What Your Insurance Company May Not Be Telling You!

Do you have a major medical insurance policy? Do you know what the deductible is before you need to go to a hospital or get tests that your doctor orders?

Most people never read their policy and their agent may never explain the deductible amount when he is writing the book of business. Yes, he may say but not stop to really explain the details of how the deductible works.

A few years ago I was insured by one of the major HMO companies. I went to see my doctor plus having some lab work! Well, I got my bill for my portion of the lab test to pay! Guess what, I had to pay the whole amount because my deductible of $2400.00 had not been met but I was paying a few hundred dollars a month!!!!!!!!!!!

So, if you have one of the affordable care act plans or an exchange plans, you not only clip art broken armhave to pay a monthly premium, but must reach your deductible amount to even get prescriptions filled! If you should be hospitalized you will be responsible for the deductible plus the percentage that the insurance does not pay. How many American families are able to afford this expense plus live from month to month?

Please watch the video below to see if you can receive help with all these out of pocket expenses!

Major Medical Insurance Comparison

Call 800-370-5760 for more information.

Beverly Blankenship

Affordable Care Act, Health Insurance, Prescription Drugs ,

Do You Have Life Insurance For Your Final Expenses?

Hi Everyone,

Life Insurance

Life Insurance For Final Expenses

As I was meeting with one of my prospective clients today I over heard a sad story. I felt that I needed to share this since I am in the health and life plan business! A lady in the coffee shop was relating to a friend about the death of a loved one recently. The loved one had a job as a tree trimmer. He was 30 ft. up in the tree when the new ropes snapped! He starting falling, hit a limb and broke a rib which punctured his lung. The lung filled with blood and caused his death. He was air lifted to a major hospital but it was to late! The relative said that her uncle did not have life insurance. The family is in the process of having car washes to raise the $5500.00 to cover the final expenses…..how devastating! What is the family going to do once those expenses are paid? Life goes on….will the wife lose her personal properties, etc. because her husband’s income is gone? Not only do they have to cover the burial expenses but also the cost of the life flight!

Final Expenses Watch the video

Don’t wait until tomorrow, next week, next month to get some type of life insurance. Tomorrow is not promised!

Call Today and learn how you can get life insurance for less than $40.00 per month!

Accidental Injury Benefits, Final Expenses, Health Insurance, Life Insurance , ,

How To Prevent Home Accidents

It doesn’t matter whether you live in a condo, apartment or house many accidents could be prevented!

It is estimated by the CDC that more than 11,000 people die each year from home accidents! The unintentional injuries result from falls, fires, drownings, or poisonings. By safeguarding your home, you can help prevent these type of household accidents.

Let’s look at some of the ways that falls can be prevented………

Install lights at the top and bottom of stairways. Make sure there is a stair rail.
Mount grab bars and use nonslip mats in bathtubs and showers.
Provide safety gates in homes with small children.
Put nonstick backing on all area rugs.
Remove all spills from floors at once.
Pick up all clutter on stairs and floors. Clear out any obstructions, debris or any other obstacles that create a potential falling hazard.
Repair any damaged stair steps. Fix torn carpeting, loose boards, or uneven steps.
Shovel snow and ice off of all walks and driveways.

It is unfortunate but many people can be injured badly enough that they may be off work for a long time. What if you were not blessed with having major medical insurance or accidental injury benefits to help financially? Would you like to take care of this issue before an accident should occur? Please click here for additional information.

Don’t start your summer recovering from an accident that could have been prevented and suffer financial loss!

Stay safe and enjoy your spring,

Accidental Injury Benefits, Prevent Home Accidents , ,

5 Ways To Help Reduce Heart Disease and Strokes

Hi Everyone,
Health Care Reform Act

I am going to talk about 5 ways to help reduce heart disease and strokes but will also help us in our day to day health needs.

1. Ride your bike every day for 20 minutes or walk briskly for 15 minutes providing you don’t have a health condition to prevent that.

2. Eat a piece of Dark chocolate several times a week.
Several small studies suggest dark chocolate could be good for your heart! The beneficial effects are likely due to chemicals in chocolate called flavonoids, which help arteries stay flexible. Other properties of the sweet stuff seem to make arteries less likely to clot and prevent the “bad” cholesterol, LDL, from oxidizing, making it less likely to form plaque. Dark chocolate is also rich in magnesium and fiber according to Stealth Health.

