There is a boost  in the free screening and medical test.  These free benefits come with almost all newly issued Health Insurance plans.  These medical screening and wellness plans are targeted to keep you healthy and early detection assures a high degree of cure and extended good health.  Beyond the free screening and wellness, there is the co-pay which is a discount for going to the doctor.  These benefits will give you peace of mind and assurance that you will receive good medical treatment.  The overall deductible will insure that you will a have a stop loss you choose, as well as a cafeteria of other plan options.  Health Insurance plans blended with critical illness and accident benefits give the insured the security that there will be enough money to sustain a stay in the hospital or a extended illness.  Dental Insurance is the core preventative plan for oral disease, and infection.  It also insure a healthy body and smile.

   As you know screening for breast cancer is achieveing remarkable results with almost 80% of the women being screened, however the cancer rate is still high.  This risk is a very important reason women should have health insurance.  Free screening and wellness plans, and the assurance that the plan will pay for cancer and extended treatment.

   Cardio Vascular medical problems is the leading cause of death in women, 33% more than cancer.  Combining these two medical problems is a very important reason to get a Health Insurance plan. 

   Mammogram and Colorectal exams continue to be the number one screening for common health problems.  They should be conducted for men and women on a regular basis and more often if there is indicators that these test should be done more often.  These test are free with the new model plans and the Health Insurance assures that the illness if detected will be paid according to the plans each individual selects. 

   The current numbers are most recent study 139,000 new cases of colorectal cancer with 53,000 men and women died.  Invasive breast cancer was detected for 191,000 and 40,000 women died.  For women, 25,000 died from Lung Cancer and never smoked.  This is a strong statement for second hand smoke and the long range effects it has.

  There is a plan for you.  Contact your professional Health Insurance Advisor and select a plan that is right for you, began using the plan as soon as possible and peace of mind will surely follow.  Know the condition of your health will lead to proper healthy lifestyle and treatments.

Here is to your good health,  Take Care  Zeke Vance

A staggering 137,000 of Americans die in a year due to the lack of Health Insurance. Often it is the reason people do not go for preventative care, screening or practice healthy life styles. The value of buying Individual Health Insurance is the value you place on your well being, peace of mind and your family members. What is good for you is good for the entire family.
Having Health insurance can save your savings, house and your life style. 70 percent of all bankruptcy is due to unpaid medical bills. It will afford you with free health screening, preventative health exams. Usually this amount to $600 or more if you would pay it out of your pocket. Deduct this amount from your annual premium and the part left over is how much you actually pay for premiums. The amount of copay is a discount for going to the doctor, hospital or treatments. $25.00 copay for several hundred of dollars is a good deal, compare it to anything else you buy.
Often people say they cannot afford health insurance, but can they afford to pay out of pocket? Can they afford to loose their health or life? Can they afford to be disabled due to health conditions and not be able to earn a living? Often these people do not understand how individual health insurance works.
Seek out a licensed agent, discuss what you expect and the kind of policy for your particular needs that will fit your budget. You pay for 100 percent of your car maintenance cost, why not get a plan that would cover 80 to 100 per cent of your medical cost. Along with the free health benefits.
When you rely on a licensed professional Health Insurance Agent, it is easy to get the information you need to make informed decisions. You also have the agent for the times you need to use the insurance.

To Your Best Health Zeke Vance

As health care cost rise, everyone is lookin gor ways to reduce medical insurance premiums. Here are 6 way to reduce Medical Insurance premiums. To fine tune these ways consult with a Licensed Health Insurnace person to assure the changes are best for you.
1. Swith to a HMO or PPO policy. If you have a traditional indemnity, switchto a Health Maintenance Organization (HMO) or a Preferred Provider Organiztion (PPO) policy. You will have to choose your health care providers from an approved list, butin return, you will pay much lower monthly premiums. You will also have more coverage for extended or long range medical events.
2. Raise your co-pay and Deductables. The Co-pay is the amount you pay for office visits, while the deductible is the amount your pay toward medicl bills before the insurance company begins paying. Increasing your co-pay and decuctable will decrease your premium. Just make sure you can afford the co-pay at every visit and that you will be able to cover the deductable. New concept in paying for the High Deductable plans is to purchase Critical Illness and Accident plans to pay $10,000 and up when the insured should need to be admited to the hospital. In the long run you will have more coverage and less premium.
3. Improve and maintain your health. Most Insurance Companies have a wellness and preventative illness program along with the National Health Initative the information and plans are in place. Usually the Insurance Companies offer these screening at no cost on a annual basis. Some of the key elements are Loose weight, Exercise, Change your diet, Stop Smoking, Reduce Alcohol. Healthy habits and Healthy life style do pay off with lower premiums and fewer visits to the doctors and reduction of chronic illnesses as Diabetes, and Heart diseases.
4. Ask your employer about the tax savings advantages (FICA & Income) with a defined contribution health plan, voluntary with employees and employers. It is the new model for getting health insurance. It is portable, guaranteed renewal and affordable.
5. Consider Catastrophic Coverage: The best way to implement this is to consult with a Licensed Health Insurance agent. A writtne plan covering the Health Insurance, Life, accident and Critical Illness. A well planned policies will give you more coverage and less cost.
6. Consult with a Licensed Health Insurance Advisor. Each person or family is different so should your choice of the plans to best suit your needs and expectations. All Insurance Policies should be reviewed on a regular basis to assure you have maximum coverage and benefits.

