WEDNESDAY, JULY 2, 2014
Do your vacation or work plans include traveling outside the U.S.?
Do any of these scenarios sound like you?
If you plan to travel, have you ever thought about what might happen if you were injured or became seriously ill while in a foreign country? What if the severity of your injury or illness required you to be flown home or to another country by air ambulance for specialized treatment? Most medical insurance plans will not cover this exposure.
- “We are going on a 7 day cruise”
- “We are hosting an exchange student this fall”
- “My 20 year old son will be studying abroad next semester”
- “A group from church is going to Honduras to help build a school”
- “My niece’s soccer club is participating in a tournament in the U.K. next month”
- “My employer is sending me to Japan to work for the next 3 months”
- “My 12th grade daughter is going to France with the French Club”
- “The Kiwanis Club is going to Africa to distribute eyeglasses”
- “My band is going to work on a cruise line this summer”
We offer a variety of travel medical plans offered by the International Medical Group to fit most any international travel...whether it is one person for a few days, an entire group of people going for weeks or months, or to cover a person visiting the United States from another country.
Click here or call us at 800-220-5582 for more information on International Travel Medical Insurance. You will be amazed at the low cost of peace of mind can be!
TUESDAY, JUNE 17, 2014
As an independent insurance agency we strive to provide our clients with the solutions and plans to bring you low cost, innovative health insurance plans. We have recently added HealthPlus to our portfolio of insurance carriers. Whether you are an individual looking for your own coverage, an employer looking for coverage for employees or you are looking for a plan for your family HealthPlus can help. HealthPlus is consistently ranked among America’s best insurance carriers by providing exceptional service, unsurpassed clinical and service quality and has earned consistently high marks from the National Committee on Quality Assurance rating #1 in overall rating of health plans, doctors, specialists and the ability of providing care quickly. All HealthPlus Signature individual plans are health care reform compliant which includes essential health benefits with no medical underwriter or pre-existing condition exclusions. HealthPlus has always been the right plan for a healthier you and has had to make very few changes to plans and policies to comply with changing regulations. All plans are sold off the healthcare marketplace exchange to consumers through independent insurance agents.
Call Bobbie Ajamy at 1-800-220-5582 or contact us online with your health insurance questions or to get a quote.
THURSDAY, APRIL 3, 2014
Living healthy doesn't necessarily equate to a strict diet and exercise regimen. Achieving overall wellness does entail lifestyle changes, but it doesn't have to be hard. Try these seven tricks for living a healthier lifestyle.
- Keep healthy options nearby: Stock up on healthy snacks, like fruit, yogurt, granola and bottled water. If you replace junk food with healthy choices, it's much easier to improve your diet. Instead of regularly buying chips, candy and soda, save them for a special occasion or as a treat once per month.
- Eat your breakfast: Eating a healthy breakfast, even if it's small, kickstarts your metabolism each morning. In fact, people who skip breakfast tend to gain more weight. Replace carb-heavy cereals with low-fat yogurt, fresh fruit, eggs, oatmeal etc.
- Catch some Z's: Getting a full eight hours of sleep each night is a great way to improve your health, not to mention it's very relaxing. Nighttime is when your body heals and restores itself. In fact, cutting back on sleep can lead to mood swings, psychological issues and even poor heart health.
- Focus on what feels right: It's tough to stick to a diet and workout routine, and people feel bad about themselves after breaking them. Rather, instead of focusing on concrete goals, focus on the good choices you make. Eating a healthy meal or taking a long walk through the park leaves you feeling good, which helps program your brain to do more of those activities.
- Exercise for fun: Many people dislike the gym, even though they know that exercise is important. But there are plenty of fun activities that get you moving. Try dancing, gardening, cleaning, walking around a museum or any other activity that involves physical activity. It's great for your heart and brain health, not to mention your waistline.
- Eat lots of berries: Strawberries, raspberries, blueberries, blackberries etc. are rich in antioxidants, which boost your immune system and overall health. Berries are a sweet treat for children and adults alike.
