Insurance Experts Team

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Karla Flores

Insurance RX

I Make Insurance Easy & Simple

I need to pay for my own health insurance… what options do I have?

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Today, many people are self-employed, losing their employer benefits or finding their employer benefits too expensive along with higher deductibles and decreasing benefits.

If you are in this situation, it can be a challenging and daunting task to find and understand the right health insurance option that will fit your coverage needs and budget. Going online can get you in trouble as you believe that you are getting a certain type of coverage and then when you go to use your insurance, it is not what you signed up for.

I would also caution you, that there are insurance companies and agents that will lead you to believe you are getting a major medical plan when the only major medical plans remaining in the market are Affordable Care Act (Obama Care) plans or employer group plans.

Currently, there are three types of plans available for private (or non-employer paid) health insurance.

Affordable Care Act (Obama Care) which is well suited for those individuals who have a pre-existing condition of which they are currently being treated to ensure that they are not without treatment.

Short Term Plans. These plans work well for people in transition, i.e., between jobs that offer employer paid benefits or needing a few months of coverage before moving into Medicare. These plans are currently offered for 3 to 6 months terms renewable for another 6 month term.

Hospital Indemnity Plans offer the best option for those looking for a permanent plan, in other words, one that is guaranteed renewable. These plans offer a set insurance benefit for medical services for hospitalization, surgery, doctor visits, well care and other medical services. Some plans have a zero deductible or you can choose a higher deductible. Your auto insurance is an indemnity plan, i.e., when in an accident, your deductible (should you have one) is deducted and then your benefit is applied to pay for the repair of your automobile… this process is per incident.

Don’t get caught with the wrong health insurance… for information or questions, please feel to contact me. And, by the way, if you are unhappy with your current health insurance plan, you are able to cancel at anytime and switch to another type of plan.

Can Sunglasses Prevent Eye Cancer?

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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). 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.

 

 

Could You Repeat That?

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How often do you ask people to repeat what they just said? Or get asked to repeat something yourself? If you find yourself in either situation, the cause could be either the speaker or the listener.

The month of May is dedicated to promoting better hearing and speaking, both of which are affected by medical conditions. First, let’s look at speech.

Dysphonia, commonly called hoarseness or raspy throat, is a common complaint affecting nearly one-third of our population at some point in life. Causes range from history of tobacco use to patients who are professional voice users. A more serious cause is head and neck cancer.

The other side of the conversation is hearing. Throughout the world, otolaryngologists (surgeons who do head and neck surgery) are recognizing the importance of hearing loss prevention with early detection and intervention.

Conversations are tough when there’s a lot of background noise or you’re interrupted frequently. However, if you or whoever you’re talking to requires repetition under quiet circumstances, it’s time to see if medical intervention is needed.

We are social animals and conversations are one of the best ways to enjoy each other’s company.

For more information, visit www.entnet.org It’s the site for the American Academy of Otolarngology.

D I M E Financial Calculation

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Questions to help you gauge how much your family would need in the event of your becoming Critically, Chronically, or Terminally ill, or Dying.

D. (Debts): This is referring to any debts that you might have outside the mortgage (car loan, credit cards, student loans, etc.) If we were going to write you a check to pay off all debts (excluding your mortgage) how much would that check be for?

I. (Income Replacement): After paying off your debt, if we could bring your family a check every month to cover normal living expenses—how much would that monthly check need to be? And, for how many years?

______________Monthly Amount x12 x _____________Years=

M. (Mortgage Protection): What is your current balance that you owe the bank for your mortgage?

E. (Education): What do you feel would be an adequate amount to set aside for you children’s education ($50,000, $100,000)? What is the approximate amount that you have established in college savings?

E. (Expenses—Final): On average, we allocate around $10,000-$15,000 to cover final expenses. Does that see reasonable?

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Talk to an Expert

Are you unhappy with your health insurance premium? Are your employers paid health insurance premiums too expensive? Are you self-employed and looking for affordable health insurance? Are you in a job transition and don’t where to go for health insurance? Are you working in a corporate job just for the health insurance benefits? If you answered “yes” to any of these, I can help you.

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Insurance RX

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480-650-0018

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