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Surprise Medical Bills

September 10, 2026 By Insurance Experts

Surprise out-of-network billing and related patients’ costs are increasing among inpatient admissions and emergency department visits to in-network hospitals, according to a study published Monday in JAMA Internal Medicine.

Click here to read the full article. 

 

Filed Under: Health Insurance, Medical Costs

4 Ways to Thrive As We Age

September 2, 2026 By Insurance Experts

When I heard September is Healthy Aging Month, my first thought was that every month should be healthy aging month. After all, every day, every one of us gets older.

Growing older can hit you with a smack or sneak up behind you. One day you wake up, look in the mirror and see someone you might not recognize.  You’re getting older and you find yourself asking questions like:

  • What is my purpose here?
  • Is this really all there is?
  • Now what?
  • Who am I?

“Our culture tries to tell us how to move through time and tell us we only have so much time left.”  Dr. Christiane Northrup suggests rewriting the script by realizing chronological age just measures time, and by calling it getting older, not aging.  “Getting older is inevitable, but aging is optional,” she writes.

Unlike our parents and grandparents, we are a new generation creating our own paths, experiences and futures as we age. For many, each stage of life, is truly a new beginning or it can be if you learn to challenge what you’ve been told and learn to have a positive mindset about getting older.

I cringe when I hear someone say, “I’m too old to do _______.”  When I hear those words, it feels as if they have turned their back on all those experiences, all the knowledge they’ve gained, and the successes and talents they’ve earned. Many of us still have 20, 30 or even 60 years of life left. And while we may be finding that priorities are shifting or roles from earlier stages no longer fit, we still have so much more to offer and give.

Following are some ways to help you question, challenge and change your mindset and limiting beliefs when it comes to growing older.

  1. Let’s Stop Calling Midlife A Midlife Crisis

We’re shifting gears – entering a new phase. Midlife is a time of new opportunities. Many of us at this phase in our lives are living our best life due to medical advances, diet, exercise, and other new treatments. This is not a crisis!

“People may call what happens at midlife ‘a crisis,’ but it’s not.  It’s an unraveling – a time when you feel a desperate pull to live the life you want to live, not the one you’re ‘supposed’ to live. The unraveling is a time when you are challenged by the universe to let go of who you think you are supposed to be and to embrace who you are.”  ~ Brene Brown

  1. Claim Your Strengths And Qualities

Name three strengths or qualities you possess. Think about how you can boost them. How can you use this strength more in your life/work/relationships/future? Where could you use this strength to make a difference in your life?  How could you turn this strength into an opportunity?

We must continue to transform ourselves. It’s never too late to become a more polished version of your previous self.  Take a look at your personal achievements. Celebrate and recall your successes and the moments when you didn’t think you’d make it but you did.  What strengths, talents, knowledge did it take?  In other words, what did you bring to the table to make it happen?  Believe in your abilities!

How does it feel to focus on your strengths?  What did you notice about yourself?  How could you bring more of that into your everyday life?

  1. Do Something New

When is the last time you made a deliberate change in your life or started a new routine?

Doing the same things over and over can be emotionally draining.  If things aren’t what you think they should be, if you want your life to be different as you get older, you have to make it different.  Subtract an activity that’s bringing you down and add in an activity that will bring you up.

Break routines. Challenge yourself.  Shake things up. Test your limits. People get stuck in ruts. Don’t keep trying the same thing to get unstuck – try something different and keep trying different things until you find the perfect fit.  Expand your comfort zone and watch what happens.

Growing older is a time for renewal.  It’s never too late to change the course of your life and act the way you want to feel.  Use your experiences, your knowledge, your resources to reclaim, reimagine and reinvent your life, your purpose and your relationships.

Make a list of things you always wanted to do and go do them. See if you like it. Have you always wanted to learn to paint, drive a fast car, run a 5K,, take a creative writing class or take dance lessons? Give it a try. You may be surprised at how exciting some of these new adventures can be or where they might lead you. Embrace the “you only live once” attitude.

What will you try this week?

  1. Invest in your physical and mental health.

Stop focusing on your newest ache or pain. Instead practice having a positive mindset about by focusing on what your body can do. Exercise, hike or give yoga a try.

