You don’t have to put off retirement due to health insurance costs. There are many affordable options for health insurance after corporate group insurance. Currently private health insurance plans consist of the Affordable Care Act Plans (most costly), Short Term Plans that offer coverage from 30 days to 12 months (soon to be 36 months) and Indemnity Permanent Plans with zero or low deductibles that provide unlimited hospitalization benefits. The advantage of private health insurance is that you can customize the plans to fit your needs and budget. Contact me with questions!
Thank you for your Life-Saving Gifts!
Every unit of donated blood potentially saves a life. Around the world, blood and blood products help patients suffer less from lift-threatening conditions. This enables them to live longer with a higher quality of life. TV shows like the Korean War’s MASH to present day CODE BLACK demonstrate how quickly emergency situations consume units of blood. Yes, these programs are good entertainment. They also highlight the importance of readily available, safe blood products.
We thank blood donors around the world who make this possible. Their regular contributions are our only means of having an adequate blood supply. But even with their help, many countries continue to have shortages.
World Blood Donor Day globally celebrates donor contributions and raises the awareness of the need for more. The World Health Organization (WHO) designates June 14th as the day to honor Dr. Karl Landsteiner. He discovered the main blood groups in 1900 which now allows blood to be transfused with greater safety. We thank him… and every individual who donates… the chance of longer life with better health.
For more information, contact: World Health Organization, 202.974.3000, www.who.int
What Does Travel Insurance Really Do?
Travel insurance provides vital financial protection when unexpected events disrupt your trip, covering medical emergencies, cancellations, delays, and lost luggage. Because U.S. health insurance plans rarely follow you overseas, facing a medical emergency abroad can mean limited access to care and high, upfront out-of-pocket costs. Travel medical insurance eliminates this risk, protecting both your health and your wallet.
Flexible plans are designed to fit your unique travel needs:
- Single-Trip Plans: Cover trips from 1 to 182 days (with a 7-day minimum charge).
- Multi-Trip Plans: Provide coverage for an unlimited number of trips within 365 days, covering up to the first 70 days of each journey.
- Long-Term Plans: Offer comprehensive, renewable coverage for those staying abroad for more than a year.
Important: You must purchase your travel medical plan before departing, though you can buy it up to one day before you leave. If you are already abroad on a single-trip plan, you can request a policy extension or a one-time consecutive re-enrollment.
Contact me before your next trip to ensure you have the right health coverage away from home.
Maximizing Your Plan: The Perks Beyond the Prescription
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!
The Best Health Insurance Is the One You Rarely Have to Use
We 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!
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