December 2022 - Healthedly Insurance Services

The Importance of Vision Checks for Children

General, Health, Individual and Family, Vision

Are you wondering if you should invest in an eye checkup for your kids? You may be wondering, why spend the money if generally, children’s eyesight hasn’t begun to decline yet. But you may be surprised by the numerous benefits of getting your children in to see an eye doctor.

Children’s eyes are still developing

Eye checks for children are important because children’s eyes are still developing and can be easily damaged if not properly cared for. Regular vision checks can help identify potential problems early on, allowing for timely treatment and preventing long-term loss of eyesight.

Preventing vision problems

Untreated vision problems in children potentially leads to a number of negative effects, including difficulty with schoolwork, decreased ability to participate in sports and other activities, and social and emotional difficulties. Children who struggle with vision problems may have trouble seeing the board at school, playing with friends, or reading, which can impact their overall development and well-being.

In addition, some eye problems, such as amblyopia (lazy eye) or strabismus (crossed eyes) can only be effectively treated if caught early. By having regular vision checks, parents ensure that their child’s eyes are developing properly and that any potential problems are detected and treated promptly.

Overall, regular vision checks for children are important for ensuring healthy ocular development and preventing long-term vision problems.

Looking for vision insurance but unsure of where to begin? Our agents here at Healthedly are ready and waiting to answer any of your questions and help you get started!

December 29, 2022

A Guide to Travel Insurance

Health, Travel Medical

Travel insurance is a type of insurance that covers any unexpected events or emergencies that may occur during your trip. This can include things like trip cancellations or delays, lost or stolen luggage, medical emergencies, and more.

Before you purchase travel insurance, you need to understand what the policy covers exactly. Most travel insurance policies will cover trip cancellations or interruptions, lost or stolen luggage, medical emergencies, and emergency evacuations. Some policies may also provide coverage for activities like adventure sports or rental car damage.

When shopping for travel insurance, it’s a good idea to compare different policies from different companies to find the one that best fits your needs. Always read the fine print carefully to understand what your potential policy covers. And always purchase your insurance from a reputable company.

It’s also important to keep in mind that travel insurance is not a replacement for health insurance. If you already have health insurance, check with your provider to see what medical services they cover while you are traveling.

In general, this type of insurance can provide peace of mind and financial protection while you’re on the road. It’s always better to be safe than sorry, so consider purchasing a travel insurance policy before your next trip. Healthedly agents are ready to answer any of your questions about this kind of insurance, what your options are, and even a free quote to get started!

What are you waiting for? Don’t sleep on travel insurance!

December 23, 2022

Are You Enrolling in the Right Health Plan?

General, Health Resources, Individual and Family, Short Term, Special Enrollment Period

How to know for sure that you are enrolled in the right health plan

There are a few key factors to consider when deciding whether to enroll in an ACA (Affordable Care Act) plan or a short-term health plan.

First and foremost, it’s important to understand the differences between the two types of plans. ACA plans, also known as “Obamacare” plans, provide comprehensive coverage for a wide range of medical services. This includes preventative care, hospitalization, and prescription drugs. These plans must meet certain requirements set by the federal government, such as covering pre-existing conditions. They also offer a minimum level of coverage.

On the other hand, short-term medical plans provide temporary coverage for unexpected medical expenses. These plans typically have lower premiums and offer more flexibility than ACA plans. However, they provide much less comprehensive coverage. Short-term plans typically exclude coverage for pre-existing conditions. They may not cover certain types of care, such as maternity or mental health services.

What are your health and medical needs?

One major factor to consider when deciding between an ACA plan and a short-term medical plan? Your current health and medical needs. For example, you have a chronic condition or expect to need a lot of medical care in the near future. An ACA plan is likely to be a better choice because of its comprehensive coverage. On the other hand, if you’re healthy and just want some protection against unexpected medical expenses, a short-term plan may be a good option.

Another important factor to consider is your budget. ACA plans can be more expensive than short-term plans, if you don’t qualify for subsidies to help lower your premiums. If you’re on a tight budget and need to save money on your health insurance, a short-term plan is a good option. However, keep in mind that you’ll likely end up paying more out of pocket for medical care if you have a short-term plan. These plans provide less comprehensive coverage.

Think long-term vs short-term when it comes to your health plan

It’s also important to think about the long-term implications of your decision. ACA plans seem more stable and predictable than short-term plans. They provide continuous coverage and can’t be canceled for reasons like getting sick or making a claim. If you’re looking for a long-term solution for your health insurance needs, an ACA plan may be a better choice.

Whether you choose an ACA plan or a short-term medical plan will depend on your individual circumstances and needs. ACA plans provide comprehensive coverage, but can be more expensive. Short-term plans are less expensive, but provide less comprehensive coverage.