3. Drink an 8-ounce glass of water every two hours. A study from Loma Linda University in California found that women who drank more than five glasses of water a day were half as likely to die from a heart attack as those who drank less than two. This is likely due to the fact that maintaining good hydration keeps blood flowing well; dehydration can cause sluggish blood flow and increase the risk of clots forming. Water works best when it comes to improving blood flow; soda is worthless.

4. Eat one cup of beans per day. Do that and you’ll be getting at least 300 micrograms of folate. A study from Tulane in New Orleans found people who consumed at least that much folate slashed their risk of stroke 20 percent and their risk of heart disease 13 percent more than those who got less than 136 mcg per day of the B vitamin. Not into beans? Try an orange (55 mcg), spinach (58 mcg in 1 cup raw spinach) romaine lettuce (62 mcg in 1 cup), or tomatoes (27 mcg in 1 cup). Since January 1998, wheat flour has been fortified with folic acid, the synthetic form of folate, adding an estimated 100 mcg per day to the average diet.

5. Cook with ginger or turmeric twice a week. They have anti-inflammatory benefits, and inflammation is a major contributor to heart disease.

There are many more ways to help reduce heart disease and strokes and you can research those on the internet or read current health magazines.

Hopefully you have some type of health insurance program even if it is not major medical that can help off set medical expenses if you acquire them!

Enjoy good health,

Affordable Care Act, Cholesterol, Heart Disease, Strokes , , ,

Why Oral Health Is Important!

Hello Everyone,

With our minds on affordable health care these days I wanted to share why oral health is important to having over all good physical health!

Research suggests that the health of your mouth reflects the condition of your body as a whole. For example, when your mouth is healthy, chances are your overall health is good, too. On the other hand, if you have poor oral health, you could have other health problems.

There is a relationship between gum (periodontal) disease and health complications such as a stroke and heart disease according to the Academy of General Dentistry. Women with gum disease also show higher incidences of pre-term, low birth-weight babies.

Research has also shown that more than 90 percent of all systemic diseases (diseases involving many organs or the whole body) have oral manifestations, including swollen gums, mouth ulcers, dry mouth and excessive gum problems. Such diseases include: diabetes, oral cancer, kidney disease, heart disease, leukemia, and pancreatic cancer.

Poor oral health can lead to problems as a result of you not taking care of your teeth and gums

Getting X-rays

Importance of Oral Health. Oral and facial pains may be a result of infection of the gums. Mouth infections can affect major organs such as the heart and heart valves. Digestive problems can begin with the physical and chemical processes in the mouth.

A dental exam twice a year can detect poor nutrition and hygiene, growth and development problems and improper jaw alignment. Provide your dentist with a complete medical history and inform him or her of any recent health developments, even if they seem unrelated to your oral health.

Watch the video and visit the website for more information on having good oral health!

Until next post,

Oral Health, Porcelain Crowns, Uncategorized , , , ,

“Why Individual Health insurance Is More Expensive Than Group Health Insurance”

Explanation of Health Reform ActMARCH 5, 2014

“Why Individual Health insurance is more expensive Than Group Health Insurance
For most employees, individual health insurance costs less than group health insurance.

And, as of 2014, individual health plans have new advantages.

To understand why individual health insurance is more affordable than group health

insurance, you need to understand how each type of insurance works.

Group Health Insurance:

Group health insurance is a type of policy purchased by an employer and offered to eligible

employees of the company, and to eligible dependents of employees. The premium cost is

typically split between the employer and employee, and there is a minimum percentage

rate the employer must contribute to the premiums. The premiums typically increase every

year based on the previous year’s healthcare costs of the employee group.

“With group health insurance, the risk is spread over the company –

the number of employees you’re covering.”

Individual Health Insurance:

Individual health insurance is a type of policy an individual purchases for himself and/or

his family. Starting in 2014, all individual health plans must cover employees regardless

of health. For example, a healthy non-smoking 40-year old employee will pay the same

as a non-smoking 40-year employee with a medical condition. Premiums cannot be

increased because of health conditions.

