Author: Landon
The Coronavirus Aid, Relief, and Economic Security (CARES) Act was created to provide economic assistance to families, workers, and businesses during these uncertain times. One important thing the CAR...
Individual Coverage Health Reimbursement Arrangements, or ICHRAs, have been available since January 2020, and have been growing in popularity over the past year. This is because they allow employers t...
There’s no doubt about it: women have extraordinary abilities, including an intense sense of smell and the ability to see more colors and use more brain function than men. However, with the good com...
As you age, your bones can begin to deteriorate, making hip fractures much more likely. In fact, according to the CDC, more than 300,000 adults 65 or older - 80% of whom are women - are hospitalized f...
In order to keep your health insurance plan active, you need to pay an insurance premium every month. Premium prices depend on variables such as your age, the area where you live, and the amount of co...
There are thousands of businesses out there making websites, all trying to create unique designs, logos, videos, text, and images. There is a danger that, when you create a website for your business, ...
The coronavirus pandemic has taken a toll on many small businesses, and many are now struggling to stay afloat. In order to keep going, many small business owners had no choice but to furlough or lay ...
If you’re a business owner who works with contractors or has clients perform jobs for you, you have probably requested a certificate of insurance (COI) - or perhaps businesses you have worked with h...
One of the most important things you can do as a small business owner is make sure you have enough insurance coverage in case of a claim or lawsuit against you. Liability policies will go a long way i...
Let’s face it, the pandemic has put a lot of strain on small businesses, many of whom are now struggling to survive. If you’re a small business owner, you might have had to let some employees go, ...
April 11 is World Parkinson’s Day, a day to raise awareness about this debilitating disease. According to the National Parkinson’s Foundation, there are approximately 1.5 million Americans living ...
Once your business is up and running, you might come to the realization that you can’t do it all, and you’ll need more help. Instead of hiring a full-time employee to handle some projects, you mig...
If you decide to offer a qualified small business health reimbursement arrangement (QSEHRA) to your employees, you might have some questions about how to report the benefits on your employees’ W-2s....
A Medicare Supplement Plan can save you hundreds of dollars each year. These plans are sold by private companies to help cover the healthcare costs that Original Medicare does not cover, such as copay...
You go to the doctor for a routine checkup. Afterwards you go to the store to buy some groceries, only to realize that the place in your wallet where your Medicare card usually is is empty. You search...
If you’re healthy, you might not think you need health insurance. You might look at it as an unnecessary expense - but health insurance can be affordable! That is not the only reason you should get ...
During your teenage years, you might have had your fair share of acne. And unfortunately for some people, acne is an issue well into their adult years. But acne is not the only skin condition that som...
While most people have heard of cerebral palsy, not everyone knows exactly what it means to live with this disorder, unless they are dealing with it personally. Cerebral palsy, commonly referred to as...
Medicare and Medicaid. These two words are so much alike that many people get them confused. They are both government-sponsored health insurance programs, but that is where the similarities end. One o...
Kidney disease can develop at any age, but adults 60 and older are more likely to develop kidney disease than younger people. This is because as we age, so do our kidneys According to research from Jo...
If you are thinking of offering group insurance or a HRA to your employees, or if you are already offering them one or both, you might be wondering how to withhold employee insurance premiums and your...
As we age, we become more prone to unexpected injuries because of weak bones or joints. Each year, almost 3 million older people are treated in emergency rooms for fall injuries, and over 300,000 of t...
President Joe Biden has nominated Chiquita Brooks-LaSure to be Administrator of the Centers for Medicare and Medicaid Services (CMS). Ms. Brooks-LaSure took part in setting up the ACA’s commercial h...
When you enroll in Medicare, you will find that there are actually quite a few out-of-pocket expenses associated with it. Part A has an annual deductible, as does Part B; Part B also has a monthly pre...
Offering employees health benefits is important for businesses in all fields to do, but nonprofit organizations often struggle to provide healthcare. Research conducted in 2019 found that only 18% of ...
Employee Assistance Programs (EAPs) have been around for longer than you might think, and have an interesting origin. They began in the 1940s as programs to help combat employee alcoholism, and from t...
Many Americans have lost their jobs, have had to change jobs, and are simply struggling financially because of the coronavirus pandemic. Some have lost their health insurance or are now underinsured. ...
Just one single lawsuit can damage your business beyond repair, so there’s no doubt that you need liability insurance. But it can be a challenge to figure out what kind of commercial insurance your ...
A concussion can happen to anyone at any time. Your child could get injured playing sports, or you could have a car accident during which you hit your head. A concussion is a traumatic brain injury ca...
They are frightening statistics, but important ones to know: approximately 21,750 women receive a new diagnosis of ovarian cancer each year, and of those diagnosed, 13,940 women die from the disease. ...
Although research shows that women live longer than men, that does not necessarily mean they are healthier. Both women and men are likely to develop chronic conditions as they age, and women tend to d...
The nation is still dealing with rising numbers of cases of the coronavirus, and is now also dealing with new variants of the disease linked to different countries. There have been many cases througho...
We have been living with the coronavirus pandemic for around a year now, and studies show that, because of this unique situation, mental health issues and suicide numbers are higher than they have eve...
Businesses grow and change all the time, which means that, at some point, you might need to modify your commercial insurance policies. While your policies are contracts, they are not completely set in...
When shopping for commercial insurance, it can seem like the choice of insurance companies is endless. There is so much you need to learn about each company, including whether they are “non-admitted...
One of the worst things that your business can be accused of is negligence, or the failure to properly ensure the safety of someone else. If you are accused of being negligent, you could end up facing...
The coronavirus pandemic has not only created hardship for many Americans, but it has also created a greater need for access to affordable healthcare. The governor of New York, Andrew Cuomo, is showin...
Your doctor might be the smartest and most compassionate person you know, but sometimes even they can make a mistake. We trust our doctors when it comes to our health, but when you are facing a new me...
When you decide to offer group health insurance to your employees, you will need to fill out multiple forms, and provide others to your employees. This can be a tedious process, but if you have an HR ...
On January 20, 2021, Joseph R. Biden, Jr. was sworn into office, making him the 46th President of the United States. Just hours after becoming President, Biden signed more than a dozen executive order...
Being a business owner has its perks, but it also comes with a lot of responsibilities. One of these responsibilities is keeping your employees happy and healthy by offering them some kind of health b...
Many of us spend our days sitting in front of our computers or scrolling on our cell phones for long periods of time. And with more people working from home, many of us are using devices more than eve...
Adding a new member to the family is exciting! Whether you are getting married, adopting children, or having a baby, a lot will change in your life, including your health insurance needs. To make sure...
Prescription drugs have become so expensive that one in ten Americans opts not to get a prescription filled because of its cost. In an effort to help control the cost of prescription medications, the ...
Throughout the 2020 campaign and after his election, President Biden put forward many proposals related to healthcare, including one to lower the Medicare eligibility age from 65 to 60. If this were t...
For many people, one of the biggest perks of their job is the health benefits. Being offered group health insurance can take a huge weight off of your shoulders. But what if you don’t have enough co...
Final expenses are not easy to talk about, but it is necessary to do so. Funerals can cost $10,000 or more, and this does not include other end-of-life expenses such as medical, legal or credit card b...
It might not be a subject that we like to think about, but unfortunately, we won’t be around to take care of our families forever. It is important, though, to plan for the future, because when we ar...
One of the best ways to attract and retain the best employees is to offer competitive benefits. These benefits can come in many forms and are an important part of any employee's compensation package. ...
When a loved one passes away, the last thing on your mind is your health insurance plan. But once you are ready to look into it, you might find that, unfortunately, there isn’t a lot of information ...
Health insurance can seem expensive if you’re only looking at the cost of premiums, copays, and deductibles, and not looking at how insurance works to actually help save you money. To understand how...
The coronavirus pandemic rages on, with cases of the disease at an all time high. On Friday, January 8, the U.S. reported 283,204 new COVID-19 cases, bringing the total to 21,862,773 cases. This is co...
When reading your commercial insurance policy, you might come across the term “waiver of subrogation.” Waiving subrogation rights means that your insurance company will be prohibited from “stepp...
Despite the fact that health insurance is an important and very popular employee benefit, many small business owners have been canceling their group insurance policies. For some business owners, even ...
When it comes to group health insurance plans, most people have heard of HMOs and PPOs. But how about Exclusive Provider Organization plans (EPOs)? While these plans are not as well known as HMOs and ...
