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Health Insurance

Preventing The Flu Will Help With Health Insurance Costs

By | Health Insurance

The Flue Doesn’t Care if you Have Health Insurance or Not

Have you read the news about the flu outbreak this year? There have been at least 2 deaths reported in California alone with many more across the United States.The flu does not discriminate and has been affecting all ages of people. It is very important that we all try to protect ourselves from catching the flu this year and always.

Preventive Care with Flu Shots

If you have not done so yet, now is the best time to go get your flu shot. It is highly recommended by the Centers for Disease Control. If getting the shot is not your thing, definitely be very vigilant about health safety for yourself and your loved ones. Wash your hands as often as you can especially after using the bathroom, after sneezing or coughing and really any time they could use a good cleaning.

Take Care of Yourself & Do Not Spread It

If you are sick, it is important that you stay home. The only way to keep the virus from affecting other people is to stop it from spreading. By going into public when you are sick, you are making it very easy for the virus to continue on its devastating path. Without anywhere to go, it will run its course and die off without venturing to infect other people. Be sure to disinfect the surfaces you touch as well. Do not forget your computer keyboard, phone and remote controls, too!

Know the symptoms of the flu: headache, fever, runny or stuffy nose, body aches, cough, fatigue and sore throat. If you have these symptoms you should stay home and call your doctor. Not every illness is the flu, but it could be. You may have something else altogether. No matter what you have, it is important to get well. Take care of yourself and hopefully you will be back up and running in no time.

If you have questions in regards health insurance helping with flu shots, contact us today!

Children’s Sport Medicine and Health Insurance

By | Health Insurance

You Child’s Emotions When Playing Sports

If you have kids in sports, you know that it can be an exhilarating experience for everyone involved. Emotions can fly around on the field as quickly as the players. Keeping your child’s emotions in check is just as important as teaching them the rules of the game. In fact, keeping emotions from becoming a problem IS one of the rules of the game – any game.

Sports are really great for kids – they keep them active, teach them a discipline and help promote teamwork. Kids these days are supposed to be exercising at least 60 minutes a day every day, so being in a sport is a great way to accomplish that. But when kids start getting angry on the field, it sort of defeats some of the purpose of the team. Playing dirty, name calling and intentionally fouling players is not the way any game should be played. Frustration sometimes happens; it’s how they deal with it that matters.

It is one thing to be determined, but it’s an entirely different thing when a player plays like he’s out to get someone. If you notice your child getting angry on the field, don’t encourage it. Let the referees call fouls without yelling at them when you know your child has done something he shouldn’t on the field. After the game, talk to him and find out what the problem might be. There may be something underlying that he is frustrated about. Try to help him work it out before the next game to prevent any future injuries or foul calls.

The best thing you can do is to support your child on and off the field. Talk with the coach about any concerns you might have. Your child should know that it is OK to play aggressively, but not to play dirty.

And to ensure your child has the best health insurance coverage available contact an agent at Harrington Insurance Agency.

Why Health Insurance is Considered an Investment

By | Health Insurance, Personal Insurance

Virgil, a famous poet of ancient Rome, was quoted as saying “The greatest wealth is health”. While his advice may be hundreds of years old, it is still quite accurate – nothing is more important than your health. Taking care of yourself in this day and age, however, has become an expensive luxury not everyone can afford. Do you have insurance? It may be the best thing for your health and wallet to obtain a policy.

The Rising Costs of Health Insurance in United States

The purpose of obtaining insurance is to keep the price of necessary medical care to a minimum. Consider all that is involved with an annual physical. You have to pay for the doctor’s time as well as blood work and various other labs. In the event that you require an EKG or another advance test, the costs rise even more. An injury or illness that requires a hospital stay could easily put an uninsured individual into financial turmoil.

The Real Danger of Not Having Regular Check ups

To avoid purchasing health coverage and high medical bills, some people simply avoid doctors’ offices and hospitals. This mistake could lead to dire consequences. The prevention and early detection of certain illnesses relies on regular health evaluations. High blood pressure, for example, could signal you are at risk for stroke, heart attack, and various other diseases. Finding this out at your next doctor’s appointment could give you a chance to take action to reduce your risk.

