When is the last time you went through your medicine cabinet and tossed old bottles? If yours is like millions of others, you probably have a prescription or an over-the-counter medicine or two that have reached their expiration date. Medicine is expensive, and you aren't alone if you're considering using expired medication instead of tossing it out. Before you do, you should know whether it is safe.
Planting Vegetables and Fruits For Health and Wellness
Are you looking for something educational and healthy to do with the family this summer? Why not grow your own vegetables and fruit in a smart garden meant to benefit your brain? Growing excellent food and getting your hands dirty with the kids is the perfect way to teach health and wellness.
Health Insurance Options for Small Business
Health care costs aren’t just affecting individual people–businesses are struggling to cover their employees. Trying to find affordable health insurance for your small business can seem like an impossible mission. Not only are the costs unmanageable, but sometimes the employee benefits that are supposed to work for “all” don’t really do that.
Thankfully, there are health insurance alternatives for small business groups like yours. In order to help you make the right decision for your small business, we’ve decided to lay out your different options. You’ll find the benefits and drawbacks of each so you can choose the one that best fulfills your needs.
1. Standard Group Health Insurance
Do you have less than 50 employees? If so, a traditional policy from the SHOP Marketplace may be a good option for you. These policies are offered by federal and state-run exchanges and come with tax credits. However, you must meet the eligibility requirements, so you’ll want to contact us Sackett & Associates Insurance Services to ensure this is the way to go for your company.
2. The Qualified Small Employer Health Reimbursement Arrangement (QSEHRA)
Thanks to a bipartisan bill that was passed in December 2016, the QSEHRA is now an option for companies with fewer than 50 workers. Here’s how this program works:
You set the allowance and your workers make their own purchases. If personalization and freedom are priorities, then consider going with QSEHRA.
Entering a co-op is one method that many business owners have seen to be tried-and-true. Joining a co-op spreads risk to a bigger group and increases buying power. However, not every co-op is created equal. Before you join one, make sure you determine whether it offers a better rate than something you can get elsewhere.
4. Private Health Exchange
In a private exchange, your small group provides employees with a contribution they can use for plan options. These plans may be group- or individual-based. Brokers may offer this type of option by partnering with a private exchange provider or defined contribution.
5. Private Small Group Plan
You always have the option to buy a private plan. If you want more carriers and options than what’s provided by the SHOP Marketplace, then this may be something to consider.
If you need help finding affordable health insurance that makes sense for your business, call us at 707-823-3689 for a quote.
Health Insurance for Small Business
If your business has conventional group health insurance, you may feel frustrated about the financial and administrative burdens associated with it. Not only is traditional insurance getting more expensive, you may find that the “one-size-fits-all” approach to employee benefits isn’t really working. This type of coverage may insufficient for your company. Here are some reasons why you may need to consider an alternative for your small business health insurance.
1. It’s Unaffordable
Having a small business means you have a small workforce and less resources. Because of this, group insurance plans are simply too costly to manage. The price for these plans has skyrocketed recently and it’s not going to slow down any time soon. That being said, if you’re unable to provide health coverage for your employees, it can make it difficult to hire and retain people.
2. It Doesn’t Meet the Needs of Your Employees
The standard approach to group health insurance just doesn’t work anymore for many businesses. For example, if your workforce spans multiple generations, it’s virtually impossible to find a group policy to accommodate everyone. The health needs of someone in their 20s are vastly different than those of a baby boomer. Today’s workers prefer flexible and personalized health benefits, making it difficult to attract talent if you can’t offer them.
3. You Don’t Have Enough Time
Administering group health insurance can be time-consuming and complex. As you operate and try to grow your small business, you may not have enough time to administrater health care tasks such as:
Running a small business means your time and resources are probably already stretched. You may not be able to justify the additional stresses associated with a traditional health plan.
Generally speaking a group health insurance policy is usually the best option for providing health insurance benefits for small businesses. Sackett Insurance Services can take the hassle out of most of the administration work and renewals. However, If group health insurance isn’t working for you, don’t worry. Thankfully, there are plenty of other options out there that provide you the affordability and flexibility you need. Find out all the small business health insurance optionsyou can get through Sackett Insurance by calling our office at (707) 823-3689.