Unfortunately, workplace accidents and injuries happen. When they do, it can be very costly for a business. If one of your employees is injured on the job, they can claim workers compensation benefits...
If you own a business, commercial insurance is a must. Depending on the type of business you own, you could need a number of different commercial policies. Having all of these different policies can c...
Children’s Mental Health Awareness Week is February 1st - 7th, and we want to take this time to focus on the mental health of children. The CDC estimates that approximately 1 in 5 children are deali...
In most cases, insurance companies cannot ask you about your medical history when you apply for a policy. One thing they can ask you, though, is whether you smoke and how often. If you vape, smoke, or...
According to the Centers for Medicare and Medicaid Services (CMS), heart disease has been the leading cause of death for Americans ages 65 and over for the past several decades. One in four deaths is ...
Chronic obstructive pulmonary disease, or COPD, is most common among individuals 65 and older. It is especially common among women age 65 to 74 years old. This disease is the third leading cause of de...
This year, Medicare Part B premiums rates are not the only rates on the rise. The Centers for Medicare and Medicaid (CMS) released the 2021 Medicare Part D rates back in October, and noted that, while...
You have probably heard or read about something like this in the news- a large company is hacked, leading to a major data breach. For example, not too long ago, big box store Target was the victim of ...
As much as we wish everyone was open-minded and accepting, the reality is that some people are not. Unfortunately, in your business, you could find yourself with an employee who acts in an inappropria...
The coronavirus pandemic has hit the country hard. Many Americans have been affected financially, and now Medicare-accepting doctors are going to be among those suffering a pay cut. A new rule that is...
Was your fall so busy with work and holiday prep that you totally missed Open Enrollment? The Open Enrollment Period began November 1 and ended December 15, and, for some, a little over a month to sig...
There are many advantages to purchasing a family health insurance plan. Having one of these plans is much cheaper than paying for individual plans for each person in your family, and will give you pea...
Health Reimbursement Arrangements (HRAs) and Health Savings Accounts (HSAs) are both great options for employees and employers who want to save money on group health insurance costs. Many employers ...
Ten months into the coronavirus pandemic and we are still in the thick of things, although there is now some light at the end of the tunnel. Many states, as well as other countries, are seeing a sharp...
Having health insurance is necessary for keeping you protected in the event of an emergency or accident. A full-coverage plan is usually your best bet, but in some cases you might decide to opt for a ...
One of the first steps in getting your business up and running is making sure it is insured. Once it is fully insured, you can rest easy knowing that your hard work is protected in the event of any mi...
The terms claim and lawsuit are often used interchangeably, but they have very different meanings and affect your business in very different ways. If you own a business, it is important to know the di...
If you were to be hit with a lawsuit, could you sustain it? If you did not have the right amount of coverage, you could lose the business you’ve worked so hard to build. An umbrella policy can provi...
Each year, the IRS sets contribution limits for Health Savings Accounts (HSAs). This year, HSA contribution limits are up by about 1.5% from 2020’s amount. New contribution limits for 2021 are going...
The Health Insurance Open Enrollment Period is over. To get the most savings, this year take a deep dive into all the plans available in your area, instead of just renewing your health insurance plan ...
Glaucoma is the cause of approximately 10% of cases of total blindness in the U.S. It mainly affects people over the age of 65; in fact, the American Academy of Family Physicians notes that about 75% ...
The Employee Retirement Income Security Act of 1974, also known as ERISA, was designed to define the rules and standards for retirement and healthcare benefits. It was created to protect the assets of...
Shopping for Medicare can be an exciting time; it is when you can find a plan that offers the coverage you need and saves you money. But it can also be a hectic and frustrating time, when you could ge...
As a small business owner, you want to take care of your employees; after all, they are the backbone of your business. Offering group health insurance is a great way to take care of them, but it can b...
In 2015, a U.S. Supreme Court decision gave same-sex couples the constitutional right to get married in all 50 states. Because same-sex marriages are now legally recognized, couples can receive each o...
Have you ever gotten acupuncture, or a chiropractic adjustment? If so, then you are one of the 40% of U.S. adults that use complementary and alternative medicine, also known as CAM. These days, some ...
You and your spouse are probably used to doing a lot of things together. While you were working, healthcare was probably one of the things that you participated in jointly. If you had an individual or...
Did you know that senior citizens over the age of 65 make up 14% of all chiropractic patients in the US? As people age, they can experience a loss of mobility due to bone and joint deterioration. This...
Original Medicare offers great health benefits for people ages 65 and older, but there are some expenses it does not fully cover. Medicare Part B covers 80% of most medical costs, leaving beneficiarie...
Health insurance plans change from year to year. Sometimes prices will change, and coverage will change: some things will no longer be covered, and some benefits will be added to your plan. As you loo...
Buyer's remorse- it happens to the best of us. It can even happen to you after you sign up for a health insurance plan. Now that Open Enrollment has ended and you have signed up for a plan, have you r...
Health insurance companies are projected to owe rebates to almost 8 million people this year. Are you one of them? According to the Kaiser Family Foundation, 7.9 million policyholders will receive som...
It is easy to find cheap commercial insurance, but, more likely, a cheap plan will not provide the coverage that your business needs. If a policy is a lot less expensive than others, there is usually ...
With age comes wear and tear to your body. Knees are especially vulnerable to damage because of how much use they get over the years. As you age, the cartilage in your knees wears down, and can become...
Insurance terminology can be confusing, you’re a business owner, not an insurance expert. It can be difficult to differentiate between terms, but it is crucial to understand the differences in order...
When it is time to enroll in Medicare, change your Medicare plan, or purchase a Medicare Supplement Plan, speaking to an agent is a great idea. But before you do, make sure you have all of your inform...
The Centers for Medicare & Medicaid Services (CMS) has finally released Medicare costs for 2021. Knowing these costs will help you decide whether to stick with Original Medicare or buy a Medicare ...
For many people, turning 65 and starting to collect Social Security means being automatically enrolled into Medicare. There are exceptions to this and ways to put off enrolling into Medicare, such as ...
Employers who have trouble providing their employees with a traditional group health insurance plan sometimes turn to health reimbursement arrangements (HRAs) to help. HRAs are not health insurance, t...
Whether it’s for a job, to attend school, or just to start a new life, moving is a life-changing event. Changing locations impacts a lot of things in your life, including your current health insuran...
One of the best ways to attract better employees is by offering group health insurance. Unfortunately, providing high quality health insurance usually means that your business is going to pay a lot fo...
Being a small business owner means being on a tight budget, so fitting in a group health insurance plan for your employees can seem a bit overwhelming. Offering group health insurance, though, is not ...
Open Enrollment for health insurance has begun. This period gives employers and employees the opportunity to change their benefit options, and many companies use this time to review their employees’...
While Medicare does not have a “network” of doctors in the same way that a private insurance policy does, there is still a risk that you could get hit with a bill if you see the wrong doctor. Medi...
It's 6 PM and your child is running a high fever. The pediatrician's office is closed, but you want to speak to a doctor immediately. Should you go to the emergency room? Use telehealth services? Or s...
As a small business owner, you want to provide the best for your employees. That includes offering group health insurance that will not break the bank. When researching group health plans for your emp...
When you own a small business that offers advice or services, there’s always a risk of lawsuits due to errors and omissions. Even if you have done your job to the best of your ability, something can...
Medicare Open Enrollment is the perfect opportunity for you to change plans and find ways to get more coverage and save money. Medicare Open Enrollment is also the perfect opportunity for scammers to ...
It can be easy to put safety on the back burner when working in a fast-paced environment, but having an unsafe workplace is bad for your employees, and bad for business. No business owner wants to be ...
Getting hit with an unexpected medical bill can be scary. It can happen to anyone; in fact, surprise medical bills have affected more than half of all Americans. Even if you have health insurance, the...
Having commercial insurance is important for your business. The right coverage mitigates any financial risks and protects you in case of any unexpected events. To make sure that your business has adeq...
Strokes are more common than you might think: they are one of the leading causes of death and disability in the US. According to the CDC, each year almost 800,000 people suffer a stroke. Nearly three-...
Open Enrollment begins on November 1, and the 2021 premium rates for ACA plans have now been announced. Rates will be increasing slightly, because insurance companies have had to shoulder the costs of...
It’s easy to simply purchase a health insurance plan, get comfortable with it, and not review it at the end of your year-long policy period. But if you automatically renew your plan and don't look a...
If you feel like healthcare costs are out of control, you’re not alone. It seems like costs are constantly rising, making it hard for many to afford a health insurance plan or their medications. Bec...