A little conversation goes a long way. Seek out professionals, and stay away from One plan designs is every thing you need. A multiple plan design with life, accident, critical illness and disability will give you a wide spread safe coverage and benefits.

To Your Good Health, Zeke Vance

Ths is no ball game, but the ball is in your hands, the name of the game is Responsibility, and no one to pass it to! What, when, where would go to secure long term care for you loved ones? How would you pay for it? Are you prepared to keep your loved ones at your house, or theirs? There is also a dozen other up front questions you could ask and the ansewers will change as You and your loved ones age.
As a Society, we are not prepared. As babby boomers, we are in denial, and in the age group 30 to 60 we are unaware, about the millions of loved ones faced with the long term care problem. For every one who needs long term care, there is a least one child or family member who will need to look after them. This clearly more than doubles the number involved.
The cost of Long Term Care is more than the general public can sustain. The Federal and State Govermnets will not and cannot afford to give you or your loved ones money to do this. The ball is in your hands, the name of the game is responsibility!
One of the best reasons for individual health insurance, with copays and deductables, with wellness benefits is to stay healthy!

One source for good information is “Paraprofessional Health Care Institute” or PHI, look them up and find out the details. Another good source is www.medicare.gov. Look up what you think your benefits are! You will find not enough and very limited. Another good source is a professiona insurance Agent, registered in the state where you will reside. That agent can give the current detail based on current data. Long Term Care policies are considered Health Care Policies, the care in can pay for is Health Care Needs.

Just as we have a current Health Insurance crisis whe have a pending Long Term Care crisis. It is here and Now, and it is understaffed, underfacilitated, and the only way is to take care of 60% of the Long Term Care people is at home and for your to pay for it. There is one good way to have the medical cost taken care of is to get a very good Health Insurance Policy to take care of the medical and paharmacy while at home…This is true with Medicare, get a helath care professional to help you select a Supplement to Medicare, Health Policy.
Basically become prepared today for every member of your family and review the plans each and every year. The elements are healthy life style, Health Prevention with wellness, Health Insurance Policies to pay for the very best care, and Long Term Care policies for the time when every person will need care.

To Your Best Health, Zeke Vance www.MyAzInsuranceAdvisors.com

Health Insurance for a Single Mom is the single most important investment mom can make.   Protecting the financial well being of the family and most important the Health on the Mom.  Mom is the Key to the success of the entire family.  It keep her healthy so that the Children will be healthy.  It protects the family financially my budgeting the health expense to get the most from the plan for he benefit.

If Mom should become sick for a short period of time the Health Insurance will get her back on track and in charge of her family.  The Health Insurance will also implement the ability for mom to get wellness screening to stay healthy.  Copay insurance is a “discount” for medical expenses at the doctor or hospital.  The wellness benefits are usually free or discounted and available every year.  These screening or exams are a way to annually moniter the health of Mom.  If Mom should become sick for a extended period of time without Health Insurance, the expense and the time away from work could be a devastating experience for a life time.  In some cases after a illness or accident Mom could become uninsurable due to conditions sustained from that occurrence.  For those health events as heart disease, diabetes, high blood pressure or cancer the long term cost of maintaining Moms health could be expensive.

Mom take time for yourself and call a Registered Insurance Agent and get some fact.  Ask questions specifically for your own health and what you think is important foryou.  Every case is specific foreach Mom.  The peace of mind is worth a ton fo cure.  A Helath Insurance Plan will give you confidence for finincal and family security and health…

Mom this is one of the most important steps you could make for yourself and your family, put your children first by keeping your self safe and sound…it is a wise thing to consider.

To Your Best Health!!  Zeke Vance

Just mention Health Care and you get more turmoil than a Tornado, but if you would like reliable information just keep reading.

Dont give any personal, health or insurance information to anyone you cannot certify as credible!!!   Don’t do it!!

Back to the Title, You and your children are not too young if you should become disabled or a spouse should die prematurely.  This happens all the time, accident, illnesses and the list goes on. If you are not 65 yet, your parents will soon be drawing their Medicare Benefits, and this is very important to you…as care givers to your parents, very important because the federal health plan is requiring more cost participation by the insured.When you turn 65, it going to be so very important at that time!  So the answere is NO! you are not too you for Medicare!

Improvement in Medicare that are taking place now. “The Affordable Care Act” is what to pay attention to. Basically it will ensure accountability throughout the health care system so that you, your family and doctor-not insurance companies – have greater control over your care.