Ultimately, the right choice for you will depend on your health, budget, and long-term needs. Healthedly offers a variety of plans, from

Look no further than Healthedly for all your answers about health insurance and coverage. Start getting enrolled today, grab a free quote, and chat with a Healthedly agent. We are here to help you get the right healthcare coverage.

December 22, 2022

Colon Cancer and the Importance of Early Screenings

General, Health, Health Resources, Self-care

Why you need an early screening for colon cancer

Colon cancer is a type of cancer that affects the colon, the large intestine. The colon is part of the body’s digestive system, and its primary function is to absorb water and nutrients from food and to eliminate waste. Colon cancer occurs when healthy cells in the colon develop mutations in their DNA, leading them to grow and divide rapidly. These abnormal cells form a tumor, and if doctors do not detect the tumor and treat it, this cancer can spread to other parts of the body.

Colon Cancer Screening

The importance of early screening for colon cancer cannot be overstated. Every year, at least 100,000 people in the US recieve the chilling diagnosis of colon cancer. When this type of cancer gets detected in its early stages, it can often be treated successfully, and the chances of survival are much higher. Screening tests, such as a colonoscopy, can help doctors find colon cancer at an early stage when it is most treatable.

Some people are at a higher risk of developing this disease. Risk factors for this type of cancer include a family history of this cancer, a personal history of inflammatory bowel disease, or being over the age of 50. People with any of these risk factors should talk to their doctor about getting screened for this cancer.

Treatment

If cancerous cells are detected, treatment will depend on the stage of the cancer and the individual’s overall health. Treatment options may include surgery to remove the cancerous growth or chemotherapy to kill cancer cells. Experts also recommend radiation therapy to shrink the tumor. In some cases, your doctor will use combination of these treatments.

One of the biggest challenges with this type of cancer? It often does not cause any noticeable symptoms in its early stages. This is why screening is so important. Signs may be altered bowel movements (diarrhea or constipation), blood in stool, abdominal discomfort, and unexplained weight decrease. If you have any of these symptoms, it is important to talk to your doctor right away.

In conclusion, cancer of the colon is a serious disease that can be deadly if not detected and treated early. Early screening is crucial for detecting colon cancer at an early stage, when it is most treatable. If you are at high risk for colon cancer, talk to your doctor about getting screened. And if you experience any symptoms of a cancerous colon, don’t delay in seeking medical help.

If you are looking for the right health insurance provider, Healthedly is here to help. Our agents are dedicated to ensuring you find the best fit, so don’t hesitate to give us a call at 855-522-2201.

December 21, 2022

Are You on Top of Your Diabetes Care?

General, Health Resources, Self-care

If you have diabetes, it’s important to monitor your blood sugar levels and manage your condition to avoid complications. One way to stay on top of your diabetes care is by following a healthy eating plan. This means eating a balanced diet that includes a variety of fruits, vegetables, whole grains, and lean proteins. It’s also important to limit your intake of sugary foods and drinks.

Another way to manage your diabetes is by being physically active. Aim for at least 150 minutes of moderate-intensity exercise each week, or 75 minutes of vigorous-intensity exercise. This can help lower your blood sugar levels and improve your overall health.

In addition to healthy eating and exercise, it’s important to take any medications prescribed by your doctor as directed. This may include insulin or other medications to help control your blood sugar levels. It’s also a good idea to check your blood sugar levels regularly, as recommended by your doctor.

It’s important to see your doctor regularly for check-ups and to discuss any changes in your condition. This can help your doctor identify any potential problems early on and adjust your treatment plan if necessary.

It’s also important to monitor for any complications of diabetes, such as nerve damage, kidney damage, or eye problems. If you notice any changes in your vision, or if you have tingling or numbness in your feet, be sure to let your doctor know.

Managing your diabetes can be challenging, but it’s important for your overall health. By following a healthy eating plan, being physically active, taking your medications as directed, and regularly checking your blood sugar levels, you can help manage your condition and avoid complications. Talk to your doctor about the best ways to stay on top of your diabetes care.

Are you ready to enroll in a health insurance plan? Here at Healthedly, we’ve got you covered! Get started today with enrollment and a free quote from our team at Healthedly.

December 20, 2022

Packing For a Cruise: What You Need to Bring

General, Travel Medical

Are you planning a cruise next year or in a few months? Cruises offer a fantastic way of seeing a part of the world by luxury liner, whether you want to explore a tropical paradise or see the Northern Lights. Cruise ships are an encapsulated metropolis, but you should still remember the motto “Always Prepared”. Cruise ships sometimes don’t dock for weeks at a time, so you will want to avoid the stress of needing an essential item but having to wait to get on dry land.

So, what do you need to pack for your next cruise? What should you add to your packing list? These are the essentials you will need for your next cruise.

