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!
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.
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.
https://healthedly.com/wp-content/uploads/2022/08/Healthedly-Blog.png9001366Rebecca Allenhttps://healthedly.com/wp-content/uploads/2022/06/Healthedly.svgRebecca Allen2022-12-21 11:01:302022-12-20 11:23:55Colon Cancer and the Importance of Early Screenings
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.
https://healthedly.com/wp-content/uploads/2022/09/Healthedly-Blog-1.png9001366Rebecca Allenhttps://healthedly.com/wp-content/uploads/2022/06/Healthedly.svgRebecca Allen2022-12-15 11:28:562022-12-15 11:28:59Can Your Vision Affect Your Long-Term Mental Health?
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:
Loss of vision or impaired vision in one or both of the eyes
https://healthedly.com/wp-content/uploads/2022/08/Healthedly-Blog.png9001366Rebecca Allenhttps://healthedly.com/wp-content/uploads/2022/06/Healthedly.svgRebecca Allen2022-12-07 09:45:002022-12-12 08:51:14How to Identify Early Signs of a Stroke
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.
https://healthedly.com/wp-content/uploads/2021/02/Healthedly-Blog.png9001366Rebecca Allenhttps://healthedly.com/wp-content/uploads/2022/06/Healthedly.svgRebecca Allen2022-12-06 09:18:202023-02-17 17:42:16Does Your Small Business Have to Provide Health Insurance?
Flu season is back in full swing for Fall of 2022. Are you ready for it? Cool weather is rushing in, holiday festivities are ramping up, and that means more get togethers, more contact with others, and lack of social distancing. So, how are you going to avoid catching the flu?
What is CDC’s recommendation for getting a flu vaccine?
The CDC recommends getting the flu vaccine at least once a year for everyone six months and up! If you are a senior, a new type of flu vaccine exists called the adjuvanted flu vaccine you should consider researching.
When is the best time to get my flu vaccine?
Doctors recommend September and October as the best time to get vaccinated. October should be the latest you get vaccinated. People older than 65 should not get vaccinated earlier than September, in August or July. In special cases, some children ought to get vaccinated twice for better protection against the flu.
Moreover, if you are pregnant, you should look into flu vaccines earlier since generally, your baby will not be able to get vaccinated in the first few months of life.
Is it safe to get a COVID-19 vaccine and a flu vaccine at the same time?
If you are eligible to receive both vaccines, you may be able to during the same visit. However, it is generally recommended that you get the COVID-19 vaccine as soon as possible. When October comes around, you can then receive the flu vaccine.
When will flu season hit its peak?
The flu season tends to hit its peak in February, so experts recommend that you get ahead of that peak and get your flu vaccine in the fall, in September or October, so your body has time to build up its immune system against this virus.
https://healthedly.com/wp-content/uploads/2022/08/Healthedly-Blog.png9001366Rebecca Allenhttps://healthedly.com/wp-content/uploads/2022/06/Healthedly.svgRebecca Allen2022-11-28 10:10:212022-11-28 10:10:22Are you ready for the 2022-2023 Flu Season?
You just turned 62. You’ve heard about Social Security, but you don’t know enough about it yet. If you keep reading you will discover the reality of social security and be able to determine when to start taking advantage of these benefits.
How much will the checks be?
The sooner you sign up for Social Security, the smaller the checks you receive will be. Every year you wait to sign up, that check gets larger. The latest you can wait to sign up is when you turn 70 years old. Why is this the case? The government has decided on an average human life expectancy. So, regardless of when you sign up between the ages of 62 to 70, the amount of lifetime benefits generally stays the same from person to person. So, don’t base your decision on the check size, but on your family situation, your finances, or your medical needs.
What are your retirement assets?
The first and foremost important thing to do is to evaluate your current situation, and any other retirement assets that may come into play. Remember that this decision is a personal one. Generally, if you can, it is recommended to wait as long as possible after you turn 62 to start taking social security benefits.
You will need to sign up for Medicare by age 65, and social security benefits can help pay for Medicare coverage. So, if you are planning to retire by age 65 and thus end employment-sponsored coverage, you will need to ensure you have the assets required to sustain Medicare payments.
What is right for you?
You will need to assess your situation, your assets, and your needs, to make an educated decision for when you wish to start taking social security.
If you are a senior citizen with questions about health coverage, Healthedly is here to help. You can call us at 855-522-2201 to get a free quote and learn more about what you are eligible for.
https://healthedly.com/wp-content/uploads/2022/09/Healthedly-Blog-1.png9001366Rebecca Allenhttps://healthedly.com/wp-content/uploads/2022/06/Healthedly.svgRebecca Allen2022-11-23 13:38:002022-11-28 10:26:11When should you start taking Social Security?
If you are a hearing aid user, you will be happy to hear that they just became available without a prescription! Even better, you can purchase a set for prices as low as $199 over the counter. Gone are the days of waiting for a prescription to improve your hearing capabilities or replace broken aids.
So, what does this mean for you exactly?
Before, we could only access hearing aids with a prescription from an auditory specialist. Generally, these devices cost thousands of dollars, even with a prescription. But now companies like Walmart promise to sell these audio-enhancing devices for prices as low as $199.
Dr. Frank Lin of John Hopkins University predicts that the hearing aid industry may need a few years to establish itself and sort out. But rest assured that before long, more and more retailers will make hearing aids available in stores near you. Lin also believes that prices will lower even more significantly in the next few years.
