​Technology continuously changes the limits of what humans can do. With DNA testing, you can now learn more about your genealogy and may be able to determine disease susceptibility. However, there are certain limits to these tests you should know about.
 
Learning more about yourself from the comfort of your own home in a fast and easy manner is alluring, but it also comes with many risks. So before you mail in a DNA kit to learn more about your ancestry or disease propensity, make sure you understand three important facts. 

​Sometimes, things in life happen that you didn’t plan for, such as losing health insurance. When this happens, you may still be able to receive health insurance due to special events. So, what is a qualifying life event?
 
Open enrollment for health insurance is when most Americans choose coverage, but there may be times when you need coverage outside of this period due to changes in your life. There can be several reasons why your insurance changes. Understanding what qualifying events are and how they can affect your insurance is essential to being covered. 

​When you provide employees with healthcare through your company’s policy, there are many people you need to become acclimated with. One of the most important people to know is your health insurance broker. Brokers provide detailed recommendations about which plan is best for your company’s needs. Brokers sell plans from certain health insurers, and they typically receive commissions based on sales. They are regulated by the state and require licenses. Know why your business needs to work with a broker so that you can reap the benefits. 

​All businesses need an onboarding program to introduce new hires into the working environment. Before starting an official guide, an employer first needs to determine how long the introduction process will last, what impression the new hires should walk away with and what role other employees will play. This time is also good for going over employee benefits, including your small business health insurance plan and paid time off. Here are the five objectives that you should follow throughout the onboarding process.​

​In 2016, 3,450 individuals lost their lives to distracted driving. Cellphones, GPS systems and radios were major contributing factors in these fatalities, but technology is not completely to blame. Drivers have been known to become distracted by food, which they attempt to scarf down between appointments. Many get distracted by lost items, unfinished morning routines (putting on makeup, brushing their teeth, applying deodorant, etc.) or even other passengers. In fact, approximately 15 percent of distracted driving accidents are the result of drivers interacting with one or more passengers. 

​In Sonoma County, you would probably prefer to sit back, sipping on a glass of wine, rather than worrying about insurance denials. Unfortunately, denials are all part of the health insurance game, and while denials may be irreversible, some rejections can be fixed and resolved relatively quick. The one definite after receiving a denial is that you, as the insured, are entitled to an explanation. However, while you await the detailed reason for your denial and get ready to appeal the decision, it does pay to familiarize yourself with the 5 main reasons for health insurance plan denials. 
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