Allergies. Anyone can suffer from them, no matter their age. They can be seasonal, they can be food-related, they can be triggered by pets...but no matter the cause, they’re always annoying, and som...
One of the most common causes of repeat seizures is epilepsy. A diagnosis of this disorder usually comes after someone has experienced at least 2 seizures that were not caused by another medical condi...
Open Enrollment is less than 2 weeks away (November 1- December 15), so make sure you’re prepared! Whether you are enrolling in an individual health insurance plan for the first time, renewing your ...
Amid uncertainties about Medicare prices for 2021, Congress has taken action to provide some relief next year for the 64 million Medicare beneficiaries in the United States. On Wednesday, September ...
You're probably already familiar with Original Medicare, especially if you’re nearing the age of 65 and getting ready to enroll. You may not be aware, though, that there are some gaps in Original Me...
Approximately 80% of Medicare beneficiaries stay with the same Medicare plan year after year, which means that they could be losing money. You should resist the temptation to automatically re-enroll i...
According to a recent study, Medicare spent $1.4 billion on drugs in 2017 and 2018 that ended up being discarded. More specifically, Medicare spent $695 million on discarded Part B drugs in 2017, and ...
When was the last time you were checked for pancreatic cancer? This “silent killer” is difficult to diagnose early on, because it often causes no symptoms until it affects the organs around it. Ma...
It is a misconception that women over the age of 65 do not need regular pap smears or annual pelvic exams. One recent study conducted in San Francisco found that women over the age of 65 were less lik...
It's almost impossible to walk anywhere these days without seeing a smartphone in nearly everyone’s hand. Smartphones are wildly popular, and their technology has advanced greatly in the last few ye...
Starting a small business is a great accomplishment! It takes a lot of hard work, and you probably have a to-do list a mile long. One very important thing on your list should be finding a great group ...
October is Breast Cancer Awareness Month, and it is important that this month, and every month, we continue to focus on preventing and treating this disease. While raising awareness means listening to...
Health insurance is important for everyone, but it can be especially important for women. The right policy will provide coverage for reproductive healthcare, and for preventative services that can det...
How much money have you put into your health savings account recently? If the answer is “not much,” then you should put contributing to it at the top of your to-do list. As long as you are enrolle...
If this was your first year as a Medicare beneficiary, then you are heading into your first Medicare Open Enrollment Period. When you enrolled in Medicare, you chose whether to stick with Original Med...
Over 18 million Americans have some form of sleep apnea, and some need a Continuous Positive Airway Pressure (CPAP) machine. If you are enrolled in Medicare and are one of these millions of people wit...
Health insurance is complicated, and sometimes searching for a plan can leave you with a lot more questions than answers. Purchasing a health insurance plan is a huge investment, so you need to make s...
The price of medications has been steadily increasing over the years, and there is no sign that prices will be going down any time soon. Studies show that the prices of some top-selling brand-name med...
Healthcare claims for sexually transmitted diseases have reached record levels in the United States. Between 2007 and 2018 alone, private insurance claims for STDs rose by approximately 76%. According...
September is here, and with it will come important documents for Medicare's fall Open Enrollment. Medicare Open Enrollment, which is also referred to as the Annual Election Period (AEP), occurs every ...
Medicare Open Enrollment Period (October 15 - December 7) is right around the corner, so it’s time to start reviewing your current plan. Is it working for you? If you’re not totally satisfied with...
If your business is really taking off, and you’ve decided to expand, then you’ll need to start thinking about updating your commercial insurance policies. When you first started your business, you...
Breast cancer. Those two words can be terrifying, especially for older women. The median age for a breast cancer diagnosis is 61 years old, with 41% of breast cancer cases diagnosed in women age 65 an...
Prescription drug prices have been soaring over the past decade, leaving millions of Americans unable to afford the medications that they need. If you have a great health insurance plan, then you have...
According to the National Institute of Neurological Disorders and Stroke, over half a million people over the age of 65 suffer from a stroke every year. A stroke can be very serious, and can have long...
In order to ensure that hospitals, clinics, and other healthcare providers are not being overpaid for Medicare services, CMS usually conducts on-going audits. However, CMS suspended most fee-for-servi...
As fall approaches and the new school year begins, the coronavirus continues to spread in the U.S. Some universities have started allowing students to return to campuses, and their return has been acc...
According to the National Coalition Against Domestic Violence (NCADV), around 20 people are physically abused every minute in the United States by their partners. That equates to over 10 million women...
https://youtu.be/iAjLAfFym2o
Starting a small business and working from home is a goal for many people, and a reality for some. Those who are already living the dream will tell you that you need to...
The fastest a vaccine has ever been developed and made available for distribution is 4 years, but scientists are currently trying to develop one for the coronavirus in under a year. Scientists in doze...
The debate over the economic stimulus package continues, despite the fact that Congress is in recess. President Trump has been saying that he would step in if there was no agreement reached, and he ha...
All businesses go through rough patches, whether it be when they first start up, or when they are faced with unforeseen circumstances. If your business falls on hard times, you might end up feeling st...
With the coronavirus pandemic still hitting our country hard, many are hoping that a vaccine is on the horizon. While President Trump is claiming that a vaccine will be ready for distribution before e...
Medical bills can be a huge source of stress. They can seem like they are never ending, but there is actually a limit on how much you can spend on out-of-pocket healthcare costs. The out-of-pocket max...
Over the past few months, many people have gotten used to seeing their doctor virtually, or being able to call them from the comfort of their own home. Access to telemedicine was greatly expanded duri...
One in three Medicare beneficiaries has diabetes, which is more than 3 million people nationwide. Unfortunately, Medicare does not provide coverage for insulin. In May, President Trump announced that ...
The Affordable Care Act (ACA) changed a lot of things about the way healthcare works in the U.S. One of the changes it made was to create an open enrollment period for everyone shopping for a health i...
Many businesses are operating remotely, schooling is being done virtually, weddings have been postponed, masks and social distancing are the new norm, and it seems like no one has been left untouched ...
Ambulance rides are not cheap, they can range anywhere from hundreds to thousands of dollars. During a medical emergency, the last thing you want to worry about is if Medicare will cover the large amb...
When you sign up for Medicare, you will receive several preventive care services at no cost to you. The exams and screenings offered to you are meant to assess your overall health and your risk for de...
Transgender people have fought for a long time to get equal rights. One area that has seen great advancement is the healthcare industry. In the last few decades, the medical community has shifted from...
There are a lot of choices when it comes to Medicare Supplement Plans. You not only have the choice between 10 different letter plans, but you also have the choice of multiple companies to buy your pl...
Coronavirus continues to spread through the US like wildfire, with cases now topping 4 million. Some states, like California, are still seeing a large rise in case numbers, and death tolls in other st...
https://youtu.be/v_LEo0voojA
HMO, PPO, and POS, oh my! These are just some of the many different types of group health insurance options on the market. While it’s good to have options, having so ...
Medicare provides peace of mind. It’s great to know that it’ll be there after you retire and no longer have employer-based health insurance. But Medicare Part B only pays for 80% of your medical c...
Health insurance is worth the cost. Paying your monthly premiums can mean the difference between having your medical emergencies or chronic conditions covered, or being hit with huge medical bills and...
Colorectal cancer is the second leading cause of cancer-related deaths in men and women in the U.S. It is estimated that about 1 in 20 people will be diagnosed with colorectal cancer in their lifetime...
Over the past few weeks, coronavirus has been surging in almost every state, forcing two states to order refrigerated trucks for storing bodies, many states to shut back down, and some to begin consid...
The coronavirus hit America hard, forcing much of the country to shut down in mid-March. Schools closed their doors for the remainder of the 2019-2020 school year, and children were forced to continue...
Mental illness does not discriminate. It affects people of all ages, genders, ethnicities, and socio-economic classes. Health insurance claims for the treatment of depression, anxiety, and other menta...
Insurance companies are businesses, and, like most businesses, they have terms and conditions of service. It is possible for your health insurance to legally drop you, but only under certain circumsta...
Going through a divorce can be one of the most stressful and emotional experiences in someone’s life. Not only are you losing your partner and the dreams you shared, but also your sense of normalcy ...
There may come a time in many seniors’ lives when they require emergency hospitalization. The hospital provides the necessary treatment, then they might send the patient to a nursing care facility f...
Owning your own business can be a liability landmine. Just one mistake can mean the end of the business that you’ve invested so much time and money in. The biggest mistake you can make is not having...