Everyday outfits

Start with figuring out everyday outfits to wear daily on the trip. Choose a pair of your favorite shorts, skirt, or leggings to wear. Then find two or three tops that you can cycle through. Don’t forget comfy shoes, slippers, and sandals. Cruise ships tend to make stops at various tourist attractions along the way. Some of these locations include a place to hike or explore. Make sure you take along some good walking shoes for an excursion on land. If you are going on a Caribbean cruise, you will want a good swimsuit, hat, and other beachwear. For an Alaskan cruise, make sure to pack layers, like a couple of sweaters or a jacket and gloves.

Staying Active

You will want to stay active on board, to work off all those mimosas and all-you-can-eat brunches. Add your favorite activewear outfit to your suitcase so you can take advantage of the ship’s fitness facilities. Be sure to grab an extra sweater or jacket; if you are on an Alaskan cruise, you may want to go hiking and explore the beautiful northwest. It can get chilly that close to the Arctic circle!

Evening outfits

There are a number of cruise lines with relaxed rules around evening wear onboard a cruise ship. However, many of the luxury lines stipulate a more formal dress code in the evening. When planning your wardrobe, be sure to pick out a few business casual outfits, and even a couple of formal looks to wear on the ship at night.

Essentials

If you take a prescription medication, be sure to bring along more than enough for the cruise. It’s always best to have more than you need just in case and divide them into separate containers, in case you lose one. This way, you will not lose all of your medication if you happen to misplace a container.

Of course, grab all your toiletries and essential items you will need for a trip. Travel experts recommend taking along a first aid kit as well.

Are you planning on taking a relaxing cruise in the near future? If so, you should definitely look into travel insurance policies to protect yourself while globetrotting. If you want to get a free quote and chat with an agent about your options, give the team here at Healthedly a call.

December 19, 2022

Can Your Vision Affect Your Long-Term Mental Health?

General, Health, Self-care, Vision

Have you ever wondered if there is a correlation between your vision and your mental health?

Believe it or not, evidence exists that suggests that your eyesight can have an impact on your long-term mental health. For example, studies have shown that people with poor vision are at an increased risk of developing depression, anxiety, and other mental health conditions.

Poor vision can lead to decreased ability to participate in hobbies:

Poor eye health can limit an individual’s ability to participate in activities that they enjoy such as reading, watching television, or even driving a car. This can lead to feelings of isolation, frustration, and even low self-esteem. This can contribute to the development of mental health issues.

Issues with vision result in becoming accident-prone:

Additionally, people with poor eyesight may be more likely to experience accidents or injuries, which can lead to mental health issues. A person with poor vision may be more likely to trip and fall, resulting in physical injuries and subsequently, emotional trauma. These kinds of experiences can trigger feelings of fear, anxiety, and even post-traumatic stress disorder (PTSD).

Eye strain increases fatigue and headaches:

Furthermore, eye strain can also have a negative impact on mental health. The eyes are closely connected to the brain, and the constant strain of trying to see can lead to headaches, fatigue, and even eye strain. These symptoms can be frustrating and can lead to feelings of irritability and stress, contributing to mental health issues.

It is important to note that not everyone with poor eyesight will develop mental health issues. However, if you are experiencing vision problems, it is important to address them and seek treatment if necessary. This can help to prevent any potential negative impacts on your mental health and overall well-being.

In conclusion, your eye health can have an impact on your long-term mental health. People with poor eyesight are at an increased risk of developing mental health issues such as depression, anxiety, and even PTSD. It is important to address any vision problems and seek eye care if necessary in order to maintain good mental and ocular health.

Vision insurance can cushion any hefty bills incurred by a visit to the eye doctor. Are you looking for a vision insurance plan but have no idea where to start? Agents at Healthedly are standing by to assist you with any questions or concerns you may have. Enroll now so you can get your vision checked as soon as possible.

December 15, 2022

How to Identify Early Signs of a Stroke

General, Health, Health Resources, Medicaid, Self-care

In the U.S. today, strokes cause the majority of health complications. Recognizing the early signs of a stroke could be key in preventing serious injuries or fatalities from occurring. It could mean the difference in life or death, or mitigating severe effects caused by strokes.

Early warning signs of a stroke can be subtle. But equipping yourself with knowledge of these tells is crucial to saving yourself or a loved one.

Keep an eye out for:

Intense migraines
Loss of vision or impaired vision in one or both of the eyes
Numbness in the facial muscles
Numbness or sudden weakness in a leg or arm
Slurring speech or brain fog
Comprehension impairment, difficulty understanding
Increased dizziness or difficulty with walking

Keep the FAST acronym in mind if you suspect the onset of a stroke:

F – Facial muscles drooping or numb

A – Arm weakness or impairment–inability to use an arm or lift it up

S – Slurred speech

T – Time to call 911 and get access to the necessary medical attention

Being able to identify the early signs of a stroke means you can seek medical attention earlier in such a scenario. If you or someone in your family is worried about health insurance coverage and want to learn your options, reach out to a Healthedly agent by calling 855-522-2201.

