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Karla Flores

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Mental Healthcare

August 30, 2021 By Insurance Experts

Following the COVID pandemic, many professionals have predicted a “second pandemic” of mental health problems. The lockdown, the fears, the housing and supply shortages, more alcohol consumption, less physical activity, … all of these things combine to cause strain on our emotions and mental health.

The InsuranceExperts.team wants to encourage you to have a mental health check up just like you would have an annual physical. Start with your general practitioner or family physician. They can do a basic assessment and make recommendations.  If you are experiencing sadness or anxiety, a counselor or therapist can help you work through the cause and find solutions.

Don’t let a mental health issue become a major problem!

  • 5% of American adults with symptoms of an anxiety or depressive disorder as of February 2021 according to the CDC. That is double the 2020 number.
  • 1 in 5 Americans will experience a mental illness in a given year according to the National Alliance on Mental Illness.
  • 1 in 25 Americans live with a serious mental illness such as schizophrenia, bipolar disorder or major depression.
  • 3% of adults with mental illness in Arizona did not receive treatment.
  • 2% of youth with major depression did not receive any mental health treatment.
  • Youth suicides increased 57% from 2007 to 2018.
  • 47,000 people commit suicide every year. We could fill Chase Field!
  • On average, someone dies from suicide every 7 hours.
  • In 2018, 1,532 Arizonans were lost to drug overdoses.
  • There is a Federal Parity Law regarding insurance coverage for mental health.
  • In 2019, Arizona passed “Jake’s Law” ensuring parity for all Arizonans with special provisions for our youth.

YOU ARE NOT ALONE! THERE IS SOMEONE TO HELP YOU.

Resources

  • Cerebral Mental Health https://getcerebral.com/
  • Better Help https://www.betterhelp.com/
  • The JEM Foundation – nonprofit fighting youth suicide theJEMfoundation.com
  • National Suicide Prevention Hotline – 800-273-8255
  • Veterans Crisis Hotline 1-800-273-TALK (8255) and Press 1 or Text message to 838255
  • Teen Lifeline 1-800-248-TEEN (8336) http://teenlifeline.org
  • The Trevor Project 1-866-488-7386 (Youth who identify as LGBTQ)
  • Safe Call Now 206-459-3020 (First Responders)
  • National Teen Dating Abuse Hotline: 866-331-9474
  • Tempe Youth Resource Center: (for homeless teens) 602-263-7654
  • FITT (Families in This Together) Parent/Caregiver FB Support Group by JEM https://www.facebook.com/groups/1926632904225305/
  • You can locate local resources by visiting 211.org

 

The InsuranceExperts.team is here to support you with options.

 

Filed Under: COVID, Mental Health

ACA Enrollment Extended!

August 11, 2021 By Insurance Experts

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!

Filed Under: Affordable Care Act, Health Insurance

Review Medical Records Annually

August 4, 2021 By Insurance Experts

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.

Filed Under: Medical Costs

What Is Supplemental Insurance And Why You Need It

July 29, 2021 By Insurance Experts

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!

Filed Under: Health Insurance, Supplemental

Now is the time and maybe the time is now for you…

June 22, 2021 By Insurance Experts

Karla Flores SmithAre 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.

 

Filed Under: Career Testimonial

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