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Karla Flores

Insurance RX

"I've Got You Covered From Diapers to Depends®!"

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Be A Sun Hero

May 28, 2026 By Insurance RX

Love the outdoors? Arizona’s sunny weather gives us more opportunities to enjoy outside activities than most parts of the country. To minimize the possibility of developing skin cancer, take steps like wearing protective clothing and sunscreen to shield your skin.

Of the different forms of skin cancer, melanoma is the deadliest. Yet even this form can be effectively treated with early detection. Here’s what to do.

Examine any spot on your skin to look for the following characteristics:

  • Asymmetry – is one half of the spot different than the other half?
  • Border – is the border irregular, scalloped or poorly defined?
  • Color – does the spot have different shades of tan, brown or black?
  • Diameter – is it the size of a pencil eraser? Usually melanomas are larger, but they can be smaller.
  • Evolving – is the shape, size or color changing?

www.spotskincancer.org has a terrific graphic to help you identify these characteristics right away. Use it to protect yourself and your loved ones.

Filed Under: Safety

Maximizing Your Plan: The Perks Beyond the Prescription

May 28, 2026 By Insurance RX

As your health insurance advisor/broker, I’m committed to having you covered “from diapers to Depends™.”  But I’d much rather see you thriving than just covered! Many of my clients don’t realize that today’s private plans,  ACA marketplace plans and Medicare plans often include robust “hidden” benefits designed to keep you out of the doctor’s office.

Use Them or Lose Them

 Most plans now offer more than just a safety net; they provide active wellness tools:

  • Fitness Memberships: Programs like SilverSneakers or gym fee reimbursement can save you hundreds annually.
  • Nutritional Support: Many carriers offer free consultations with registered dietitians to help manage weight or blood pressure.
  • Wellness Rewards: You can often earn gift cards just for completing a health risk assessment or hitting goals.

These perks are built into your premiums. Not using them is like leaving money on the table! Take a moment this month to log into your carrier’s member portal or email me. Let’s make sure you’re squeezing every bit of value out of your coverage!

Filed Under: Health Insurance

The Best Health Insurance Is the One You Rarely Have to Use

May 26, 2026 By Insurance RX

man using blood pressure cuffWe often view insurance as a safety net for when things go wrong. But as your advisor, I believe the greatest value of your plan isn’t found in the claims you file, it’s in the illnesses you prevent.

The secret to maximizing your coverage is utilizing preventative care. Since the adoption of the Affordable Care Act, most private and ACA marketplace plans cover a suite of essential services at $0 out-of-pocket, such as blood pressure screenings, cholesterol tests and immunizations. These aren’t just “freebies.” They are early warning systems designed to catch issues before they become life-altering / expensive emergencies.

For my clients on Medicare plans, the Annual Wellness Visit is a golden opportunity. This visit focuses on creating a personalized prevention plan. It covers cognitive screenings and helps you stay ahead of age-related risks.  All with no deductible or coinsurance.

Whether it’s a colonoscopy that stops cancer before it starts or a simple flu shot, these benefits are the most powerful tools in your policy. Remember, my goal is to keep you healthy and protected.

“I’ve got you covered from diapers to Depends™” but I’d much rather see you in the doctor’s office for a “wellness” check than a “sickness” one.

If you aren’t clear on the preventative benefits offered by your plan, schedule a review with me! Click here to access my calendar!

Filed Under: Affordable Care Act, Health Awareness, Health Insurance

Missing Children Day

May 24, 2026 By Insurance RX

Ask any parent and they’ll probably tell you nothing equals the pain of a child gone missing. And what about the child? What could be more painful than to be ripped from his or her family?

The Office of Justice Programs (OJP) initiative educates people on how to react when a child goes missing and how to identify a missing child. It works by disseminating state-of-the-art knowledge and practices, plus provides grants to implement these strategies.

Most of the responsibility for child safety falls to law enforcement at the state and city level. Our best defense is to encourage parents, guardians and others involved in day-to-day child care to work with these agencies as closely as possible.

There are many people, both individuals and those in law enforcement, who make exceptional efforts to rescue and protect our children. It’s why Ronald Reagan proclaimed May 25th as National Missing Children’s Day.  Each year there’s a ceremony to honor those who go beyond the call of duty.

Check www.ojjdp.gov/missingchildrensday to learn more about this award program.

Filed Under: Safety

That Motorcycle Rider Could Be Someone You Know

May 22, 2026 By Insurance RX

Maybe you can’t think of any motorcycle owners you personally know right now… but chances are… you know someone who has ridden as a passenger on one. That’s why taking the extra effort to look for motorcyclists is personal to all of us.

Let’s face it, sometimes motorcyclists can be annoying. Some riders weave between cars in heavy traffic. Some seem to come out of nowhere and suddenly cut in front of you. Often they go fast. How you feel about this doesn’t matter. They have the same rights to the road as you do and are at a disadvantage if an accident occurs.

The best way to prevent any altercation on the road is to treat motorcycles as full size cars. Always allow them a whole lane. Since they’re harder to see, take a second, even a third look to be sure you don’t pull into their space.

Remember, even if you aren’t acquainted with any motorcycle owners, you may know the person who’s riding with them.

Filed Under: Safety

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Are you unhappy with your health insurance premium? Are your employers paid health insurance premiums too expensive? Are you self-employed and looking for affordable health insurance? Are you in a job transition and don’t where to go for health insurance? Are you working in a corporate job just for the health insurance benefits? If you answered “yes” to any of these, I can help you.

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