Your composite external age probably does not match your over aging arteries and vessels.  Your normal routine and diet will probably lead to Cardio Vascular complecations…The numbers are in and it will take more than medicine to change the direction most American are headed for clogged arteries. It is up to you!  With Health Insurance and wellness benefits as well as anual screening one can become aware of their overall vascular profile.  The implementation of treatments and medicine through Health Insurance the chances of you to reverse your vascualr age is possible. 

In your 20′s your arteries are generally healthy, but can start a onset.  Harm from tobacco, cholesterol and sedentary lifestyle can accumulate.  In your 30′s and 40′s, accumulation of fatty deposits called plaque typically begins to accelerate in men; women are generally protected in their major arteries until after menopause though disease may begin in smaller vessels.  Cholesterol, tobacco, high blood pressure, high blood sugar all cause persistent injury to the inner lining of the artery.  In your 50′s, the assault on the inner lining of the arteries continues while he vessel wall becomes stiffer and more fibrous. High blod pressure creates damage apart form plaque build upthat makes arteries less elastic o compliant,  increasing thework load on the heart. Injured tissue becomes scarred and calcified. The older one gets without proper intervention the faster the acceleration of vascular conditions become.Even if your weight is under controll, high blood pressure, tobacco, sedentary liging and stress are the culprits in this ongoing event. 

Don’t forget about your dental health, it most important and intergrated into your overall health.

 Use your brain, become knowledgeable about new findings and how they apply to your friends and family.  Use your Health Insurance Benefits, wellness programs and screening that are a part of your benefits.  In the long run you will be happier and healthier, your Health Maintenance will be less and you will live longer…

To Your Best Health,  Zeke Vance Insurance

Doctors have know for decades that healthy people tend to have healthy teeth and gums.  Now scientest have direct corralation that oral health has a direct correlation with diseases such as diabetes and heard disease.  Gum care for exampls will help with diabetes control their blood sugar. It might help some people with rheumatoid arhtritis control their symptoms. There  is a strong indication that proper gum care for pregnant women with gum problems have negative result to treatments as opposed to other pregnant women.

Consumers are becomeing more aware of their dental health and the benefits in their Dental Health Plans. Dental care has an immediate results in abating problems that exist upon examination.  In the long run all the studies find positive results for overall health and peace of mind in improving their overall health. 

Dental Health can reduce your short and long term health cost. The results of exams and treamtnets are proving that the estetics for a bright smile improves the overall well being of the individuals.  Individual are assured that they will retain their teeth and abate many diseases and long term negative effects on specific other conditions.

A most recent study shows that a form of bacteria  associated with gum diseases “Selenomonas noxia”, might cause obesity or obesity might cause gum disease causing Selenomonas noxia to flourish.

On the domestic side of good Dental Health, Flossing before going to bed as well as frequent teeth brushing greatly imporove the overall health and well bing.  Good Dental Health can reduce you health insurance premium, lessening the need for copay to the doctores and improving the deductalble for annual expenses.  It is truly a winning situation for health cost and the health of the insured.

To your good health,  ZekeVanceInsurance.com   480-772-2998

You have some of your employees in group coverage but other employees opted out!!! Now there is a way for the employees  to have low cost Health Insurance at work.  CDHP, or Consumer Drive Health Plan.  CDHP is a tax advantage for the employer on Payroll taxes FICA at 7.56% and the same savings for the employee for a total of 15.30% total.  On the amount of the Contribution from the employer there is Income Tax savings of 20 to 30% for the employee.  These employees can be insured outside of a group plan.  All employees can elect or volunteer to receive their Health Insurance this way.  The plans usually cost 20% less than group.

Controlling the choice of Copay and deductables for each individual policy is a grea way to control cost.  Each employee can choose a carrier that has the health plan that is tailored just for their needs.  Some employee spouses can elect to “come off” their spouses Group Plan and save a considerable amount in premium. There are many choices that can be made to controll Health Insuance Premiums.  Health Savings Accounts are tax advantaged on the savings, the growth, and the payments out of the accounts.  Another way is the benefit of the High Deductable Plans, if you do not use the deductable it is reduced the next year 20% and every year after until it reaches the base level of $1250. for a individual

Review: 

Copay: make choices that benefit you.