ER, Urgent Care, or Primary Care Doctor? Where should I Go for Health Care?
Some decisions are easy. When you need a haircut, you go to the barber or hair salon. If you need to fix your car, you see a mechanic. But making choices regarding your health care can be a lot murkier. When you’re hurt or feeling sick, you may wonder whether you should go to the emergency room, an urgent care facility, or schedule an appointment with your primary physician.
Knowing where to go can be difficult. It all depends on your specific ailment, timeframe, budget, and health insurance. Here’s a guide to assist you.
If you have a health emergency that requires immediate treatment, you should go to the emergency room. Some serious conditions that warrant an emergency room visit include:
Whether you suffer a serious injury or are experiencing symptoms of a stroke or heart attack, you should get emergency treatment.
Urgent care centers and walk-in clinics are great options if you can’t wait for your primary doctor. Sometimes your doctor may be booked for days, weeks, or months at a time. Perhaps you need to get medical care on the weekend or after-hours. Certain symptoms and conditions simply can’t wait but don’t necessarily justify a trip to the emergency room. Potential reasons for getting urgent care include:
An urgent care facility can also provide X-rays and stitches if necessary. In most instances, the cost of going to an urgent care center will be less than an emergency room visit, but you should always determine whether the center accepts your health insurance plan before going.
Primary Care Doctor
You should always contact your doctor’s office first if you’re in a non-emergency situation. Your doctor knows your in-depth medical history and will be able to assist you with everything listed above in the Urgent Care section. Plus, your doctor will promote your health and conduct preventive screenings. This is the most cost-effective option, so if you can wait to see your primary physician, you should do this instead of going to urgent care.
You can receive health care in various places, but it’s ideal to get it from your primary doctor when possible. This usually costs less and takes less time than urgent care or the emergency room. For more health tips from Sackett Insurance, like our Facebook page.
How Exercise Leads to Happiness
Part of the American tradition is the pursuit of happiness. But what exactly is happiness, and how do you go about pursuing it? You’ll find various answers from various sources, but one approach has science to back it up. Daily exercise is a significant contributor to lasting feelings of joy, calm, and positivity. Maybe you already know this, or maybe you were hoping exercise wasn’t necessary to your emotional health. Either way, you may be surprised at just how this connection works.
How Exercise Alters Your Mood
When you exercise, your brain releases certain chemicals that dictate how you feel. One of them is a protein related to the fight-or-flight response that helps to repair and restore your body. The others are endorphins, which are hormones that reduce your sensitivity to pain and activate your limbic system to produce feelings of relaxation and pleasure.
Although you may associate exercise with pain and agony, it actually leads to the opposite! The effects are durable, as well, lasting well after you’re done with your physical activity. Studies have linked daily exercise with lower depression, anxiety, and stress. When these emotions decrease, you have more ability to feel happiness and hope.
Exercise can also raise your self-esteem as you improve your health, but reaching a weight loss or lifting goal doesn’t create the same lasting happiness as the physical act you did to achieve the goal. That is, it’s the journey that brings us joy, not the end result.
How To Exercise Every Day
Who wouldn’t want these amazing emotional benefits? If you’re ready to experience them, that’s great! Just start slowly to prevent discouraging or injuring yourself. First, talk to your doctor before beginning a regimen. Once you’ve received clearance, begin with 10 minutes of moderate physical activity each day, such as going for a brisk walk or doing yoga.
Slowly work your way up to 30 minutes a day, the general recommended amount. However, if you can’t carve out that much time, 20 minutes is enough to reap the rewards. Slowly increase the intensity of your workouts, too, to get the maximum physical and mental benefits. Have a friend join you for accountability and motivation.
Another Reason To Be Happy
When you take care of yourself, your body will show its gratitude – and so will your insurance provider. You can lower your coverage costs by exercising daily, which will definitely bring you more happiness. For more information on how to lower your insurance costs, speak to one of our associates at Sackett Insurance at 707-823-3689 or request a free quote. You can also learn more by liking us on Facebook, finding us on LinkedIn, and subscribing to our blog.