Original Medicare or Medicare Advantage plans will see new benefits and cost savings, ad an increased focus on Quality.

Improvements in Medicare you will see soon.

If you enter the Part D donut hole this year, you will receive  a one-time  $250 rebate check.  These check will begin mailing in mid-June and will continue monthly throughout the year as beneficiaries enter the coverage gap.

Next year 2011, if you reach the coverage gap, you will receive a 50% discount when buying Part D covered brand-name prescription drugs.

Over the next ten years, you will receive additional savings until the coverage gap is closed in 2020.

Next year 2011 you can get free preventive care services like colorectal cancer screening and mammograms.  You can also get a free annual physical to develop and update your personal prevention plan based on current health needs.

Your access and choice of doctors will be preserved.

The new law increases the number of primary care doctors, nurses and physicians assistants to provide better access to care through expanded training and student loan forgiveness, and bonus payments.

Support for community health centers will increase, allowing them to serve some 20 million new patients.

Better chronic care.  Community health teams will provide patent-centered care so you wont have to see multiple doctors who don’t work together. If you are hospitalized, the new law also helps you return home successfully-and avoid going back by helping to coordinate your care.

Improves long term care:  New tools and resources in the Elder Justice Act, which was included in the new law, will help prevent elder abuse and neglect and improve nursing home quality.  The law creates a new voluntary insurance program called CLASS to help pay for long-term care and support at home.  Individuals on Medicaid will receive improved home and community based services through Medicaid will no longer be forced into poverty.

Helps early retirees offset the cost of employer-based retiree health plans, the new law creates a program to preserve those plans and help people  who retire before 65 get the affordable care they need. 

Helps people with pre-existing conditions with affordable  health insurance through a transitional high-risk pool program for people  without insurance due to pre-existing conditions.

Insurance companies will be prohibited from denying coverage due to a pre-existing  conditions for CHILDREN starting September and later for ADULTS in 2014.

Insurance companies will be not establish lifetime limits on your coverage and annual limits will not used beginning in September 2010.

Young people currently on their parents health plans can continue to be covered until age 26 beginning now.

orYOU are very important resource in the fight against fraud…Be very  careful and rely only on your trusted  sources for information about your Medicare benefits.  This also should apply to any age person with health insurance and conditions.  Trust a Licensed Insurance Agent with affiliation with National and Local professional associations.  It always a good idea to have the person prove their crediability.

Call whenever you have the smallest question – the ansewer could be the most important information you could receive. Remember everyone has differen circumstances and their needs and information are different.  Get credible information every time.

Look for the “Medicare and You Handbook” coming to you soon.  If you do not get it contact me and I will see that you get a copy.  Read this book and there will be questions and that is what we are here for to give you good Insurance Advise. 

Remember thhat the infomation contained here in is subject to change and as the “The Affordable Care Act” is unfolding there will be corrections and changes.  Use a credible Insurance Advisor as you transition into the new benefits.

Take care and be infomed.

To Your Best Health,  Zeke Vance  www.MyAzInsuranceAdvisor.com  AzInsuranceAdvisor@gmail.com

Employer-funded insurance plans are big-ticket items for businesses, but employees don’talways know the value of the plans.

Starting with the W-2 forms that employees will receive in 2012 and possibly as early as 2010, employers will be required o include information about how much they paid for an employee’s health insurance plan. The information included will reflect the most recent year contributions.

It is going to show how much employers are spending on health insurance. Employees will be shocked and suprised on how the dollars for health care are adding up.

Making this information available is a precursor to the 40%  “Excise Tax” that will be placed on insurers and employers whof offer health coverage that exceeds $10,200 individually and $27,000.(anual premium). for a family, a provision taking effect in 2018 or sooner.

Businesses and employers will need reliable sources of insurance policy and cost information to get the workd out.  That is where a professional Insurance Agent will complete the process.  Often the policy plans are different among employees of the sam company.  This is where accurate information will come from the agent.  We at AZ Insurance Agency, llc (www.MyAzInsuranceAdvisors.com) have this reporting system in place and easily available to the employer and employees.

The dollar value reporting is very important, we also report to the employer and employee the value of the “Benefits” and the availability of the use in the plans.  Often up to 40% of the insured and their families do not take advantage of the free benefits they are paying for.  Some of these valuable benefits are free.

Copay, is economically a discount to good health care, Deductables is a way to have the plan pay for the High cost of major occurances and keep the insured from spending their savings or going bankrupt. Premiums are considered the small cost for hundreds of thousand of dollars of exposure.  It is a fact: you will have a negative health occurance and often they will lead to an extended expense.  You will die… many of us will die prematurely after an extended negative health occurance.

Get good advise, which can be written and understood, also update your understanding of the policies you have.  Often age, and life occurances can change your expectations of your health plans and your future needs.  The New Models of health insurance policies are changing to meed the requirements of the National Health Insurance Reform.

Check out what is good for you.  Zeke Vance  480-772-2998   AzInsuranceAdvisosr@gmail.com