“With individual health insurance, the risk is spread over a large group of people

– hundreds of thousands, even millions depending on the plan and carrier.”

If you’ve never heard of individual health insurance before, you’re not alone. Prior to health

care reform, less than 10% of the US population had this type of insurance.

Most people purchased insurance through their employer. However, with the rise of

defined contribution health benefits and the Affordable Care Act
, the number of

people with individual health insurance is expected to grow exponentially.

Now, it’s becoming normal for employees to purchase a plan on their own –

just like car insurance.

On Average, Individual Health Insurance Costs Less Than Group Health Insurance:

Individual health insurance costs less, on average, than group health insurance. Let’s look at

the numbers. In 2012, employers paid on average $3,335 more a year for group health

insurance than employees would pay if they purchased a plan on their own. For family

coverage, employers paid over $10,800 more a year.

The cost of group health insurance is not sustainable – especially for small businesses. In

2012, 61% of small businesses said “cost” was the primary reason they did not offer

#traditional group health insurance.

Why Would You Pay So Much More for the Same Coverage? Prior to 2014 …

Before health care reform, individual health insurance plans and group health insurance

plans were different. Individual health insurance plans could deny coverage or charge

more for coverage based on health conditions. One reason employers offered group health

insurance (despite the higher price tag) was because they worried about sick employees not

being able to find coverage with an individual health plan. With group health insurance,

everyone is covered – no questions asked.

But as of 2014…
The playing field is leveled. Individual health insurance plans are guaranteed-issue so all

employees can find coverage regardless of health. In fact, many of the new health care

reform provisions greatly favor individual health insurance. Individual health insurance is

now just as good (and in most cases better) than group health insurance. Employers can

continue to contribute by using a defined contribution plan. In this scenario, which would

you choose?

How Much Will Health Insurance Cost in 2014?

On average, individual health insurance will cost employees less than group health insurance in 2014.
Most employees will be eligible for discounts on individual health plans, decreasing the cost significantly.
Nationwide, individual and small group health insurance plans in 2014 will receive federal tax subsidies through the federally-run health insurance exchanges.
Income level examples are shown on charts at http://www.healthcare.gov
How Do the Discounts (“Health Insurance Tax Credits”) Work?

As of 2014, the federal government is providing discounts for health insurance to eligible

individuals and families. The discounts, called “health insurance tax credits”, help many

employees buy affordable individual or family health insurance coverage through the

new state health insurance exchanges (“marketplaces”).

Who is Eligible?
Employees who meet certain income requirements and who do not have access to

affordable health insurance
through an employer or another government program

are eligible for a discount. Eligibility is based on a standard called the “federal

poverty level” (FPL). The tax credits cap the cost of health insurance

between 2% and 9.5% of annual household income, on a sliding scale

based on income. Individuals and families who earn up to 400% of FPL may be

eligible. This translates to an individual earning up to $45,960 in 2013 and a

family of four earning up to $94,200 in 2013.

FPL (2013)

100% 133% 150% 200% 300% 400%

Premium as % of income

0% – 2% 0% – 3% 4% 6.3% 9.5% 9.5%

Family Size
1. $11,490 $15,282 $17,235 $22,980 $ 34,470 $45,960
2. $15,510 $20,628 $23,265 $31,020 $46,530 $62,040
3. $19,530 $25,975 $29,295 $39,060 $58,590 $78,120
4. $23,550 $31,322 $35,325 $47,100 $70,650 $94,200

On average, individual health insurance is more affordable than group health insurance.

Using individual health insurance as the foundation of employee health benefits is less

financially risky for small businesses. With group health insurance, if one employee has a

baby, a surgery, or is diagnosed with a chronic illness, you are likely to see a large premium

rate increase at renewal time. This is not the case with individual health insurance. By

using a pure defined contribution approach (where employees purchase individual

health insurance and the business reimburses them), the business has total

cost predictability.


