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September 7, 2021 By Insurance Experts Leave a Comment

Now that the Affordable Care Act special enrollment period is expired, what choices to you have?

Short Term Medical Plans are available 365 days a year and offer coverage from one month up to 36 months. These plans have qualifying medical questions and pre-existing conditions are not covered. They are less costly than Affordable Care Act plans without a subsidized premium. Child-only plans are available.  All Short Term Medical Plans are Preferred Provider Organizations (PPO). These are a good option for those who qualify and want to enroll in an Affordable Care Act plan for 2022.

 

Affordable Care Act plans are still available if you have a qualifying event for a special enrollment period such as moved into the state, had a baby, got married, lost your job, are getting a divorce, etc. There is no underwriting for these plans and they cover pre-existing conditions. You may or may not qualify for a premium subsidy or cost sharing. Child-only plans are available. All Affordable Care Plans are Health Maintenance Organizations (HMO).

Indemnity/Limited Benefit plans are first dollar benefit plans that typically do not have a deductible and pay a set benefit for medical procedures. These plans can be less costly than either Short Term Medical Plans or Affordable Care Act Plans. They do not offer child-only plans. There is no network so an insured can go to any doctor of their choice.

All of these options require specific information to determine the best plan for your needs and budget. Please contact me to ensure that you are getting the right health insurance plan for you and/or your family. Just a reminder, there is no cost for my services.

October 15th – December 7th  – Medicare Annual Election Period. Changes can be made to Medicare Advantage Plans and Medicare Prescription Drug plans for an effective date of 01/01/2022.

November 1st – December 15th  – Affordable Care Act Plan Open Enrollment. This may be extended. You can enroll or change your Affordable Care Act Plan for an effective of 01/01/2022.

Filed Under: Affordable Care Act, Health Insurance

ACA Enrollment Extended!

August 11, 2021 By Insurance Experts Leave a Comment

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

What Is Supplemental Insurance And Why You Need It

July 29, 2021 By Insurance Experts Leave a Comment

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

June is National Migraine and Headache Awareness Month

June 21, 2021 By Insurance Experts Leave a Comment

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.

  1. https://migraineresearchfoundation.org/about-migraine/migraine-facts/
  2. https://www.migraineheadacheawarenessmonth.org
  3. https://jnnp.bmj.com/content/jnnp/72/suppl_2/ii15.full.pdf
  4. 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/)
  5. 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

Filed Under: Health Insurance

May Is Stroke Awareness Month

May 27, 2021 By Insurance Experts Leave a Comment

Symptoms of a Stroke in Women vs Men
 
Men and women who have strokes often feel similar symptoms of stroke such as face drooping, arm weakness and speech difficulty. Other common signs include problems seeing out of one or both eyes and balance or coordination problems.
But some signs of stroke in women can be subtle enough to be missed or brushed off. That can lead to delays in getting time-sensitive, lifesaving treatments.
 
Read this article to be aware of the symptoms!  Share this article to educate your family and friends. Stroke treatments are time sensitive. The faster the person realizes what is happening the greater their chances for recovery. 
Be aware!! Most often the stroke patient doesn’t know they are having a stroke. So you and the people around them need to recognize the symptoms and get help for them.

Filed Under: Health Insurance, Stroke

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