Policy Deductable: Make choices that fit your expectations

Individual Policies: avoid cobra, guaranteed renewal, You own your policy, Portable – it goes with you even to another state

Health Savings Account:  A great way to save triple tax and have a savings forever for health care.

New provisions is to continue to insure adult children up to age 26.   Another advantage in individual health plans to insure pre-existing conditions for children of the parents policy.

The Savings are many, the choices are yours and improvements are continually being made.

To your good health,  WWW.ZekeVanceInsurance.com

Starting tomorrow and throughout this week, Medicare beneficiaries across the country should begin receiving copies of a brochure “Medicare and the New Health Reform Law – What it Means for You” in their mailboxes.  The mailing from CMS outlines key provisions of the Affordable Care Act for people with Medicare as well as members of their families.  The mailing is being sent in both English and Spanish. 
 
Because Medicare is a trusted resource for beneficiaries and their family members, the mailing encourages them to log on to www.medicare.gov or call 1-800-MEDICARE to get their questions about Medicare or the Affordable Care Act answered and reminds them to be on the alert for possible scams.
 
The first benefit that many people with Medicare will receive as a result of the passage of the new law is a one-time check for $250, if they enter the Part D donut hole and are not eligible for Medicare Extra Help.  Beginning next year, the Affordable Care Act ensures that Medicare beneficiaries will get free preventive care services like colorectal cancer screening and mammograms, in addition to a free annual wellness visit.   The law also includes new tools to help fight fraud by helping Medicare crack down on criminals who are seeking to scam seniors and steal taxpayer dollars. 
 
The brochures are attached in English & Spanish.

A. We want to drop our group health insurance plan: We allow you to offer full health benefits without a gorup health insurance policy. Employer chooses a monthly allowance to contribute to each employee’s healthcare.  Employees purchase individual or family health insurance and your reimburse each employees tax free.   Benefits include typical net saving of 30% to 50% with no reductions in benefits and integration with your payroll.

B. We want to keep our group plan but pay less. A group HRA allows you to save 50% on your current group policy, by raising the annual deductable.  Then, the employer chooses a monthly or annual allowance to contribute to the expenses each employee incurs because of their higher deductable.  Benefits include a typical net savings of 20% – 40% with no reduction in benefits and integration with your payroll system.

C. We cannot afford to offer health benefits:  Premium Only Plans (POP) allows employees to re-direct any amount of their pre-tax salary for health insurance, and receive this amount Tax-Free on their payroll to pay for an individual or family health policy.  Employees typically save 20 – 40% on their premium. Features include employer savings of 7.65% in FICA  savings with increased employee benefits and integration with your payroll system.

Consumer Driven Health Plans (CDHP) is the model of Health Care Reform policies are shaping up.  Take advantage of the tax savings and increased benefits that are talored just for each individual needs and expectations.

To your good health, Zeke Vance Insurance

Some positive things to know about the National Health Insursance Reform Act:

1. 32 Million more American will be able to get Health Insuance

2. Makes preexisting condtions a thing of the past.  Starting in 2010 children are covered.

3. Guarantees basic benefits, makes preventative services free for most.

4. Temporary programs to help those with chronic conditions

5. Provides new benefits for people who are already covered with insurance

6. Leaves medical conditions to the insured and their doctor

7. Requires most people to have  coverage by 2014, offers subsidies to low income and more people eligable for Medicaid

8. Create state run exchanges to help self-employeed and unemployed

9. Offers immediate tax credits to small businesses buy insurance for employees.

10. Keeps Medicare financilly sound  and reduces U.S. deficit by about $143 billion

The choice is up to you to seek out what is best for you and your family.  Contact a knowledgeable Health Insurance Agent for the many options available.  The added benefits for Dental, Vision, and wellness programs is easy to add on to your health plans. The plans with copays, deductables, Screenings offer great flexibility.