The Future of Employee Health Benefits
is Defined Contribution Paired with Individual

Health Insurance

Because of the affordability of individual health insurance, compared with group health

insurance, most (if not all) small businesses are offering employee health benefits with a

pure defined contribution approach. With this type of strategy, the business offers

employees a healthcare allowance that employees can spend on purchasing individual

health insurance. With health care reform, all employees are guaranteed coverage and

many will have access to the health insurance tax credits. Employees purchase the plan

that best fits their personal health needs. Employers have complete cost predictability and

there are no minimum or maximum contribution amounts.

With the new advantages and affordability of individual health insurance, why would

a small business offer group health insurance?

For more information, or to set up a consultation, please email, Beverly Blankenship @ beverlysbiz@gmail.comExplanation of Health Reform Act
Watch video 1, video 2, video 3

Affordable Care Act, Health Insurance, Uncategorized , ,

How Much Will Prescription Drugs Cost Using The Affordable Care Act?

How Much Will Prescription Drugs Cost Using The Affordable Care Act?

Prescription Medication Cost

What will I pay for medicines?
With some health plans, you pay a coinsurance for your medicines. This is a set percentage of the drug’s cost, such as 30%. With some health plans, you pay a prescription copay, which means you pay a fixed amount for each medicine you buy.
Many formularies have two or more cost levels, called tiers. The copayment for each tier will likely be different. Higher level tiers cost you more. For instance, a third tier medicine costs more than a first tier one.
Many health plans have three or four tiers of costs:
Tier 1: Generic medicines, which cost the least
Tier 2: Preferred, brand-name medicines
Tier 3: Non-preferred, brand-name medicines
Tier 4: Specialty medicines, which are often costly, brand-name medicines. For instance, chemotherapy may be a fourth tier medicine.
Keep in mind that you may have a separate deductible for prescription drugs. You may need to pay it as well as a deductible for medical services. Look at a plan’s summary of benefits about prescription medicines to see what you’d be responsible for paying.

Are you worried about the cost of what your prescription medications will cost with the Affordable Care Act? We are giving away a FREE prescription card that may save you up to 50% off your prescriptions!!! The card is free to use at over 56,000 pharmacy locations nationwide! Click here and request your free card Today.

Affordable Care Act, Free Prescription Cards-Sacramento, Health Insurance, Prescription Drugs, Uncategorized , , ,

Information About Porcelain Crowns In Sacramento,Ca.

Hello Readers,

Why Porcelain Crowns


Porcelain crests/crowns replace the exterior piece of a tooth to re-establish its initial function and to conceive a natural appearance. Crests/crowns are the treatment of choice in positions where tooth breakdown has decimated most of the initial tooth, when a traumatic happening has caused impairment, or in situations of critical enamel erosion Continue reading

Oral Health, Porcelain Crowns , , ,

Why Flossing Your Teeth Is Important!

To All My Friends,

Keep that beautiful smile by flossing your teeth daily! Flossing your teeth has many health advantages!

Brushing alone doesn’t clean your entire mouth; it only cleans the surface of your teeth. You need to floss in order to clean out the gaps between your teeth, where bacteria often reside. If you don’t floss, you’re more likely to have plaque build-up, which can lead to cavities, tooth decay and gum disease. If left untreated, gum disease can be a risk factor for heart disease, diabetes and a high body mass index. In addition, bacteria can cause bad breath and having food or debris between your teeth can make them look less clean or white. Thus, flossing can help improve the appearance of your mouth as well as your dental hygiene and overall health.

It’s important to floss regularly and to talk to your dentist about any problems you have with flossing your teeth. It is important to get an oral exam twice a year. For information on a good dental program click here if you are without insurance.
How To Floss

Until next post!

Uncategorized , , , , , ,

Knee Joint Pain – Get Rid Of It Today!

Hi Everyone,

Sorry, I haven’t posted in awhile! It has been a very busy early autumn!

I have incorporated a new service/product into my portfolio for better health!

Do you have knee joint pain, back pain or muscle pain? I have a soreness in my knee from a fall that I took several months ago and at times it gets pretty painful! I was introduced to Rlief cream and it has been a real blessing for my knee pain. The cream is all natural.

Visit the website below and order your FREE sample!



Let me know how the cream helped you!
When you call me ask for a free gift!

Joint and Muscle Pain , , ,