How Do You Prepare for the Coronavirus? Here Are Some Tips to Help You Stay Healthy!

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 There is a lot of panic in the US about the new Coronavirus. Much of the panic is being pushed because there is a lot of uncertainty around this new virus. We do not truly know how many people have been infected in the US, since the first batch of tests for the virus were faulty. The World Health Organization has stated that most carriers of the COVID 19 virus will show mild symptoms or no symptoms at all.

How can we truly know how many people are infected and carrying the virus if they are not getting tested? Let’s focus on the US for a minute. There are over 1000 confirmed cases in the US (as of 3-13-20) and 26 deaths at the time of this blog. President Trump has sanctioned travel bans, and sports arenas are empty in the most celebrated time of year in college basketball.

So, what should we be doing to prepare ourselves and our family for the COVID 19 virus? We need to first understand that this is a highly contagious virus. It will spread, and many people will carry it without symptoms. The good news is, that most Americans will show very mild symptoms if they do contract the virus. The demographic at greatest risk is the elderly, or people with underlying medical issues.

Here are the facts: The virus can be transferred for up to two weeks while someone is infected. This means that there are 2 weeks of potential quarantine for many Americans. Let’s focus on what can we do to help lower our risk of contracting this virus. (1) We must wash our hands often, and thoroughly. Especially after being in a public place. (2) Another tip to help avoid the virus is to drink something every 15 minutes. Aside from staying hydrated, this method will move pathogens to the stomach where they will be destroyed by stomach acid. (3) Be careful not to touch your eyes or face when in public, as this can move the virus into your body. (4) When in public: Be careful of touching hard surfaces, grab handles, knobs and counter tops. Keep your hands in your pockets or folded in front of you. (5) Check your medical plan for coverage, or get a health insurance plan, today!

During this time: Evaluate your health care coverage and medical insurance. We have short term medical plans (STM) available from several health insurance carriers to ensure that your family is covered in an emergency. (One of these STM plans has also agreed to cover the cost of testing for the virus.) You don’t have to wait for open enrollment to get a health care plan, so call me today.

Let me review your health insurance needs and help you to determine what is best for your family. Here in Georgia, Amy Kelley, The Insurance Nana, can assist you with your health insurance needs.  The Insurance Nana wants you to be safe and remain healthy during this uncertain time.

Call 770-527-5598 today to speak to find out which health insurance products would best suit you and your family.

 

What Happens If You Cannot Afford Your Employer’s Health Insurance Plan?

So, you got a job with health insurance options. Great! But, what happens if you later find out that you can’t afford the payments? Here’s what to do if you can’t afford the company health insurance…

If you feel like your employer health insurance is too expensive, it could be because premiums and deductibles for group health insurance policies are on the rise.

Here is some data from Health E Deals that further explains why health insurance is so expensive: “Over the past year, on average, worker wages increased 2.6% and inflation increased 2.5%. However, the average health insurance annual deductible for covered workers has increased 53% over the past 5 years, leaving a lot of people wondering how to afford their employer’s high deductible health plan.”

If your employer health insurance coverage is too expensive and you can’t afford it, here are some options for you:

1. Find a health insurance broker that can find a plan to match your budget. There are health benefits available to help with out-of-pocket medical expenses, including what you pay toward your major medical policy deductible as well as your coinsurance and co-payment responsibilities. Medical gap policies are a type of supplemental health insurance that pays a lump-sum benefit when you have a covered accident or critical illness. You can choose from different coverage levels to accommodate your budget. Plus, they are available any time of year—not just during open enrollment.

2. Consider add-ons to health insurance, to bring the extra costs down.
Prescription drugs and visits to the doctor’s office can result in both expected and unexpected out-of-pocket medical expenses throughout the year. There are supplemental non-insurance products that can help reduce the amount you pay. Prescription drug discount cards provide discounts on prescription drugs, both generic and brand name. Thousands of pharmacies accept them nationwide. You present the card when you pay for your prescription, and the associated discount is applied.

3. Use a Tele-Medicine Option, or Doctor On Call (Face-time a doctor)
Tele-medicine provides 24/7 access to board-certified physicians for a few dollars per visit. This service is useful for diagnosis and treatment of non-critical conditions such as urinary tract infections, ear infections, allergies, cold and flu—the physician can even prescribe medications, if needed. These virtual visits are available to you wherever you are, just call.

4. Consider a Health Savings Account (HSA)
A health savings account (HSA) allows you to save money and use it later to pay for qualified medical expenses. HSA funds carry over from year to year, and some earn interest. You can even save the funds and use them when you retire.

You can only enroll in an HSA if you have an HSA-compatible high-deductible health insurance plan. The deductible alone is not an indicator of an HSA-compatible HDHP, rather the plan will be marketed as “HSA-compatible”. If you’re not sure if your health insurance is HSA-compatible, you’ll want to contact your health insurance company to find out what type of policy you have.

With the cost of health insurance and medical expenses rising, you may be looking for ways to make healthcare more affordable in 2019. Gap insurance, add-ons to health insurance, and health savings accounts can be helpful ways to manage your out-of-pocket healthcare costs—you can choose one of these solutions or a combination.
Find a local agent to help you find the right products.

Call us to speak to Amy Kelley, The Insurance Nana, now.

You Have More Options in the Wellstar and Anthem (Blue Cross Blue Shield) Break-Up

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As a small business owner, you are often on the receiving end of bad news.

Supply costs increase and you have to pay it.

A service is eliminated and you scramble to replace it.

Insurance companies wake up with a new idea – and you just have to swallow it.

You started your business to have more control, but now it seems you have less.

Is this life?

This is exactly what thousands of area residents with independent health insurance have been asking themselves. Ever since the contract between Wellstar Healthcare Network and Anthem expired earlier this year these residents are wondering what to do next. In this article, we will talk about the options you have if the Wellstar/Anthem break up has affected you or someone you know!

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Your Guide to What’s New in Healthcare for 2019

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It’s time! Although there was speculation as to whether the Affordable Care Act (ACA) would make it through to 2019, it looks like it’s hanging on for at least one more year.

This means it is time once again for another rundown of “what’s new, what’s the same, and what has changed” in the world of health insurance.

There’s a couple of changes I’m really excited about this time around, so let’s take a look. Read more

Why 2018 is a Good Year to Enroll in a Medicare Supplement Plan  

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It happens just like clockwork. You turn 50 and invitations start rolling in for you to join AARP and AMAC because you’ve hit that golden milestone. It seems like it was just yesterday you were turning 20 and wondering what you were going to do with your life.

Time rocks on though and right before you turn 65, your mailbox starts filling up again. This time it is with reminders that you need to select your Medicare plan and the type of medical benefits that you want. Read more