As you age, your likelihood of developing cataracts increases. About 30% of Americans 65 and older have some kind of vision impairment from cataracts, and for those over 80, that number jumps to 50%. ...
Large breasts. Some women long to have them, some women love theirs, and others want to get rid of them. They are great food shelves, but they come with some major downsides. This includes the inabili...
The world of health insurance can be intimidating. There are so many industry terms, as well as different types of plans with different coverage options and prices. Doing all of the necessary research...
America is reopening and everyone is adjusting to the “new normal.” This new normal consists of businesses being open, but with people still being required to follow social distancing rules and we...
The cost of health insurance is not one size fits all. If you’re healthy, under 30, and facing financial hardship, you could have some cheaper options available to you. For people in these categorie...
Retirement. A simple word that has so much meaning to it. You have been working your whole life looking forward to the day you no longer have to work. Now that the time has finally come, you can begin...
Businesses in some parts of the country are finally up and running again, but things aren’t going smoothly. Some states are seeing the beginning of a second wave of the coronavirus, and the U.S. has...
High deductible health plans are rising in popularity, with more companies offering them and even more people purchasing them individually. These plans definitely have benefits, like their lower premi...
Did you know that 56% of employees would prefer health insurance over an increase in pay? Offering health insurance also means recruiting the best candidate for a job - most job seekers will not look ...
The Medicare for All debate is full of disagreements between politicians in regards to it’s future. Some Democrats advocate for the single-payer healthcare system that would eliminate private health...
States all over the country have begun transitioning to the yellow phase, allowing businesses to reopen. With businesses opening people are finally able to return to work resulting in a drop in unempl...
If you’re about to turn 65, then you have a lot to look forward to, including finally being able to take advantage of the Medicare benefits that you’ve worked so long for. You probably already kno...
The relationship you have with your doctor is an extremely important one. If you have established a great relationship with your doctor, then consider yourself lucky. Unfortunately though, not all doc...
Although many had hoped that the coronavirus crisis would begin to improve as summer approached, the CDC is predicting otherwise, and is forecasting more deaths for June. However, some states have alr...
If you are unhappy with your current health insurance policy, then it might be time to shop for a different plan. But can you purchase a new plan at any time? Yes, and no. For marketplace plans, once ...
This year it was out with the old and in with the new for Medicare. Out went Medicare Supplement Plan F and High Deductible Plan F, but in came High Deductible Plan G.
[caption id="attachment_540...
Now that you are 65 and enrolled in Medicare, you might find that you want a Medicare Supplement Plan to pay for the coverage gaps in Original Medicare. The first thing you need to do when deciding on...
President Trump notes ‘very sad milestone’ after U.S. coronavirus death toll surpasses 100,000- the highest number of any country. Parts of all 50 states have begun to reopen in phases, causing a ...
https://youtu.be/sxn18pmCpmc
Health insurance plans are complicated, and it can be hard to understand the ins and outs of what each plan has to offer. One of the things that you need to look at whe...
When you enroll in Medicare, you might find there are things you don’t love about it, like the out-of-pocket expenses of Part B or the lack of dental, vision, and prescription coverage. However, des...
https://youtu.be/WoDIdoOSWx0
Having health insurance is the best way to help keep healthcare costs manageable. When you are signed up for a health insurance plan, you have the peace of knowing that...
The coronavirus crisis continued in our country this week, but the focus of many people’s attention was the battle over when to reopen states and businesses. The federal stay-at-home order expired a...
There are different ways that diseases can be transmitted between people. Some can travel through the air and can infect anyone who breathes it in. These diseases are called airborne diseases. Airborn...
Medicare processes millions of claims each year, and some of them get denied. There can be any number of reasons why claims are denied, ranging from issues with billing codes to not meeting eligibilit...
2020 will bring more health insurance options for people in counties that have previously had few choices. This fall open enrollment period, people shopping in the ACA Marketplace will find about 60% ...
The number of cases and deaths from coronavirus continued to climb this week, with new confirmed cases surging to around 200,000 a day. Because of the rapid increase in new cases, a draft government r...
Enrolling in Medicare can be overwhelming. In addition to all of the new terms that you will need to learn, you will also need to learn about what is covered and how much you will pay for different se...
The coronavirus pandemic continues to affect the United States, with confirmed cases passing 1 million and deaths passing the 60,000 mark. This week, however, brought intensified talk about reopening ...
When many seniors enroll in Medicare , they find that the cost of Part B bills are more than they expected them to be. Luckily, there are a lot of options for Medicare Supplement Plans to help with th...
Got cabin fever? Bored being stuck with your family all day? We get it, but being quarantined with kids does not mean you have to suffer. While it can be challenging to find things to do around the ho...
With 62,603 deaths in America from the Coronavirus as of April 30th, it doesn’t feel as if the situation in our country is improving. However, the stay-at-home orders and social distancing measures ...
You have probably noticed throughout your life that taxes are being taken from your paycheck, most notably FICA (Federal Insurance Contributions Act). The FICA tax is what you pay towards Social Secur...
Are you over 65, working, and on your employer’s insurance? Are you looking into enrolling in Medicare as well? You can have both employer-based health insurance and Medicare at the same time, as lo...
The cost of health care continues to rise every year, making it harder for many people to afford their medical bills. Data collected over the years shows that doctor visits for people under 65 years o...
https://youtu.be/XgFQFasGdHI
Some people are unaware of all the tax deductions available to them, and might be missing out on great tax-savings opportunities. Remember, the more you can deduct, t...
The time has come and you have decided that you want to part ways with your health insurance plan. But can you actually cancel your policy? To answer the question, yes and no. You can cancel your heal...
As of April 14, total global deaths from Coronavirus have surpassed 100,000, with the U.S. accounting for about 31,000. Also on April 14, President Trump decided to halt funding to the World Health Or...
Remember just a few short months ago when it was dark by 5pm? In the depths of winter, the days can seem to stretch on forever, and it sometimes feels like crawling into bed immediately after dinner i...
According to the CDC, as of April 8, 48 U.S. states and 1 U.S. territory have reported some community spread of the coronavirus. Of these states, New York has the most confirmed cases and has seen 7...
72 million. According to a survey from The Commonwealth Fund, that is the number of working-age Americans who deal with medical debt. In 2019, over half of bankruptcies that were filed in the U.S. wer...
On March 6,2020, Congress signed the Coronavirus Preparedness and Response Supplemental Appropriations Act, which provides emergency relief to the nation during the current COVID-19 health emergency. ...
Protecting Americans and their health is a high priority, especially now during the COVID-19 pandemic. In order to help keep Americans safe, major health insurance providers are waiving copayments and...
Health insurance can be quite expensive, leaving individuals and families stressed due to medical costs. Over the years, health insurance rates have been slowly increasing, and this year is unfortun...
As millions of Americans lose their jobs due to the coronavirus crisis, they also find themselves without health insurance coverage. According to a report by FOX Business unemployment claims have hit ...
When people think of the word vaccines, they often think of babies and young kids. While immunizations are important for children, they are just as important for seniors. Older adults should get vacci...
As everyone is now aware, we are currently in the middle of a global pandemic. This week, Italy recorded its lowest death toll since the beginning of the outbreak, but other countries, including the U...
https://youtu.be/MtLcBhjk19E
Losing a job is not easy. You lose the money that paid your bills, and you lose the health insurance that protected you and your family’s health. But you do not have ...
Looking for Medicare quotes? Did you use Medicare’s Plan Finder Tool on their site, Medicare.gov? If so, you could’ve been given the wrong information, which could be costing you hundreds of dolla...
Before President Trump was elected, one of his campaign promises to Americans was that he would not touch Medicare or Social Security. He has now proposed a budget plan for Medicare, which he claims w...
https://youtu.be/tpb2P6osirg
Ever work with a company and feel like they are doing the bare minimum? We have been there, which is why EZ.Insure goes out of our way to make sure our customers come f...
https://youtu.be/AdiuEzau6rI
Nothing is worse than having to constantly search for insurance plans on different sites. All the back and forth is not only time consuming, but it can be frustrating. ...
https://youtu.be/Sf-UH1h32tw
Telemarketers. The continuous, pesky monsters that call at all times of the day asking if you are in need of assistance. Generally they start calling right around the t...
https://youtu.be/tU2SNlpJr8s
Insurance is a complex thing. When the time comes to pick the best plan, you want to make sure you know that you chose the one that meets your needs and budget. Doing t...