- Apply plenty of sunscreen: Skin cancer is a big concern around the globe. Slather on some sunscreen any time you're outdoors for more than 15 minutes, including long car trips on sunny days.
Get the most out of your wellness. Call Insurance Planning Service at (734) 421-9900 for more information on Michigan health insurance.
THURSDAY, JANUARY 2, 2014
With so many germs being shared in workplaces, schools and other public areas, it’s important to know how to maintain your health during cold and flu season. Falling ill not only feels terrible, but it can affect your education or paycheck if you have to stay home. The most important thing you can do to preserve your health is to frequently wash your hands. But more than that, you must learn proper washing techniques. Scrub the entirety of your hands and fingers with soap and warm water for at least 20 seconds, rinse well, and dry with a clean towel. When possible, use a paper towel to turn off the faucet and open public restroom doors.
How often should you wash your hands? To answer that, you must think about the spread of germs, which are most commonly caught through hand contact. Think of areas that are frequently touched—door knobs, fridge handles, mice and keyboards, pens, etc. Viruses can live on such surfaces for up to eight hours. When you come into contact with these public areas, avoid touching your face and wash your hands as soon as possible. Fortunately, you cannot catch the flu just by touching an infected area with your hand; those germs must pass from your hand to your nose, eyes or mouth for the virus to take hold inside of your body. Washing the germs away before you scratch your nose or rest your chin on your hand can prevent illness.
You can also boost your immune system internally. Eating a variety of colorful fruits and veggies provides your body with an assortment of vitamins and antioxidants that keep your immune system, along with others, running smoothly. Dark, leafy greens and berries are especially helpful in this area; and strawberries, contrary to popular belief, have more vitamin C than oranges. Along with diet, exercise is great for your body and is also required for smooth internal function. Living a healthier lifestyle is good for all aspects of your health, including warding off illness.
Even your best efforts may not be enough if you come in contact with sick individuals. If you do get sick, you should take steps to avoid spreading the illness. Never cough into your hands, which then touch objects that can go on to infect others. Instead, cough into your sleeve or a tissue, which should then be thrown out. Wash your hands after blowing your nose. Staying home from school or work and avoiding people in general is the best way to keep your germs to yourself. And people will thank you for it!
Your good health is important to us. Call Insurance Planning Service at (734) 421-9900 for more information on Michigan health insurance.
WEDNESDAY, JULY 3, 2013
While the PPACA (Patient Protection and Affordable Care Act, aka "Obamacare") has many positive attributes, the new law's complexity and countless rules are certain to cause a degree of angst to many employers. Remember, the PPACA law fills more than 2,700 pages and has various components that will phase in between the time it was passed in March, 2010 and 2020.
Many new responsibilities are placed on employers regardless of whether or not the business offers health insurance to its employees. One example is the requirement to provide a notice to employees by October 1, 2013 that provides information about the Health Insurance Marketplace Coverage Options. The Department of Labor has two sample forms that can be used, one for employers that do not offer health insurance, and the other for employers that do offer health insurance. The samples can be found in the Employee Security Benefits Administration' s section of the Department of Labor's website: http://www.dol.gov/ebsa/healthreform/.
Employers need to be diligent in learning all they can about the PPACA and how it affects their business. The law affects nearly all businesses - both for-profit and non-profit. There are even requirements for small businesses that fall below "50 full time equivalent" threshold that mandates an employer to offer "affordable" health insurance that meets "minimum value" standards to its "full time employees and their dependents". Businesses should consult their insurance professional, attorney and accountant to begin planning for 2014.
With respect to insurance, the PPACA may affect more than just the health insurance a business provides for its employees, such as Errors & Omissions (E&O), Employment Practices Liability (EPL), Employee Benefits Liability (EBL) and Directors' & Officers Liability (D&O). Now would be a good time to review these policies with your insurance professional to determine if coverage may need to be adjusted.
The professionals at INSURANCE PLANNING SERVICE are here to answer questions you may have regarding your health insurance or other lines of your business insurance. Contact us on the web or call us at 800-220-5582 today!