Cardiovascular exercise improves your heart and mood. Lifting weights helps retain muscle and bones. Doing the newspaper’s crossword or Sudoku puzzle, writing poetry, and playing games help you retain cognitive function.

It’s Time to Challenge Your Limiting Beliefs

I invite you to challenge your limiting beliefs and put them to the test. Many people in their 40s, 50s, 60s, 70s and beyond reclaim, reimagine and reinvent their lives quite successfully.

Don’t relegate the rest of your life to the boring status quo, living in fear and eventual regret. Take a chance on yourself and follow your dreams.  You’ll be surprised at what you can achieve.

There are 2 ways to view your life as you grow older.  You can either feel pretty miserable that you are aging – “the best is over” and “it’s all downhill.”  Or… You can embrace the changes you are going through and simply enjoy the next chapters of your life and the unique experiences they offer.  The choice is yours.

~~~~~~~~~~

Marilyn Carlstead, M.A., the Reclaim Your Life Expert, is a life coach who specializes in midlife, divorce and other life challenges. Bringing over 30 years of experience as a psychotherapist and certified divorce mediator, she specializes in working with women who believe midlife is the perfect time to push the “do-over” button, turn the page and begin an exciting new chapter of their lives.  Learn more at:  www.SayYesToWhatMatters.com.

Filed Under: Mental Health

The Eyes Have It!

August 2, 2026 By Insurance Experts

The American Academy of Ophthalmology (AAO) designates the month of August to increase awareness of common eye problems in children. Here are some of the more prevalent problems that once diagnosed – can be treated at home:

  • A black eye may only need an ice pack for 15 to 20 minutes at a time to reduce swelling.
  • Pink eye (Conjunctivitis) is caused by either bacteria or a virus. Because each is treated differently, get a proper diagnosis and treatment from a doctor.
  • Eye allergies cause eyes to be red, itchy and teary. Again, testing may be needed by a physician. Once the source is identified, limit exposure as much as possible. Sometimes, all that’s needed are artificial tears to wash allergens away.
  • A stye looks nasty but is usually harmless and goes away within a week.

Other problems that cause conditions like nearsightedness are prevented with early medical intervention. Join AAO this month to familiarize yourself with how to give your children the best eye care possible.

For more information, visit AAO | 415.561.8534 | www.aao.org/eye-health  Twitter: @AcademyEyeSmart

Filed Under: Vision

What is Hospital Observation and Are You Covered?

July 15, 2026 By Insurance Experts

How Do I Know if I’ve Been Assigned Observation Status or Inpatient Status?

Hospital observation services are short-term outpatient services received when you are in the hospital for monitoring purposes and/or to determine whether you should be admitted as an inpatient. It is important to know that if you are receiving observation services (sometimes referred to as under observation status), you have not been formally admitted to the hospital as an inpatient, even if you are given a room or stay overnight.

This makes it difficult for you to tell if you’re an inpatient or an observation patient. You can’t assume that, just because you’re in a regular hospital room or in a hospital bed rather than on a gurney, you’re an inpatient. Your doctor or attending medical staff would be able to inform you.

Nor can you assume since you’ve been in the hospital for a few days you’re an inpatient. Although observation is intended for short periods of time, it doesn’t always work that way. For example, you go to the emergency room for stomach pain, after a diagnostic blood tests and or imaging/x-rays, there is no conclusive diagnosis and the doctor places you into observation for an overnight stay.

Most private insurance plans do not cover observation. That is why it is important for you to ask the doctor or medical staff if you are being placed in observation or admitted as an inpatient.

However, there is a supplemental plan that can help pay for hospital observation. Contact me for more information.

Filed Under: Health Insurance

Sunscreen

July 11, 2026 By Insurance Experts

Environmental Working Group is a non-profit organization whose mission is to empower people to live healthier lives in a healthier environment. There is TONS of good info on their website (EWG.org). Today we want to share their findings on sunscreen. This Sunscreen 101 article helps you find the right sunscreen for you and your children (Yes, they are different!) and how to properly use the sunscreen.

Filed Under: Prevention

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