Previously, if Americans did not have health insurance, they would face a penalty, or tax, called the individual mandate penalty. Thanks to the Tax Cuts and Jobs Act, the penalty no longer exists. How...
https://youtu.be/UmCe0ytrmao
If you offer health insurance to your employees, it can be costly, but luckily there is a silver lining- the small business health care tax credit! One of the provision...
Many people wonder if Humana and Medicare are the same. Simply put, no. Medicare is a government administered health insurance program, and Humana is one of the largest private insurance companies. Pe...
If you are turning 65 soon you might be looking for information on your Medicare eligibility, and what exactly having Medicare means. Medicare provides insurance to seniors under plans known as Part...
Group health plan, and group health insurance plan. These two words are used interchangeably, because they are almost the same thing. Almost. There are some key differences between the two. One is act...
Approximately 1 in 5 older adults suffer from a mental disorder. Declining health issues bring on these kinds of challenges that require medical attention. It is important to know if the services that...
There are many terms in health insurance that you need to understand. Some include deductibles, premiums, copays, and coinsurance. A lot of people confuse copay and coinsurance and think that when the...
Cigna, and small startup insurance company Oscar are teaming to begin offering small business health insurance options that are fully insured. The plans will be branded as Cigna + Oscar, and both comp...
https://youtu.be/8t1gXzOXWoQ
Nothing beats being your own boss! If you are self-employed, then you are probably wondering about your health insurance options. Don’t worry, you do not have to brea...
Medical costs in the U.S. are high, which is why a lot of employees look for a job that offers health insurance. Over 88% of people consider health insurance benefits when choosing a job. For companie...
There are an array of health insurance plans to choose from, and it can be difficult to choose the one that meets your exact needs and budget. If you are healthy, then considering a catastrophic healt...
When dealing with an illness or disability that leads to the assistance of durable medical equipment such as an adjustable bed. Questions come up, mainly how much they are, and if the costs of these b...
If you are enrolling in your employer’s health insurance, you might have some questions regarding which kind of plan to choose. Your employer might offer a high deductible plan, in which you can sig...
Accidents happen. If an employee gets hurt at work, not only can you lose a lot of money in a lawsuit, but you can lose your business as well. The best way to protect yourself is with a Workers’ Com...
Medical life alert systems were created to help older adults in the unfortunate event of a fall, or a medical emergency. Generally, these alert devices are worn around the neck or on the wrist, so tha...
https://youtu.be/s0eSB-CQ9yw
When a person is eligible for benefits under two health insurance plans, it is called Coordination of Benefits. Suppose you start a new job, but do not want to necessar...
Intermittent fasting has become a popular trend over the past couple of years. Why? Well it has so many benefits, such as helping shed extra pounds, improving health, and helping you live longer! Cont...
Too much of anything can be a bad thing, even something that's good for you like water! We are told by doctors and nutritionists that we should be drinking at least 8 cups of water a day. This has bee...
As you age, being fit is more important than ever in order to stay healthy, and enhance your overall quality of life. Going to the gym is beneficial in order to build muscle and hop on the treadmill t...
After having sex with someone new, whether you use protection or not, sometimes your mind will begin to think and fear the possibility of an STI. STIs such as chlamydia, HPV, herpes, and gonorrhea are...
Did you know that a balanced pH level of a vagina is between 3.8 and 4.5? When pH levels are not in this range, bacteria can thrive, and cause different infections, such as a urinary tract infection, ...
In the past, when you would have surgery, you were most likely to spend a couple of days recovering in the hospital. As medicine advanced, people are now able to have their gallbladder removed and be ...
Choosing a health insurance company and plan can be complicated, and very time consuming. Companies and the plans they offer vary state by state. When it is time to start researching companies and pla...
Medicare normally kicks in when you turn 65. You can enroll 3 months before you turn 65, the month you turn 65, and three months after the month you turn 65. While it is mandatory to enroll when you t...
The federal government designed a tool to help seniors navigate through all their possible Medicare choices. This was created for them to be able to choose their best option. There have been some bugs...
https://youtu.be/FXWGff0Voao
The time has come, and you find yourself in need of a new insurance plan. A sense of anxiety sets in, and you slowly become overwhelmed with researching. When shopping ...
Medicare is a federal health insurance program for people who are 65 and older. Medicare works within a network of doctors to provide beneficiaries, like yourself, with proper care. However, sometimes...
In the past, when a person had hemophilia, it meant they had a very short life expectancy, around 20-30 years. Thanks to research, over the past 7 decades, the life expectancy has increased almost 10-...
https://youtu.be/vjFj1Irq4j8
You worked hard to create your business, building it from the ground up, research, elbow grease, and, of course, capital.
A simple mistake can happen, and ...
Medicare and Medicaid are two government-run health care programs. The two programs sound similar, but they are far from it. They serve different people, and are both operated and funded by different ...
Searching for the perfect plan can take a long time, and sometimes the search is never-ending. After some time, or due to time constraints, people will just settle with something to end the frustratio...
If you want to increase longevity, research suggests optimism could be the cheat code. A new study finds that people who are optimistic and have a cheerful outlook on life are more likely to live abou...
https://youtu.be/C90QrwZ0FaQ
Health insurance is complex. With a variety of coverage options offered by dozens of insurance companies, shopping for a new policy can go from a chore to overwhelming ...
When the fall open enrollment begins, it’s time to think about different insurance options that will best suit your budget and needs. You might choose to enroll in a health savings account (HSA) or ...
When you sign up for a health insurance plan, there are fees that accompany the policy. These fees are premiums, copays, and deductibles. While copays aren’t cheap, the deductible and monthly premiu...
Bowel movements are a regular part of healthy digestion, it is the way our body removes waste. After you eat a meal, your body will take the vitamins and nutrients from the food, and then get rid of t...
In your circulatory system, blood pressure is the force of blood moving through your veins. It carries oxygen-rich cells to all parts of your body.
When you get your blood pressure checked, they...
Once you sign up for a health insurance plan, you are immediately expected to start monthly premium payments. Then, if you incur medical expenses such as lab work, you are expected to pay these expens...
Intermittent fasting is a hot trend. Going 16-18 hours a day without consuming any calories does not sound that easy, but it can be. Recent studies show that there are long-term benefits to intermitte...
If you have Medicare, you probably already know that you aren’t covered for dental or vision under the program. That is unless you purchase additional coverage through Advantage or standalone polici...
When you are in the market for health insurance, you will come across two popular terms: PPO and HMO. Health Maintenance Organization(HMO) and Preferred Provider Organization(PPO). These are two of th...
A dress that you can wear to a wedding, the office, and running errands? Yes, please! It fits everyone, and every occasion!
After doing some research, we have found the dress--the perfect garment t...
https://youtu.be/b0ill1okyWM
Competition between insurance companies is fierce. While some offer tempting deals, hooked discounts, or otherwise, others will make unfounded claims that they’re the...
Medicare provides seniors with the necessary care they need. However, this is not the case when it comes to dental coverage. People 60 years old, and older often face dental issues. At least 20% of th...
Imagine opening up a hospital bill for last month’s procedure, and it’s way more than you expected. You don’t understand why it is so high, especially since it was within your network coverage. ...
Getting older means dealing with things like menopause, gray hairs, and wrinkles. As we age, our skin loses elasticity and collagen. The loss of these two proteins causes the skin to look saggy and le...
A new year means new rates. This is especially true for health insurance, and more so in the state of Pennsylvania. The ACA Marketplace individual plan costs are going up for PA next year by 4%, accor...
https://youtu.be/YG5LYZJlb7o
When it comes to health insurance, people typically hold off on getting it until they need it. Health insurance can be quite expensive, which is why many healthy people...
Bone broth or liquid gold?
Drinking bone broth offers many health benefits. Want a better digestive system? Drink some bone broth. Something to help ease the joint pain? Drink bone broth! When adde...
When you start a new job, you might be offered group health insurance. Employer health insurance is usually cheaper than an individual plan, which is why an attractive benefits plan is such a big deal...
Health insurance doesn’t cover everything--a bitter pill to swallow considering how expensive it is. While we can’t control which services are covered (or how much to pay for them), we can underst...
https://youtu.be/sAbWkHTcDj0
The moment you go online, websites collect your information. This is especially true when you volunteer it for applications. It’s almost unavoidable when you want to ...
https://youtu.be/j9F7UH3MpYg
The time has come to research insurance plans, whether Medicare, health, group, or commercial insurance. There is a ton of information on each type, and so many differe...