Over-the-counter aids will cost less mostly due to the fact that they will not be specifically tuned and fitted by an audiologist. However, manufacturers will make it possible for users to tune the aids for themselves thanks to phone apps and software.
Sony has announced OTC hearing aids manufactured at a South African-based company called hearX, which also creates Lexie devices.
Bose also plans to collaborate with hearX to develop Lexie hearing devices. Bose will partner with retailers such as Walgreens, Walmart, and Best Buy to develop hearing aids with hearX’s Lexie devices.
So, there will be no shortage of options to choose from, as the over-the-counter hearing aids market expands and grows.
About 37 million Americans struggle with their hearing. However, only 1 in 4 Americans who need these auditory-enhancing devices are able to access hearing aids.
This push to make hearing aids available over the counter will be huge in allowing new demographics of Americans access to better hearing.
https://healthedly.com/wp-content/uploads/2022/08/Healthedly-Blog.png9001366Rebecca Allenhttps://healthedly.com/wp-content/uploads/2022/06/Healthedly.svgRebecca Allen2022-11-22 13:15:342022-11-22 13:15:39Hearing aids now available without a prescription!
Running a small business is hard, and navigating getting your employees health insurance can really be a hassle. Especially if you don’t have experience or a trusted advisor. With that in mind, we’ve crunched the numbers. We’ve come up with the best group health insurance plans for small businesses.
We want to make sure you have as many health insurance options as you can get. You should know the plan options and the health benefits available to you. We also want you to know how to provide your small business’s number of employees health care that will be good for them.
#1. UnitedHealth care
Why Get It: Coverage in all 50 states, largest health insurance provider in USA
When it comes to the best small business health insurance plans, everyone trusts UnitedHealth care. That’s why they’re the largest health insurance provider in the United States. They have coverage options in all 50 states. This makes them even more attractive if you’re a business that operates remotely but wants to have a single health insurance plan.
They have a national network of doctors and hospitals, making them one of the most accessible insurance organizations. On top of this, UnitedHealth care is moving hard into the digital realm with consultations over computers and mobile. Hence, this lowers costs for the insured.
#2. Blue Cross and Blue Shield
Why Get It: Coverage specialized to your area through local health insurance agencies
Blue Cross and Blue Shield is an interesting one, because they work through 36 different local health insurance companies. This makes them more tied to specific geographic areas and leads to a more targeted view of business. Like United HealthCare, Blue Cross and Blue Shield are available in all 50 states, and it is the most popular plan on this list: one in three Americans is covered under the Blue Cross and Blue Shield (BCBS) Association.
Why Get It: Specializes in small business healthcare
Humana is a very large health insurance company, and is on this list because they make a concerted effort to offer health insurance to small businesses. Some of the perks of Humana Small Business include in-network preventive care, 100% covered by all Humana group plans. They also offer telehealth visits, and the Humana Pharmacy
Why Get It: High-deductible plans with tax advantaged savings options
Aetna is a long-standing pillar in the health insurance community, and they offer something very attractive to small business owners: high-deductible health insurance plans with tax-advantaged savings options.
Known especially for their good customer service–something that’s hard to find in an insurance company–their large provider network of more than 700,000 providers gives you access to every kind of care you need.
The downside is that Aetna is not available in every state, and you usually can’t get a quote without an Aetna sales rep walking you through the options.
Choose the best Small Business Health Insurance for you
If none of the above are the right fit, no worries, we have other options for small business health insurance. Now is the time to get to know plan options for your employees.
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Extremely large breasts or macromastia can cause long-lasting health problems. In the United States, over 80,000 breast reductions occurred in 2021 according to the Aesthetic Society, a 49% increase from the previous year. Insurance companies typically consider reduction mammoplasty (breast reduction) a cosmetic and elective procedure. But, under certain conditions it may become a medically necessary procedure. If you qualify, health insurance companies do cover this specific surgery’s costs under certain medical requirements.
Reasons breast reduction is medically necessary
A medical professional will have to determine that the surgery is medically necessary. Moreover, the doctor must also make sure you have tried nonsurgical means to treat the chronic health conditions of macromastia.
If you have health insurance, your provider should cover a reduction mammoplasty procedure to resolve a condition that causes:
back or neck pain
or other chronic health symptoms
How to make sure your insurance provider will cover a breast reduction
There are several steps to qualify for breast reduction surgery coverage. Get ready to spend some time with paperwork and providers to prove the surgery is a medical need. Follow these steps to determine whether this type of surgery is an appropriate treatment for your condition and whether your health plan will cover it:
Ask for medical documentation from a physician confirming that you have a medical condition that makes breast size a contributing factor in how you feel physically and emotionally on a daily basis (for example: back pain due to large breasts or breathing). Be prepared to provide this documentation when filing claims with the insurance company.
When you’re talking to your insurance provider about breast reduction surgery, you need to prepare beforehand, and understand the rules of your plan. If you have any questions or concerns about whether or not your health insurance will cover your surgery, talk to your friendly licensed agent at Healthedly to find the right plan today. Or, call 855-522-2201 for more information.
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This website is operated by Healthedly Insurance Services, LLC. It is not the Health Insurance Marketplace website. Not connected with or endorsed by the U.S. government or the federal Medicare program. We do not offer every plan available in your area. Any information we provide is limited to those plans we do offer in your area. Please contact Medicare.gov or 1-800-MEDICARE to get information on all of your options.