To your good health,  Zeke Vance Insurance

The National Health Care Insurance Reform is underway.  Many of the Carriers are moving forward in providing benefits, services, and wellness plans.  It is good time to have a professional insurance agent review your current plan and point out the benefits that you have and thoses that you do not have.

Children who are on their parents pland; 19 and under; will no longer exclude coverage with denial or medical riders.  The coverage on existing plans that meet this criteria will automaticall be adjusted.  Ther may be a premium adjustment for some conditions, but no exclusions. 

Copay, deductables, wellness and screenings continue to make your Healt Insurance Plan affordable and discounts wehn you get to the doctor and hospital.  Use your plan wisely, ask a insurance professional to explain your policy.

Many adults are active self health insured and they are also self health insuring their families.  Sound like a good idea??? It seems when you survey their plan thre is no plan, no format, no active participaion.  To properly self health insure, there needs to be screening by medical personnell, a active participation in wellness programs which include exercise, diet and screenings.  Medical health screening will give each one a direcion to go in their self insurance.  There needs to be written charts of weight, diet, exercise and the list goes on.  To begin a proper self health inured program, you must have a professional plan.  The most important  aspec is following the plan for all family members. A progress report over a year and over the years for the rest of your life is the ultimate test for assured performance.

Funding the trips to the doctor and hospital is a important element to the self health insurance.  There is two things that are certain:  You will have a medical event, either by accident or illness, that is a fact! Many individual will incure on going medical conditions, ie: Blood pressure, arthritis, diabeetes, and the list goes on.  Other individual will experience disability from being able to work from illness or accident. Many stroke patients for example find themselves in this situation. The list of illness or disease for disability are in the hundreds.  Sudden death at any age usually cures all the problems of financial funding and terminates the management of self helath plans.

The good news:  The new and improved health plans that emulate what the National Health Insurance Initative is available in large part now. Consumer Driven Health Plans,(CDHP), is the name of these plans.  Health plans that are tailored to your specific needs.  Health Savings Plans (HSA). HSA’s offer tax free contributions, tax free withdrawls, and tax free growth (interest). What more could you ask for.  HSA’s along with CDHP can improve your health, prolong your life, and give quality to your life style.

Co-pay is a discount on medical services, Deductables are a stop gap on how much money you will pay for a medical event. Wellness and screening features in your CDHP is a way to divert large medical problems.

The best way to approach life now days is to seek good advise and let the professionals guide you in the direction that is best for your individual health.  Keep the politics out and don’t listen to guru’s who have magic solution for your ailments. Trust and consult the professionals….To your Health ZekeVanceInsuance.com

Ok here are the results of a survey that AARP conducted:  Top Five Reasons seniors avoid preventative Care. 1. Cost too much 28% 2. They can’t afford co-pays or deductables 22% 3.Not sure their insurance covers screenings 21%  4. Health screenings are not that importnat  21% 5. They do not have health insurance 30%.  The end results are that there is a signifanct lack of knowledge! These percentages are not only for seniors, the percentages are higher in the 64 to 40 age group. Same lack of knowledge. 

The Health Plans that I partner with all have preventative and wellness features.  A co-pay is really a discount to a doctors office visit.  $35. your pay for a doctors office visit and it may cost $75. or more.  Visits to the doctors office for screening and annual check up is also a preventative and maintenance, it keep you healthy…that way you spend more quality time and less money on medicine and doctors and hospitals.  Deductables are there for the small things.  If you dont take care of the every year medical check up, you will pay the deductable and the quality of your life wll go down…

Where do you get good information to know what your health plan covers? Ask the professionals.  Call and ask AZ Insurance Advisors (480-772-2998) this is what we do.  Dont leave health care benefits and money on the table every year. The use of a benefit is equal to $ dollars well spent often free of charge. Benefits – Co-pay- wellness screening- in network discounts- quality of life are all in the same bucket. It is just how you use them.

Medicare and Medicare gap or supplemental coverage all have wellness and screening free benefits every year, use of these benefits will equal to you saving your money and time at the doctors office.

The new plans are being developed now for the National Health Plans that are being developed and provided to the public now.  Let us show you how everything is working together…To your good health