With all of the recent talk and debates about “Medicare For All”, President Trump has decided to take action. In October, Trump signed an executive order while visiting Florida, pertaining to the ...
https://youtu.be/oj0OJidfCDs
When it comes to getting insurance, all companies are the same right? Wrong. When we started EZ.Insure, we were sick and tired of watching people struggle with other co...
Hot flashes. Mood changes. Chills. Slowed metabolism. And worst of all, vaginal dryness. These are just some of the symptoms that accompany menopause.
When the time comes, menopause will be a new p...
Everyone’s worst nightmare is losing their home. As you get older, you might find yourself needing extra care, thus moving into a nursing care facility. These facilities are not cheap, and you will ...
Many people think that HIV and AIDS are the same things, using the two words interchangeably. While they are connected, they are two distinct illnesses.
[caption id="attachment_3787" al...
Picture this: you’re on a date with someone--finally, after weeks of texting and phone calls. The date goes well, and you guys hook up.
Then, bam!
Just when you thought you were ...
Influenza is back again--and the CDC (Center for Disease Control and Prevention) has sky-high estimates for this year. During the 2018-2019 flu season, up to 647,000 people were hospitalized and 61,...
Christmas is the most wonderful time of the year, to some. To others, especially lonely seniors, it is a very depressing time. Some seniors exist in the “assisted living” environment; they canno...
If you are like me, then talking dirty can lead to some cringe-worthy moments. It’s no secret that “dirty talk” is one part of sex that most people, well, talk about.
I get it--it’s a...
Hearing loss affects one-third of people over the age of 65, and two-thirds of those over 70. Many people who deal with hearing loss refuse a hearing aid, even when their insurance helps pay for it....
You would think with the rise of Human Papillomavirus(HPV) cases, the number of vaccinations would also rise. Unfortunately, this isn’t the case. HPV is the most common STI because people don’t ...
What better time for selflessness than the holidays? And nothing says “selfless” like volunteering. Volunteering can greatly impact your community and make a difference. Not only do you help oth...
Big changes are coming for Medicare next year, affecting your coverage and wallet. Medicare Supplement plans C and F will disappear. Part B premiums and deductibles will rise. And for the first ti...
When you think of Thanksgiving, many things come to mind, generally turkey, mac and cheese, mashed potatoes, gravy, and green bean casserole to name a few. Very few think of veganism or any sort of Th...
Following the recent democratic debates, Mayor of South Bend, IN, Pete Buttigieg has sparked conversations lately. The democratic debate found disagreements and controversy revolving around healthca...
There was confusion and misinformation regarding the 3-day rule for skilled nursing facility coverage. In order to get the 100 days of skilled nursing coverage from Medicare, the mandate states a bene...
A little bit of kindness goes a long way, even something as simple as a smile. November 13 is World Kindness Day, while you are not obligated to do some large generous act, or even participate at all ...
When a person is diagnosed with lung cancer, the first question asked is “were they a smoker?” The reason is that most people believe you only get lung cancer from smoking cigarettes. Whereas the ...
It is more common for retired seniors to work. Almost 27% of people aged 65-74 are in the workforce, and the projected stats are rising. Some seek extra money, while others do it to pass the time. Whe...
Veganism is slowly taking over the country, and not because it is a “fad.” The countless health benefits it provides have people sharing their stories, and encouraging others to give it a try. Man...
Insurers were given a pass in 2019 by Congress regarding their annual health insurance tax. The reason was that the government was concerned about consumers’ out-of-pocket costs. However, if the ACA...
When people think of an epileptic seizure, they imagine a person convulsing on the ground. This is normally what occurs, but for older adults, that is not the case. Older adults experience seizures su...
The number of people with diabetes has risen from 108 million to 422 million in only 35 years, and the rate of increase is getting worse. Diabetes affects the body’s ability to produce or use insuli...
Chronic obstructive pulmonary disease, COPD, is common with almost 12 million people in the U.S. diagnosed every year. Of those adults who are diagnosed, about 120,000 die from it annually. COPD inclu...
Sex is an act that comes in many forms. There is vanilla sex, kinky sex, fetishes, BDSM, and so much more. People learn about sex at a fairly young age, and their knowledge expands as they get older b...
For American men, prostate cancer is the second most common cancer, and the second most deadly. It is worse for African American men compared to Caucasian men, and any other men of color. There are tr...
In the U.S., 1 in 10 births is premature. Full-term pregnancies last from 39 to 40 weeks. “Preterm labor” is when labor begins earlier than 37 weeks of pregnancy, and can lead to premature birth. ...
https://youtu.be/GOMlt8CKyOQ
Not convinced small business coverage is worth it? Find out why we think it is.
1. It’s Cake.
As a business owner, your greatest currency is time. So the last thi...
If you are a fan of the Golden Girls, then you know that having good friends keeps you going. According to research, this is especially true for “SuperAgers.” SuperAgers are people in their 80s or...
Long-distance relationships require a lot of patience and work. Not being able to physically touch the person you love is not easy. Many times it can be extremely hard, but studies show that couples w...
Balancing your exercises, counting calories, and staying on track can be overwhelming. It is also time-consuming, which is why people often give up on their fitness plan and goals. Thanks to technolog...
It’s the summer of 2006. I’m in the shower.
I decide to give myself a breast exam after learning about it in school.
“What is this? Is this a lump?”
Panic sets in.
It is a lump and pretty ...
Some days are just rough, and can be both hectic and stressful. We’ve all been there; you snooze your alarm one too many times and end up late for work. Worse yet, there is traffic on the way, and y...
Many women find it hard to achieve orgasm. Because of this, some women fake an orgasm when they are with their partner. In fact, a 2010 study found that over 50% of women reported “faking it” duri...
Manipulation is hard to spot and practiced manipulators prey on your good intentions. It is especially hard for people to recognize it when they are in a romantic relationship. Manipulators will twist...
Medicare does not typically cover acupuncture or chiropractic care for seniors. If you do decide to take any of these treatments, then you will be responsible for 100% of the costs. With the price tag...
“The Talk.”
The one talk that every parent dreads having with their child: sex. Too many parents do not know when the appropriate age is to start sexual education. The more curious your kids are,...
Coffee is one of the most popular drinks in the world and has been for a while. It gives you a boost when you first wake up, the smell is satisfying, and it tastes delicious. In the past, negative asp...
By now, you have most likely have heard of people sending pictures of their feet for money. It might seem odd to some people, but for those on the receiving end of those pictures, it is invigorating. ...
For some people, Halloween is the best day of the year. It is filled with horror movies, spooky decorations, costumes, and plenty of candy. The bountiful candy is delicious, but it is important to pra...
Almost every parent with an extremely energetic child has thought it: is my child just super energetic, or do they have Attention Deficit Hyperactivity Disorder(ADHD)? The number of children diagnosed...
Finding love at any age can be difficult, but the older you get, the more difficult it becomes. Whether you have faced the loss of your spouse, or divorce, getting back out there is not easy. You may ...
Suicide is often associated with young people, but it is in fact much more common among seniors. The suicide risk increases with age, and is unfortunately hard to estimate the exact number due to “s...
Millions of women with polycystic ovary syndrome do not know they have it. The reason is that the signs and symptoms are considered normal issues among women, so it is overlooked. Skipping a period or...
AFib, known as Atrial Fibrillation, is an irregular heartbeat that can lead to stroke, heart failure, blood clots, and other heart issues. Almost 3 million Americans live with AFib. The condition is g...
Cannabis, also known as medical marijuana, has been growing in popularity and is even being legalized in numerous states around the U.S. Cannabidiol, or CBD oil, is the non-psychoactive chemical found...
Finding a cure for Alzheimer’s has been a battle for scientists and researchers for years. Researchers even created a game that people can play to help detect early stages of Alzheimer’s. There ha...
Head lice are common among children aged 3-11. These pesky mites are everywhere, and it does not matter the demographic, whether rich or poor. It even infests the cleanest of heads, which they actuall...
[caption id="attachment_3228" align="alignright" width="205"] The rate of STIs has been steadily increasing in recent years. This is probably due to the fact that people avoid the topic.[/caption]
In...
Sometimes during sex, things do not go as planned. A condom can break, or you might realize you forgot to take your birth control. This is where anxiety sets in. Luckily, there is an over-the-counter,...
Suicide has been a hot topic due to the continual rise every year. The suicide rate rose in all the states between 1999 and 2016, except for Nevada, and continues to climb every year since. Suicide ha...
