For many of us the Memorial Day weekend is the start of the summer activities, which means more time outside enjoying all sorts of activities. Here are some safety tips that we put together to help you stay safe this summer.
Beat the Heat
Did you know your body is constantly struggling to disperse the heat it produces? Most of the time, you’re hardly aware of it – unless your body is exposed to more heat than it can handle. Whether you’re working or playing outside this summer, anybody not accustomed to the heat is at risk for a heat-related illness.
Take steps to protect yourself:
When we think of water safety, we often think of the potential for young children to drown. But drowning also is a concern for teens and young adults. While drowning is more common for children 5 and younger, it’s the second leading cause of death for people age 5-24. According to National Safety Council data, 737 people age 5 to 24 drowned in 2014.
Swimmers should keep a few safety precautions in mind:
Bicycling is one of the best ways to stay in shape, see the sights, save money on gas and reduce pollution. The benefits are well-known to cycling enthusiasts and local leaders nationwide who have created bike-friendly communities, complete with paths, special bicycle parking areas and other conveniences.
Use Your Head, Protect Your Noggin
Cyclists who wear a helmet reduce their risk of head injury by an estimated 60% and brain injury by 58%. That statistic makes sense when you consider the first body part to fly forward in a collision is usually the head, and with nothing but skin and bone to protect the brain, the results can be fatal. Your helmets must meet federal safety standards and should fit securely.
Follow These Rules to Keep Safe:
For more summer safety tips, visit the National Safety Council website where we gathered this information for you.
Whether you’re getting your annual wellness exam or having your cholesterol checked, it’s important to keep up with your recommended screenings in order to catch small health problems before they become big ones.
Make sure you get all of your annual health check-ups and exams. If you still need some additional tests, make your appointments now. Doctor office appointments fill up quickly.
Here are a few checkups to consider getting between now and the end of the year:
Annual Wellness Visit.
If you’ve had Medicare Part B for longer than 12 months, you can get an annual wellness visit. During your Annual Wellness Visit, your doctor may:
Some screening tests you should discuss with your doctor:
Talk with your doctor about screenings you may need to add into your annual prevention plan.
When was the last time you reviewed your insurance?
Was it when you got married, had a baby, started your own business, retired, added a pet to your family, sent a kid off to college, finished your basement? Believe it or not, your insurance is probably out-of-date and it is time for a review. As a good rule of thumb, when there’s a change in your life, more likely than not, your insurance will need to change, too. And, that means it’s time to give us a call.
An annual review is really a good idea for a number of reason.
I’m here to help you through the process. Here are a few things you can do to be sure you get the most from your next insurance review.
This time of year is always so busy with the holidays, family get togethers and various events. As a result, it’s easy to postpone financial decisions until the new year. Keep in mind that timing is especially important when it comes to making tax-related moves that may reduce what you owe when the filing season rolls around. Here are some suggestions to consider.
Finally, give your insurance a checkup. Make sure you have the most complete and cost-effective coverage available. Give us a call to discuss your needs.
As you already know, it’s imperative that you protect your credit card and Social Security number. However, it’s also important that you are equally careful about sharing your private health data.
Your best protection against health insurance fraud and scams is being informed. Here are a few things to consider to protect yourself and your private information.
For more information, read the Federal Trade Commission’s tips on computer security at https://www.consumer.ftc.gov/topics/online-security, or visit www.onguardonline.gov
Every health insurance plan comes with prescription drug coverage. Whether you need to treat poison ivy, a back pain, or chronic high blood pressure, there’s a prescription for you. But, not every health insurance plan covers every prescription, and if you’re not careful, you may end up paying a lot out of pocket for drugs.
That’s why it’s critical that you learn about your plan’s formulary, also known as a drug list. It’s important to understand your health insurance plan’s formulary so that you will know which prescription drugs are available to you, how much they might cost, and whether there are any other restrictions around them.
What are drug tiers?
Drug formularies have tiers. That means that groups of drugs are classified according to cost. Formularies are designed to provide guidelines around how your health insurance is going to share the cost of your prescription medication.
Drug tiers are the main way in which health insurance companies communicate how much a specific prescription drug will cost you. Based on the tier a drug is in, it will have a specific copayment set by your health insurance company. (Specialty drugs usually have a coinsurance payment instead.)
Drug tiers are not standardized, and not all plans have the same number of tiers. Although drug tiers are not standardized across plans, we thought these guidelines would be helpful in giving you a general overview of how drug tiers typically work:
If you have questions about your prescriptions and how drug tiers work give me a call today.
Note: Information for this blog post came from multiple sources including What drugs plans cover?
Listen to race car driver Danica Patrick’s story and thoughts about protecting your family with life insurance.
No one really wants to think about life insurance. But if someone depends on you financially, it’s a topic you can’t avoid. In the event of a tragedy, life insurance can help cover:
Getting life insurance doesn’t have to be hard (or boring). We can help you walk through the steps to figure out how much life insurance is right for you.
So why not get started! Give us a call today.
It has happened to all of us – an illness, an injury or you wake up in the middle of the night with intense abdominal pain. When something like this occurs, we’re often unsure about where to go for medical care, especially if the symptoms seem severe and our regular doctor’s office is closed.
While the answer is not always simple, knowing the difference between urgent care and emergency care and where to seek treatment could save your life in a medical emergency and, sometimes, unnecessary expense.
The differences between urgent care and the emergency room
Urgent care clinics help fill a gap when you become sick or injured, but your regular doctor is not available and you can’t wait for an appointment.
If you’re sudden illness or injury is something your primary care doctor would take care of, then an urgent care setting probably makes more sense than the emergency room.
Unlike urgent care centers, hospital ER’s are equipped and staffed for even the most complex or critical needs, including life- and limb-threatening situations ranging from heart attack and stroke to traumatic injuries following a car accident.
When to go to the ER
There are a number of medical conditions that are considered emergencies because they can require rapid or advanced treatments (such as surgery) that are only available in a hospital setting. Symptoms that are best evaluated in an emergency room include:
When to call 911
Even if it is clear that you or your loved one needs emergency care, you may be unsure whether to drive yourself to an emergency room or call 911.
You should never drive yourself if you are having severe chest pain or severe bleeding, if you feel like you might faint, or if your vision is impaired. When in doubt, please call 911 — what matters most is that you get to the emergency room quickly and safely.
For certain medical emergencies such as a heart attack or stroke, calling 911 for an ambulance is always the right decision. This is because paramedics often can begin delivering life-saving treatment on the way to the hospital.
Urgent care is not emergency care
Urgent care centers are same-day clinics that can handle a variety of medical problems that need to be treated right away, but are not considered true emergencies. Symptoms that can be evaluated and treated at an urgent care clinic include:
If your symptoms come on gradually or you already know the diagnosis — for example, you have repeat urinary tract infections, or you recognize when your child has come down with an ear infection — it’s worth calling your primary care doctor’s office to see if you can get a same-day appointment. After all, your primary care doctor knows your health history, including what treatments have worked best in the past and whether you have other medical conditions that need to be taken into consideration.
However, while urgent care clinics are not a substitute for your primary care physician, they are a great resource when you need care but can’t get in with your doctor.
Keli Ackroyd is a Licensed Insurance Agent in the state of Florida.