams was to live on the water. Because “I was one of those” looking for a career change and I took the opportunity to make my life what I wanted, I now have three homes: one in Queen Creek, AZ plus a condo and home in Rocky Point, Mexico on the Sea of Cortez where I spend most of my time.
I have the freedom and flexibility to live and work where I want and schedule my work time around my life so I can travel for fun and to see my family. Just as important and the “why” I do what I do, is my passion for helping people both in the “crazy” world of health insurance and in mentoring agents to achieve their own goals and dreams.
“Now” may be the time for you…
Contact me 480-650-0018 or your agent for more information.
June is National Migraine and Headache Awareness Month
Migraines are one of the most prevalent health complaints in the world. It is estimated that approximately 40 million women, men and children in the United States and approximately 12% of the population worldwide suffer from migraine headaches. That is a staggering number of people struggling with this neurological disorder. (1)
To raise awareness about the serious nature of headaches and migraines, June is designated as National Migraine and Headache Awareness Month. There are many types of headache disorders. Most headaches are transitory, while some can be chronic and debilitating. The most notorious classification of headaches is the migraine. (2)
A typical migraine lasts between 4 and 72 hours. It is characterized by unilateral or localized pain that feels pulsating or throbbing in nature. Many migraine sufferers can point to exactly where they feel the pain and describe it in great detail. And the pain is far worse than simply a case of just “having a bad headache.”
Migraine headaches meet specific diagnostic criterion that are distinctive from other types of headaches. (3) For example, about one third of migraine sufferers also experience other neurological symptoms prior to the onset of the migraine. This may be a characteristic visual disturbance called an aura. Tinnitus (ringing in the ears), vertigo or dizziness can also occur. Other symptoms that accompany a migraine may include nausea, vomiting, sensitivity to light or sensitivity to sound. This is a combination of symptoms that makes it difficult to even leave bed, much less feel functional.
More than 90% of migraine sufferers are unable to work or perform other tasks of daily living during a migraine attack. (1) For some people migraines are a periodic affliction. However, for others, it is a chronic incapacitating disorder that destroys their quality of life. Most people’s experience with migraines lies in the middle of this spectrum.
The susceptibility to migraines is often hereditary. Although the lining of the brain (the cortex) normally fluctuates in thickness to some extent, MRIs have demonstrated that this lining is thicker than normal in migraine sufferers. This may explain why migraine sufferers are more sensitive to changes in their environment and fluctuating weather patterns. (4)
While many people try to manage their headaches and migraines with over the counter pain relievers and NSAIDS, a large number of migraine sufferers require costly prescription medications. This can make the treatment for migraines a substantial investment. A visit to the emergency room for treatment of a migraine is not unusual. Most standard medical treatments fail to provide lasting results and the migraines almost always return again after conventional treatment. (5)
On the other hand, Naturopathic Medicine recognizes that migraine headaches are symptomatic of profound imbalance in the body. To get to the root cause of the disturbance, a person’s entire health picture is explored. Diet, food allergies, cellular toxicity, stress, poor sleep quality, dehydration and nutritional deficiencies are some of the factors that play contributory roles in the frequency, intensity and duration of migraine headaches. The more willing the individual is to make the necessary changes to improve their overall health, the more likely they are to experience positive results.
As a Naturopathic Doctor, migraine headache is a condition I am really passionate about treating. In the past, I had migraines myself, so I know how miserable they are and how much it can affect the quality of life for people who experience them. I also know how liberating it is to be free of them. I am being honest when I say there is no single magic bullet for treating migraines. Many individuals with chronic headaches and migraines benefit from both conventional and naturopathic migraine treatments.
- https://migraineresearchfoundation.org/about-migraine/migraine-facts/
- https://www.migraineheadacheawarenessmonth.org
- https://jnnp.bmj.com/content/jnnp/72/suppl_2/ii15.full.pdf
- Hadjikhani, N. The relevance of cortical thickness in migraine sufferers. Expert Rev Neurother. 2008 Mar; 8(3): 327–329.(https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3745624/)
- Shao, E., Hughes, J., Eley, R. The presenting and prescribing patterns of migraine in an Australian emergency department: A descriptive exploratory study.World J Emerg Med. 2017; 8(3): 170–176. (https://www.ncbi.nlm.nih.gov/pmc/articles/PMC5496823/)
About Dr. Holly Castle
I am a licensed natural medicine specialist who has been practicing Naturopathic Medicine for 24 years. I live and practice in Scottsdale, AZ where I treat patients both in person and remotely through telehealth consultations. Any chronic condition and many acute conditions can benefit from treatment with Naturopathic Medicine, including migraines, autoimmune disease, recurrent infections, fatigue, and stress or anxiety.
www.drhollycastle.com
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