The time has come. You made it to 26 with health insurance coverage through your parents. But now your birthday is approaching and are getting kicked off your parent's health insurance plan. You...
September 8 is Grandparents Day, and you are probably wondering what kind of gift would show how special they are to you. Buying a gift for your grandparents can be tough, especially when they have ex...
The prostate is about the size of a walnut and wraps around the tube that carries urine out of the bladder in men. It grows larger, the older you get, but if it gets too large, then health issues can ...
You sit at a gathering, and you hear your favorite song come on. You scoot around in your chair, resisting the urge to get up and dance because you are either hesitant to get hurt, or feel embarrassed...
Fall Prevention Day is September 23rd, so now is the perfect time to start the conversation about tips to prevent falls, especially for seniors. Falls happen to everyone, no matter what your age is, b...
Stuck in traffic after a long day of work? No motivation to go to the gym? Well, do not lose hope. Virtual reality gyms are popping up, as well as stations in gyms, and virtual reality exercise games ...
Getting older can bring on challenges with one’s mental and physical state. Friends and loved ones may not come as often to visit, and you can become lonely, and depressed. One way to battle lonelin...
If you have noticed recent stomach issues, such as nausea, reduced appetite, and abdominal pain, then you might be dealing with gastroparesis. The word ‘gastro’ means stomach, and the word ‘pare...
You stand there in the mirror, picking out the negative things about your post-baby body: loose skin here, stretch marks there, and cellulite everywhere. You reminisce about the body you had before ha...
When President Trump took office, one of his campaign promises was to get rid of Obamacare also known as the Affordable Care Act (ACA), and replace it with new health care. Trump delivered on this cam...
Acupuncture has been used as a form of alternative medicine in China for centuries. It has many benefits, and has been said to cure ailments in the body, including sexual ones. There are pressure poin...
After retirement, some seniors decide to embark on a new challenge: moving. You may want to relocate to a warmer place that is more “senior friendly.” A lot goes into planning when moving, and it ...
I hear the kid’s bedroom door open, so my eyes open as well.
I look at the clock,
it is 2 a.m.
I hear little footsteps go down the stairs as I stare at the ceiling.
Next thing ...
If you had chicken pox when you were younger, then you are at a high risk of getting shingles when you are older. Shingles typically occur in people 50 and older, and can be extremely painful. New res...
Every 65 seconds, someone in the United States develops Alzheimer’s. This degenerative brain disease is the 6th leading cause of death in the United States, and almost 6 million Americans are living...
Unfortunately, the sad reality is that criminals target seniors seen as weak, easy prey. A U.S. Department of Justice report noted that between 2003 and 2013, 93 percent of all crimes against people o...
What you eat affects your overall health and well-being, it is no secret that specific diets focus on curing bodily ailments. This is especially true for people dealing with psoriasis and other chroni...
You might have seen someone at your local gym wearing a mask that looks like Bane from the movie Batman, and wondered, “what is going on? Are they wearing this mask to look cool? What does it do? Ar...
August is National Breastfeeding Month, and breastfeeding is an intricate topic. This stems from there being more to it than just putting a nipple in a baby's mouth. Many women face latching issues wi...
In April, Senator Bernie Sanders introduced a new version of his “Medicare for All” bill, a single-payer health care that would eliminate private health insurance companies. Under Medicare for All...
Whether you have been in a long-term relationship or a fairly new relationship, good sex is important. Want to know the secret to having better sex? Sexercise! Sexercises are not only exercises you ca...
When it comes to buying health insurance, there are two main factors to consider: what the plan offers, and how much it costs. People confuse the two terms “premiums” and “deductibles.” These ...
As the time approaches birth, a question may come up amongst your doctor, partner, or friends. Are you keeping your cord blood after? Cord blood is the blood from the umbilical cord and placenta. Ther...
Medical underwriting is a process when a private insurance company reviews your medical history to determine whether they will provide you with coverage, how much to charge you, and whether to set a w...
Stem cell research has been a controversial issue between politicians, scientists, and religious groups since the 1990s. There are two primary stem cell research types: adult stem cells, and embryonic...
Fasting is a practice that dates back through centuries in religion and cultures. Recently, fasting became quite popular in America due to the claims of health benefits, mainly weight loss. There are ...
Many seniors think that they have to collect their Social Security benefits in order to enroll in Medicare. While yes, Medicare and Social Security go hand in hand in some ways, it does not necessaril...
Seniors are living longer, healthier, and more active lives. Because of this, more seniors are on the road driving, and research even shows that they are crashing less often in comparison to 10 years ...
Art has been displayed throughout history, dating as far back as the ancient Egyptians using hieroglyphics to tell their stories. Older adults have been living longer, taking on new activities, and ad...
I will never forget the time I was at a Labor Day party, checking on my kids, who were 4 and 2 at the time, and someone at the party made a helicopter noise with their mouth. I stopped and looked at h...
According to the CDC, about 75% of people living with Hepatitis C were born during 1945-1965. People born between these years are generally referred to as the “baby boomers,” and they are five tim...
Cystic Fibrosis is a genetic condition that affects protein in the body, which causes thickened mucus to form in the lungs, lung infections, and can lead to malnutrition. This condition will eventuall...
Women have various ways to prevent pregnancy, such as IUDs, injections, vaginal rings, diaphragms, the pill, and more. Birth control pills have been available to women for over 60 years. As for men, t...
In a marriage the D word is not an easy pill to swallow. Divorce is normal at any age, but recently the divorce rate among couples in long-term marriages is increasing. While the average American divo...
Many Medicare beneficiaries confuse a yearly physical with a yearly wellness exam. Medicare WILL cover an annual wellness visit, but WILL NOT cover an annual physical. If you do not clarify exactly wh...
A stroke can be horrifying, leaving the person with various challenges to overcome afterward. Aphasia is one of these challenges, caused by damage to the brain. It affects about 2 million Americans an...
If you have been diagnosed with scoliosis, then you are aware of the corrective options: either a brace or surgery. But, did you know there are exercises you can do to help correct it? Well, there are...
Yes, you read it correctly, eat whatever you want at the right time and lose weight. The Chrono Diet sounds too good to be true, but it has been shown to work, as long as you stick to the strict rules...
Athletes soak in an ice bath to improve performance and to recover from muscle pains and spasms. Since the late 1970s, Japan has been using cold treatments, exposing the body to temperatures below -20...
According to research, postpartum depression affects about one in seven women. It is a serious mental illness, and can lead down harmful roads like experiencing thoughts about taking your own life, or...
It is that time of year again, the sun is out, the birds are singing, and the days are longer. With the sun and summer months, also comes the heat. If you are not hydrated throughout the day, especial...
Every year, about 11 million couples try to conceive a child, and about 7 million of them have male fertility issues. In the US, about 1 in 8 couples experience this. The reason? Low sperm count. Almo...
Imagine walking up to the pharmacy and hearing that your medication is no longer covered by Medicare, followed by the price of the drug. This happens often, and it can be overwhelming. Fortunately, th...
Everyone has heard of the word “hernia,” and the pain that accompanies it, but what does it actually mean? A hernia is when an organ, usually in the abdomen or groin, pushes through an opening in ...
Open relationships. The first thought that comes to a lot of people’s minds is, “how does that even work?” Or, “I could never!” But many others consider and even prefer the non-monogamous ro...
Now that you have retired, you are probably sitting around wondering what you should do with all of your free time. Save up some money, and go travel! Traveling has so many positive health benefits th...
It is common knowledge that the older a woman gets, the riskier it is to have a baby. This goes for both the mother and the baby. The older parents are when they have a child, the more likely they are...
This year, the CDC estimates over 7,000 deaths will occur because of melanoma, a form of skin cancer. A lot of people only apply sunscreen when going to the beach or pool. That is one of the biggest m...
Over the past couple of months, President Trump has made a few promises to the public regarding healthcare. Just this past December, he promised to protect pre-existing conditions, and now during his ...
Black cones, black ice cream, black smoothies, black everything! It seems the dark side has taken over for the benefit of your health. But is it really beneficial? Activated charcoal has become one of...
A major reason why seniors fall, break a hip, or get injured is due to lack of physical activity, and balance/flexibility issues. As you age, your bones become less dense and more fragile. You may fee...
Having a baby is considered one of life’s happiest, and most indescribable moments. You spend 9 months growing this little treasure inside of you, and then when it is time, the baby makes its way in...
#LetsTalkAboutHD is a social media campaign whose creation was to bring hope and awareness to Huntington’s Disease, HD. The disease affects one out of every 10,000 people a year, which is about 30,0...
