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Did you know that you can check to see what is the common or average cost for medical procedures? Visit Healthcare Blue Book or MD Save. Your InsuranceExperts.team member can guide you to better coverage and savings.
When it comes to taking care of your health, don’t “overlook” your eyes… literally. Temporary blindness caused by sudden exposure to bright light can’t be helped. But continued over-exposure to bright lights… especially sunlight… increases your risk of permanent damage including cancer.
Here’s what you need to know.
Eye disease starts to manifest during middle age (40 to 60 years old). Even if you have no symptoms, getting a baseline eye examination at 40 can save your vision in later years. And you don’t have to wait until then. It’s not a bad idea to have your family’s eyes checked periodically as they grow.
In the meantime, practice good eye protection with broad-brimmed hats and sunglasses. Just don’t settle for bargain sunglasses. Look for glasses with 100% UV-blocking capability. These moves don’t guarantee cancer prevention but they do contribute to keeping eyes healthy.
And protect your children’s eyes early, starting as early as infancy. Help them develop good habits now that will benefit them for a lifetime.
The American Academy of Ophthalmology (www.aao.org/eye-health) lists numerous ways to keep your eyesight as healthy and keen as possible.
Now what? Linda, age 45 has been diagnosed with a critical illness.
Linda, a very successful realtor, was suddenly diagnosed with cancer. This was very
unexpected as she had no family history of cancer. After surgery, she had to undergo
chemotherapy for six months. During that time, she was unable to work.
Fortunately, Linda at age 40, had purchased a $100,000 Critical Illness policy that
provided a lump sum benefit of $100,000 that she was able to use to cover lost wages and
even for an experimental cancer treatment.
This type of policy will also cover a medically induced coma for certain conditions such
as complications that accompany COVID-19.
Another type of critical illness is heart disease. Read more about preventing heart
disease at any age here.
Even the best health insurance may leave you with deductible and out-of-pocket costs
to meet. They are, regretfully, more common than we would like to think. Nobody can truly plan for a critical illness. However, you can prepare with reasonable actions for the unexpected. Call me today for a quote and details.
When it comes to stress, we know to exercise, get adequate sleep, and meditate, but we can also change our diet to help us relax. Certain foods contain vitamins and nutrients that can make us calm, and eating these foods can help alleviate stress. Instead of opting for the comfort of junk food, which can actually make stress worse, it’s important to choose foods that have mood-boosting properties.
Read more
If you have recently lost your employer group health insurance, you may be given the opportunity to participate in COBRA which will allow you to continue with the employer group plan. However, it will be at a cost of approximately 50% more than the premium you paid while employed. Rather than accepting a premium you may not be able to afford, you have the option to choose an Affordable Care Act plan and may even qualify for a subsidy which reduces your premium.
For example, there is a gentleman who lost his job in May and his COBRA was going to be $700/month. Due to his lost wages, he qualified for a subsidized Affordable Care Act plan with a monthly premium of $160 and added a supplemental plan with a monthly premium of $140 to cover his $8,000 deductible. His total monthly premium is $300/month for a savings of $400/month from his COBRA plan.
I can help you through the maze of health insurance choices. There is no cost for my services and my goal is to create a health insurance portfolio of services that fit your needs and budget. Contact me today.