Are you in need of medical insurance? One of our experienced customer service agents at Harrington Insurance could help guide you in finding the right plan for your health and lifestyle so contact us today!

How Your Lifestyle Can Effect Your Health Insurance

By | Health Insurance

How Can My Lifestyle effect my Health Insurance?

There are many things you could do that are bad for your health. Some of the most harmful include smoking, and drinking excessively. Did you know that scientists have found a link between these two addictions? According to the National Institute on Alcohol Abuse and Alcoholism, people who are dependent on alcohol are three times more likely to be smokers, and people who are dependent on tobacco are four times more likely than the general population to be dependent on alcohol.

There are many disadvantages to smoking and excessive drinking. The medical consequences of such habits cannot be ignored. Various cancers have been linked to both alcohol and cigarettes, as have heart attack and stroke. It is important to kick such habits before your health is negatively affected, or your life is cut short.

You should also reflect on the risks you are taking with your relationships, both personal and professional. Taking frequent smoke breaks, especially in California workplaces that are smoke-free, could be impacting on your career prospects. Also consider also the economic impact of your habit.

Save Money on Health Insurance Premiums and More!

How much cash do you spend on alcohol or cigarettes? Are there areas where this money could be better spent, such as paying down your debt? Being a smoker or heavy drinker may also lead to being charged higher premiums for life and health insurance.

Health Insurance and Being Prepared for Illnesses

By | Health Insurance, Personal Insurance

Being Prepared for the Unexpected with Health Insurance

Why do you need California health insurance? Serious illness can strike at any time, and you would not want to be struggling financially while trying to recover from a disease such as cancer. Even if you have never smoked or abused alcohol, there may be a number of possible cancer-causing substances around your home.

The American Cancer Society lists the following as possible carcinogens that are commonly found in residences:

  • There have been many studies on the possible link between hair dye and the development of tumors.
  • Radon is a type of radioactive gas that is thought to cause lung cancer after extensive exposure. Common sources of radon include building materials, soil, and certain water supplies.
  • While not thoroughly tested, some people have started to voice concerns over the possible side effects of cosmetics.
  • Perfluorooctanoic acid is used in the creation of Teflon, a commonly used coating for nonstick pans. It has been connected to tumor growth in animals, but any effect on humans is not yet clear.
  • Depending on how old your home is, it could contain asbestos. These fibers are considered very dangerous when disturbed, which makes it vital to call in a professional should you suspect your home was built with materials containing asbestos.

While all the above items have been thought to be linked to cancer, it is important to remember that the cause of cellular mutation remains a mystery to medical experts. Your best bet to prevent and treat cancer is to have regular checkups with your physician. Having California health insurance could help ensure such precautions do not break the bank.

Understanding Health Insurance Costs

By | Health Insurance, Personal Insurance

What Exactly am I Paying for with my Health Insurance Policy?

hen deciding on the type of California health insurance that may be best for you and your family, it is as well to take the time to make sure you fully understand the financial implications of different policy choices. One of the areas which can cause confusion is choice of physician.

We Are Here to Help Clarify

Let’s see if we can help simplify this key element of health insurance. When you purchase a policy, you can choose to pay a higher or lower deductible. This is the amount you pay out-of-pocket before the insurance company starts to contribute.

What does “In Network/Out of Network” Mean?

When you want to visit a particular doctor, and he or she is not part of your insurance company’s network, you typically have to pay the deductible. Should you have chosen a higher deductible, then clearly it may cost more to see your physician of choice. On the positive side, your premium is likely to be lower.

On the occasions when your physician is part of your insurance company’s network, you typically pay less, or you may not be required to pay the deductible at all. In addition, the fees for various medical interventions have usually been agreed by the physician and the California health insurance company, as part of the participation agreement. This means there are less likely to be surprises or arguments about charges. How do you find one of these doctors? Your insurance company should provide details of its medical network when you have taken out a policy.