Considering a Medicare Supplement Plan? There are 10 different plans to choose from. Of those choices, Plan G and Plan N are the most popular. Choosing between the two can be tough because they have m...
Most people would love the opportunity to live forever, while science hasn’t found a way to live eternally yet, studies are showing there are ways to make sure you live as long as possible with si...
There were some interesting and exotic burials decades ago, such as Egyptian mummification, Indians throwing themselves into a river, and Vikings launched out on ship-made crematoriums. Americans adop...
Allergies are one of the most unpredictable things in anyone’s life. It can happen at any point in your life as well, whether you are born with it, or just develop one young, or old. And to top it o...
Everyone who has sex has one main goal in the end, an orgasm. A sex trend, Karezza was introduced a couple of years ago, and it has people raving about it. Karezza aims for you to feel more pleasure a...
Just when you think that you are aware of all the scams going around and feel educated and safe, another one is created. Unfortunately, scammers never stop trying to take your money and get your infor...
Did you know that glaucoma is the second leading cause for blindness in the world? While everyone is at risk for developing glaucoma, people over the age of 60 have a higher risk. Statistics show that...
Based off personal experience, oh yeah! When you are married for a long time, a lot of your texts between your spouse become short, and based on important topics. These topics generally include dinner...
Recently, actress Selma Blair opened up about her diagnosis of MS, what occurs during her flare-ups, and how she fights through it. This has brought a lot of attention, and awareness of the disease. M...
Seniors being unable to use the computer has been a longstanding stereotype. However, people over the age of 60 access the internet more than ever. YouTube is a free website that provides people the a...
Heart disease is the number one killer in America. It affects African Americans more than members of any other race or ethnic background. According to the CDC (Centers for Disease Control and Preventi...
Lush, if you have ever had the pleasure of shopping at this store, then consider yourself lucky. This company prides itself on their fresh handmade cosmetics. But does it work? We took the liberty of ...
Do you ever have menstrual cramp-like pain that can be so unbearable that you can’t go about your normal daily activities? Is it sometimes painful during sex? If you answered yes to either of ...
As you age and your body changes, your sex life does as well. This does not mean that your sex life is no longer existent. A senior can still have a satisfying, healthy, and exciting sex life. Not onl...
Diseases often get misdiagnosed due to similar symptoms. This is especially true for dementia and depression, because the symptoms mimic one another. Pseudodementia is a term used to describe symptoms...
A couple of weeks ago, I published an article regarding the allegations against R. Kelly, made by his victims who came forward. In the article, I focused on how a sexual predator like him got away wit...
Technology has become a huge part of our daily lives, increasing screen time more than ever. Screen time is not just limited to cell phones, but also includes tv, tablets, and your computer. For some ...
Hypertension, another name for high blood pressure, can lead to serious complications including heart disease, stroke, and death. One in 3 adults have hypertension, which is about 75 million Americans...
It has always been said that being around kids keeps you young, and this theory applies to seniors as well. Seniors who babysit, or are around their grandchildren often live up to 5 years longer than ...
Period sex. The first thought that pops into a lot of women’s heads is “gross,” and it is off-limits. There are a lot of reasons women think period sex is off limits. You may not feel comfortabl...
Hearing that someone you love is diagnosed with Alzheimer’s can be devastating. It is not only tough for the person going through it, it is also tough for the entire family. Over 16 million people i...
Usually we are unaware of how much salt we consume in a day. Around 75% of the things we eat already have salt in it, even things like bread, and cereal. It is important to keep an eye on our salt...
Helping prevent cancer is so easy it might surprise you. It is as simple as adding the right types of food to your diet to decrease your chances! While there is no magical fruit or vegetable that will...
An eating disorder is a mental illness that involves abnormal eating, whether not eating at all, binging and purging, or overeating. Eating disorders impact a person’s mental and physical health neg...
Aging not only brings on wrinkles and hair graying, it also brings on some health issues. Conditions develop and progress with age, and these conditions should be monitored so they do not reduce your ...
“Have you been flossing regularly?” The question a lot of people dread hearing from the dentist, and never really answer truthfully. A survey conducted around the U.S. resulted in the truth- that ...
With the weather getting worse during the winter months, you end up getting stuck inside your home a lot. Being cooped up indoors for a long time can drive anyone crazy, and for some cause seasonal af...
In recent news, Apple watches have been the reason for saving some lives by monitoring their heart rates. WatchOS 4 was installed in Apple watches which when enabled; the feature tells the owner...
Just before Christmas, a federal Texas judge, Reed O’Connor, ruled that the entire Affordable Care Act, also known as Obamacare, was unconstitutional. This all began December 2017, when President Tr...
Studies show that bad habits can age you almost 12 years and shorten your lifespan. These things are smoking, drinking, not exercising, and not eating healthier foods, especially fruits and vegetables...
The American Cancer Society estimates 13,000 women to be diagnosed with cervical cancer this year. About 50% of these women are 50 or over, and 15% of them are aged 65 and older. Cervical cancer can e...
As we age, the more critical it is to become healthy and strengthen your heart health. Heart disease is the lead cause of death among women and men, killing over 600,000 Americans every year. If you d...
Plastered all over the media right now is the R. Kelly docu-series featuring the stories of victims coming forward to talk about the sexual, emotional, and physical abuse perpetrated by R. Kelly. But...
Children and adolescents experience mental health issues the same way adults do. The faster it is recognized, then the faster the treatment for the children, which will help them in the long run. Chil...
Virtual doctor conferencing, also known as telehealth, has advanced tremendously in recent years and is not becoming the popular route for patients instead of going into the doctor’s office. You can...
The Centers for Medicare & Medicaid Services, CMS, announced that they will begin covering Medicare cancer patients’ diagnostic lab tests using gene sequencing technology. It began last November...
Human trafficking has become a global epidemic with millions of women, children, and men as victims. Human trafficking is when victims are recruited and transported across states, and even borders int...
Medicare has major coverage gaps, most notably that Part B pays only 80 percent of covered expenses, and the other 20 percent must be paid by the consumer. When you purchase a Medicare Supplement plan...
In 2014, the Affordable Care Act established the premium tax credit so that individuals or families with low or moderate income can be able to pay for health insurance through the Health Insurance Mar...
Every year 1 in 33 babies are born with birth defects, which account for 20% of all infant deaths. Birth defects are any abnormality in development of the fetus. This can result in malformation, funct...
More than 4 million people will require a blood transfusion this year, whether because of cancer, accidents, or surgeries. There is such a high demand for blood to save lives, and a limited amount of
...
Every year from October 15 to December 7 is Medicare’s Annual Enrollment. This is the time you can switch from Medicare to Medicare Advantage, and vice versa. You can also change your Medicare Adv...
Everyone has heard of the term hypothermia, but what does it mean, and what are the symptoms? Hypothermia occurs when your body loses heat faster than it can produce it. If it gets too low, then the d...
Whenever the new year rolls around, people focus on changing habits they do not like. People usually try to make resolutions towards a healthier lifestyle. What is mostly focused on is drinking less, ...
A lot of people do not see the point in making a yearly doctor appointment, especially if they are in healthy condition. However, going to the doctor on a regular basis is more important than you thin...
At times people are unaware if they qualify for cost-sharing reductions. Cost-sharing reductions are a discount that lowers your deductibles, copayments, and coinsurance. Your household and income is ...
A thyroid is a butterfly shaped gland in the throat that sits above the Adam’s apple, and it’s main function is to control the body’s metabolism. More than 30 million Americans have some type of...
Now that the new year has started, the majority of people have made new year’s resolutions. Everyone joins the gym, and you begin to notice this month that your gym is packed. But by the next month ...
Physical activity is beneficial for seniors to help prevent a lot of serious health conditions such as heart disease, and a stroke. Physical activity can be any activity that raises your heart rate an...
It is officially 2019 and time to set some resolutions you intend to keep this year. First thing you should do is reflect on last year, then reflect on what you would like to change or do differently....
Going full vegan is not as easy as most people think it is, but becoming a partial vegan is achievable. A lot of people consider going vegan because it has a lot of benefits for your health. Not only ...
Diabetes has been a growing concern over the past couple of years. Now with more focus on children, as the number of kids with type 2 diabetes has increased over the years. There are a number of facto...
Cold sores and canker sores are often mistaken for one another because of their similarities, but they are not the same. You are more likely to get a canker or cold sore during the colder months due t...
