Aspartame is a sweetener you don’t want to use.

I found this interesting article on Aspartame and their side effects.   Aspartame-containing product that actually makes you crave carbohydrates and gain weight.  The side effects of aspartame poisoning are causing even worse issues for people.  If you are having some issues that your doctor and you do not have a clue to the cause, it may be time to try removing the artificial sweetener from your diet, especially diet sodas.  There is no nutritional value in drinking these beverages and can be linked to many side affects of aspartame.   Try making a healthy switch to water instead of reaching for the sugar free soft drink.  This change could bring your health back in balance.

Aspartame is a sweetener you don’t want to use..

Health Insurance reducing premiums using supplemental insurance coverage is a different approach than your parents may have used.  Insurance premiums have increased forcing people to accept higher deductibles than they would be used to with a large group insurance policy.  When you look at ways to lower your individual health insurance premiums you have 4 methods to do so, Increase Deductible, Reduce Coinsurance (100/0, 90/10, 80/20, 70/30, 60/40, or 50/50) , Increase the Prescription Deductible, or Change the Number of Office Visit Copay’s (Unlimited, 2-6 visits or none).  All post reform plans will cover your annual wellness at no cost – this will cover all the government required preventative tests.  So these are the areas that we can use to change the premium.  There is no one plan that can meets every specific situation.

Moving the deductible up can feel more uncomfortable for someone who has a lower deductible.  If the premiums are forcing you to consider dropping insurance coverage, it is better to increase your deductible and add some supplemental coverages for Accidents and Critical Illnesses to reduce the financial risk of the deductible and coinsurance.    The most risky thing you could consider is not having health insurance coverage, if you really need help diagnosing a condition or situation, without the insurance card, no service in many places.  With the supplemental policies that cover accidents, they can offer coverage up to $10,000 per accident with a deductible of $0-$500 per accident for as little at $24/mo for an individual.  This can protect 50% of the reason you may visit a hospital and be forced to pay out of pocket.  It is such a relief when you are going to the ER for a broken are or some other accident knowing the event will cost you only $0-$500 depending on the coverage you select.  You would always show your health ID card, and file a claim with the accident company. Many companies will pay the bill directly or pay you.  You should walk out paying only the deductible of the accident plan and defer billing for the rest of the bill through the insurance company.  It is a smart approach to the being forced to higher deductibles.  These accident plans can work with Individual and Group Health Plans to protect you and your family.

On the illness side, I have not found anything to cover across the board illnesses like the accident plan.  I did find a way to reduce the illness exposure by coverage for Critical Illnesses.  These plans pay a lump sum for invasive cancer, heart attack, stroke, major burns.  They have lower payouts for other critical illnesses, you will need to review the coverage to know exactly what the plan will cover.  This can reduce you financial exposure for Critical Illnesses with a lump sum payouts the amount of coverage you can match your deductible and coinsurance or event go higher some plans offer simplified issue up to $50,000.  I sometimes use the larger amounts to provide a cushion to cover expenses while your recovering from the critical illness.   These plans rates vary by age and face amount.

We would love to share with you some options in each of these categories to help you see a complete health insurance package that can offer you piece of mind for protecting your family while keeping premiums affordable with all three policies.  Give us a call for any questions or assistance.

 

 

 

 

Health Insurance reducing premiums using supplemental insurance coverage – RF Insurance Masters – YouTube.

Life insurance – personal policy outside of work policies are important.  Many times we run into client that have employers that provide life insurance.  Many times these life insurance policies are not portable.  Portable mean that the employee can opt to take the policy with them when they leave a company for another job or retire.  If your policy is not portable you should consider obtaining an individual life insurance policy on you and your spouse.  When you change jobs, you are not only between jobs, you are between life insurance protection.  Do not leave your family exposed during the transistion.  Another reason to do this is that we never know if we will become sick or diagnosed with a condition that a life insurance company may consider a high risk or refuse to offer coverage to you.   At that point you are not able to obtain additional insurance.  If you are healthy and only have a work provided policy, I would get an individual policy while you are healthy that can offer you the lowest premiums.  Try not to procrastinate, get it in place today.

There are many types of policies to consider  such as Term, Universal Life,  or Whole Life.  No matter what policy you obtain, you can protect your future ability to be insured and will be covered for you and your family no matter what your employment situation is.  Today with the number of people that get let go from their employer, when they are released, their life coverage ends.  This really leaves you and your family exposed.  Talk with a licenses insurance agent to help you find the best options for your specific situation and protect you and your families future.

Life insurance – personal policy outside of work policies – RF Insurance Masters – YouTube.

Are looking for individual maternity insurance options in Texas if you are already pregnant?  We get asked all the by our client what options do they have if they have become pregnant and are currently uninsured.  How do I find maternity insurance now that I am pregnant, or insurance that can cover complications of pregnancy?  We have a few options to help them in Texas get coverage.  If their income level is low enough they should look into coverage through Texas Medicaid in the first trimester.  If you cannot qualify for Medicaid, we have two additional options for coverage the Texas Health Insurance Pool (BCBS of TX managed) or if they have been uninsured for 6-months the government plan – Preexisting Condition Insurance Plan – www.PCIP.gov.  Both these plans want to cover people with conditions who do not have access to group health insurance or COBRA.  We can help you identify the best options for you and help you get it in place.  Give us a call.  We want our customer to be able to focus on their family not worry about how they will pay for health coverage.

Maternity Insurance – How to find insurance if you are currently pregnant – RF Insurance Masters – YouTube.

The longer I have been in the business of insurance the more I feel compelled to share about the importance of life insurance for children.  This can be especially important in for children and can be a smart idea for grandparents or parents to purchase a life policy for their child.