If you have any questions at all about your health insurance policy, be sure to contact us today!

Staying Fit with the Help of Health Insurance

By | Health Insurance

Health Insurance Can Help with Your Fitness Goals

Improving your health and fitness may enhance the golden years of your retirement, and could help minimize the need to call on your California health insurance. Retirement could be the opportunity to make your dreams come true, and you’ll want to be as fit as possible.

Great Ideas for Staying Fit

This is more than popping a few vitamin pills every day, although that might help in some cases. There are a number of ways to help maintain or even increase fitness post-retirement.

Taking up pilates or yoga might improve your agility, flexibility and core muscle strength. These exercises have the advantage of being widely available, typically inexpensive and, due to their popularity, classes are usually available for all ages and abilities. Another advantage may be that they do not require the purchase of expensive equipment or special clothing.

Perhaps you feel you might be better suited to something a little more active? Tennis or golf might appeal. Although they may be a little more expensive in terms of clothing and equipment, they too are widely played and by all ages.

Joining a class or a club may also have the associated benefit of widening your social circle. An active social life is often said to be supportive of continued good health and general engagement in life. With health and fitness taken care of, hopefully it might be a long time before you need to call on your California health insurance for anything major.

Health Insurance Easing Medical Costs due to Heavy Drinking

By | Health Insurance, Personal Insurance

Health Insurance and Regular Check Ups can Prevent Serious Illness

Early detection is often the key to surviving or limiting the damage of major illnesses. Visits to a physician do not come cheap however, which can keep people from going in for regular checkups. With a California health insurance policy, you could have aid in paying for these necessary medical costs.

Don’t think you are a risk for a major illness? Carefully consider your relationship with alcohol: do you stay below the limit? According to the Center for Disease Control and Prevention, overindulging in alcohol carries a massive amount of health risk:

  • Liver cirrhosis, which is basically damage to the cells of the liver, is a common issue among alcoholics.
  • Inflammation of the pancreas, also known as pancreatitis, is another typical (and extremely painful) ailment.
  • Heavy drinkers are often susceptible to a multitude of cancers, including mouth, larynx, esophagus, throat and liver.
  • High blood pressure has also been linked to heavy drinking.
  • Various psychological disorders have been connected to alcoholism as well, such as depression and violent outbursts.

When was the last time you obtained a professional’s opinion on the state of your health? Regular checkups and screening tests are a vital part of looking after oneself, but they become even more important when an individual may be at risk due to high consumption of alcohol. You do not have to spend all your money getting the medical care you need, California health insurance is designed to cover much of the costs of healthcare for the policyholder.

Health Insurance and Carbon Monoxide Poisoning

By | Health Insurance

Health Insurance Can Help Ease the Hospital Bills if Suffering from Carbon Monoxide Poisoning

One of the deadliest gases found on earth is carbon monoxide. Derived from burning fossil fuels, carbon monoxide has no smell or color, which allows the danger to go unnoticed. Should you ever be exposed to it you should immediately call 911 or make your way to the emergency room, a visit which may be made less expensive by your California health insurance.

Once inhaled, carbon monoxide could easily get into the blood stream and block oxygen from getting to the essential parts of the body. This is because carbon monoxide is absorbed into the blood with less effort than oxygen.

Carbon monoxide poisoning is often difficult to diagnose, as many of the symptoms associated with it could easily be mistaken for a wide variety of other illnesses. Some of the symptoms are headache, dizziness, weakness, nausea, vomiting, chest pain, and confusion.

When you suspect you are being exposed to carbon monoxide, your first step should be to get some fresh air. Next, call for medical help and explain that you believe you have carbon monoxide poisoning. Tell the dispatcher where you are and follow any instructions that you are given. Depending on the severity of your condition, you may be admitted into hospital, which could be an expensive experience if you do not have California health insurance.

Contact us today to get a health insurance quote.