December 7, 2022

How Long Can You Stay on Your Parents’ Health Insurance?

Individual and Family, Life Insurance

As a young adult, chances are you have questions about your health insurance. So, here’s a rundown of how long a child or young person can stay on their parent’s health insurance, and what happens when your coverage runs out.

When Can I Stay on My Parent’s Health Insurance?

Thanks to the Affordable Care Act (ACA), you can stay on your parent’s health insurance until you turn 26. This is the case even if you have kids, qualify for another plan, start school, or live elsewhere. You don’t need to be dependent on your parents financially, either – it all comes down to age.

Can I Stay on My Parent’s Health Insurance After Age 26?

Not typically, but some states may have different age limits. New York, for example, allows under-29s to remain part of their parent’s health insurance plan if they can’t get employer-sponsored insurance. There’s also a nationwide exception for disabled persons aged 26 or over if:

They are mentally or physically disabled;
This disability means they cannot support themselves; and
The disability began before they turned 26.

Otherwise, your coverage ends when you turn 26. The coverage may not end immediately – it could be during your birthday month or the calendar year. This gives you time to shop around for your own insurance plan without leaving a gap in your coverage.

Can You Stay on Your Parent’s Health Insurance if You’re Married?

Yes. So long as you’re under 26, you can normally stay on your parent’s health insurance plan even if you’re married. However, you might opt to choose your own insurance plan instead – it depends on you and your family’s needs.

Should I Stay on My Parent’s Health Insurance?

It’s a personal choice. On the plus side, staying on your parent’s health insurance means there’s one less thing for you to worry about. You can rest easy knowing your healthcare needs are taken care of.

However, your parent’s plan might not actually be the best option for you financially. And if you live away from home, you might prefer to have more control over your own healthcare.

What Should I Do if I’m No Longer Covered by My Parent’s Health Insurance?

Turning 26 triggers a Special Enrollment Period (SEP). At this point, you can choose your own health insurance policy, whether it’s through your employer or the open marketplace.

Think about what type of coverage you need for your health.
If you have dependents or a family, consider a family health plan.
Determine your budget for insurance premiums.
Shop around for the best deal.

Can My Parents Remove Me From Their Health Insurance?

Yes. By law, health insurance issuers must offer coverage to under-26’s as part of their parent’s plan, but your parents can remove you from the plan before this date. At Healthedly, we can help you find, compare, and enroll in the best available individual and family health plans – call us today on (855) 522-2201.

December 7, 2022

Does Your Small Business Have to Provide Health Insurance?

Group Insurance Plans, Health, Obamacare, Small Business

With Open Enrollment upon us, many individuals and families access the health insurance market seeking the right coverage.

If you are a small business owner, you may be wondering what to expect and what to prepare for as far as supplying your employees with health insurance. You may also be wondering what qualifications you need to meet and what you need to expect as an employer providing benefits for your employees.

Here is what small businesses should know about health coverage for employees.

1) How big is your small business?

Is your company an “ALE”? An “ALE” is an Applicable Large Employer with over 50 full-time employees. If your company is an ALE, you will need to start offering insurance to your employees. If your business does not qualify yet as an ALE, you do not need to offer insurance. However, such a benefit could be an incentive to future employees, and help grow your company.

2) Full-time or part-time employees?

If you have 50 employees or more and they are full-time employees or full-time equivalents, your company would be an Applicable Large Employer. Moreover, at least 50 of your employees need to be full-time equivalents to make you an ALE. If you have 25 full-time equivalent employees and 25 part-time employees, you need not offer insurance benefits.

3) Advantages of offering health insurance as a small business owner

Offering health insurance to your employees offers quite a few advantages that you might have not thought of yet:

Providing health insurance could be an incentive for employees to stay at your company.

Health insurance for employees could give your company a competitive edge and give you the opportunity to stand out among other employers. Adding health insurance as part of a benefits package can help you as a business owner recruit and retain great employees!

4) What about the “Family Glitch”?

Recently, the “Family Glitch” resolved in favor of families seeking health coverage sponsored by employers. In past years, many families fell through the cracks of the healthcare system. Only the employee could afford insurance sponsored by the employer. But the employee’s family members could not afford that coverage. This year, the Biden administration resolved this “Glitch” in the 2013 ACA law. Now, families can access full coverage with employer-sponsored health insurance or through the individual market if dependent coverage is deemed unaffordable.

Are you a small business looking for group plans and coverage for your employees? Reach out to Healthedly to get a free quote and answers to any other questions you may have. Call 855-522-2201 for more information!

December 6, 2022