With any insurance product that needs to be underwritten, they will review medical history and determine if the child is eligible to be offered coverage.  A young healthy child can obtain life insurance easily.  We cannot predict the future of a child, but we can protect his future eligibility by getting a life insurance policy on them when they are young and healthy. I have had some friends who had healthy children when they were younger, and unexpectedly they had an illness effect their child at age 10 they will prevent the child from ever being able to obtain individual life insurance.  This is a sad situation and could have been helped if they had early on in the child’s life bought life insurance for them.

Some of the Universal Life Policies can offer 20 pay, that allow after twenty years of payments, they are fully paid up and will offer protection for the child until age 100+.  We did purchase a life policy on our daughter for two reasons, to give her a paid up life policy at age 25 and to protect her insurability and protect her family to age 100, a generation skipping gift.

If you are interested in looking at some options for your children or grandchildren, we can share with you some options.

Life Insurance for children – RF Insurance Masters – YouTube.

We have some suggestions for Maternity Coverage options with individual insurance. If you are looking for ways to get individual insurance coverage that will include maternity, we have found one plan in Texas that can offer the coverage.  Maternity can cost about $6000 – $8000 to have a baby.  This plan we have found offer maternity coverage with a HSA compatible plan that has a $2500 deductible and a 100/0 coinsurance.  If you plan your baby in a calendar year you can talk advantage of the plans $2500 max out of pocket.  The plan does allow for setting up a Health Savings Account that will allow you to deposit into the account $3250 annually for an individual to us for Health, Dental, or Vision needs.  The money deposited into the HSA account reduces your income by the amount contributed.  The money in an HSA account will grow tax deferred.  The money does roll over from year to year without the need to use it or loose it.  If you are interested in finding out more specifics on this plan that will cover maternity, please give us a call.

Here is a short video on the health insurance option that covers maternity.

Maternity Coverage for Individual Insurance Coverage – YouTube.

We can help you find the best option for your needs.  Give us a call when you are ready to talk about your options.

We always give guidance to our customers about the options to get individual coverage for children under age 19.  The health care reform has created some issues for the children looking to obtain coverage.  We have 4 option that can get them covered, include a parent with the child will allow you to get coverage from any major medical carrier.  If you do not have a way to include an adult with your child, you can look at the Texas Health Insurance Pool (managed by BCBS of TX), Preexisting Condition Insurance Plan (www.PCIP.gov).  If your income level allows you to have your children covered by Medicaid (Chips Medicaid) may be an option for coverage.  We know since health care reform this has created some issues, we may see things get easier as we roll into full health care reform in 2014.  We are not 100% sure how the reform will help to improve this issue.

Here is a short video on the few options for obtaining health insurance coverage for children under the age 19.  At age 19 all children can get their own individual policy.

How to cover your children with health insurance – YouTube.

Please let us know if we can assist you in your specific situation.  Give us a call or email to allow us to guide you.

I have found an interesting article on the effects of the wheat that has been genetically modified and how our bodies are having issues with it.  It is worth reading to see if some items may relate to you.  It could change your life and how you feel.  Many people are having trouble with Wheat and are dealing with other health issues due to continued eating of wheat.  If you try removing wheat from your diet, you just may feel better and some other conditions you may have may improve.  You may even find it easier to loose weight with removing wheat.  More interesting reading with Wheat Belly book you can get on Amazon.

Weight gain, acne, asthma, collapse . . . could it be wheat? | Wheat Belly Blog.

I wanted to share an updated video of some of the insurance basics to consider as you are looking for coverage. You could be transitioning from COBRA, leaving a group plan, or not covered at all looking for ways to find an affordable health insurance coverage.

Searching for health insurance coverage is not easy if you do not do it all the time. You can find yourself overwhelmed with the information and number of plans available to choose from. It is important you work with someone who is knowledgeable in the health insurance field, I would highly recommend working with a broker who can give you the personalized guidance you need to understand the options and opportunities to save.  I like the insurance broker who is not only selling one companies product and can offer you more variety in options.

The insurance agent should take the time to ensure you are educated on the options and features of the plans you are considering.  They should be able to provide you with a Summary of Benefits for the plan.  If they do not offer this to you, I would be concerned and if it is not on paper/PDF provided by the carrier, be concerned.

In this short video below I share with you some of the basics in health insurance and some ideas around deductible and ways to save on your health policy or reduce your financial exposure with higher deductibles.

 

I hope this short slide deck help you to understand how you can protect you and your family with lower premiums and adding a high deductible health plan with supplemental coverage.  We can help you with your specific situation and give you guidance that can lead you to being able to afford coverage.

To learn more and apply for this coverage :  Homeland HealthCare AWA Gap Plans

Brochure :  AWA GAP PLANS_Basic Guide V1 6 1 12 11

Please let us know if you have any questions or concerns on this plan, give us a Call at 512-807-9594.  It can be a great complement with your major medical coverage to save you on your deductible exposure.  It can work with HSA or regular health plans individual or group health plan.

Supplemental Accident Plan

Supplemental Accident Plan Name	Plans Face Value per Accident	Deductable Per Accident	Critical Illness Face Value	Monthly Premium
AWA Gap Basic 1	$10,000	$100	$10,000	Ages 18 to 64 $52.00 per Month for Member $93.00 per Month for Member plus Spouse $98.00 per Month for Member plus Child(ren) $101.00 per Month for Member plus Family
AWA Gap Basic 2	$5,000	$100	$5,000	Ages 18 to 64 $32.00 per Month for Member $42.00 per Month for Member plus Spouse $44.00 per Month for Member plus Child(ren) $46.00 per Month for Member plus Family

Note: One time enrollment fee of $49

For detailed information or to apply for Homeland HealthCare AWA Gap Plans click this link.

This is not basic health Insurance.