Healthcare Advisor

Health Care Literacy: What You Need to Know

Health Care Literacy What You Need to Know

The American health care system is one of the most complex and confusing health care systems in the world. Excellent medical care is available here, but to get the most out of your healthcare resources, you need to understand the terms and language used by not only your doctors and nurses, but also your insurance company, your health plan and other health providers. Knowing and understanding these terms will help you make the most of your insurance coverage and help you get the right care. The difference between being health... Read More

How to Manage Job Stress for a Healthier Life

How to Manage Job Stress for a Healthier Life

Job stress is a fact of life. Whether you love your job or aren’t so happy with it, all jobs create some degree of stress, at least periodically. While it’s rarely possible to eliminate job stress completely, there are many things you can do to help reduce and manage the amount of stress you deal with every day on the job. Unmanaged job stress is a common health complaint, and work is often ranked as a higher stressor than financial troubles and family problems, according to the National Institute of... Read More

5 Bonus Benefits of Workplace Wellness Programs

5 Bonus Benefits of a Workplace Wellness Program

Workplace wellness programs have become increasingly popular in recent years. It is well known that workplace wellness programs can help lower workers’ compensation costs. But there are also other benefits of these programs that can benefit both employees and employers. Great workplace wellness programs include more than just safety initiatives. Not only can these programs help reduce work-related injuries and possibly lower work comp costs, but a well-executed program can also help increase employee morale, lead to better health, and improve quality of life—both at work and away—for all participants.... Read More

How to Protect Your Business Against a Flu Epidemic

How to Protect Your Business Against a Flu Epidemic

2018 marks the 100th anniversary of the great Spanish Flu pandemic of 1918, which is believed to have caused the deaths of more than 50 million people. A pandemic is a global outbreak of a disease, such as influenza. According to the World Health Organization (WHO), past influenza pandemics have led to high levels of illness, death, social disruption and economic loss. The 2009 H1N1 influenza pandemic, which affected 213 different countries and has led to over 18,000 confirmed deaths, is just a small example of the potential impact of... Read More

Protect Your Home and Health From Radon

protect your home and health from radon

Though you cannot see, smell or taste radon, it can still be present in your home. According to the U.S. Environmental Protection Agency (EPA), when you breathe radon-contaminated air, you increase your risk of developing lung cancer. In fact, the U.S. Surgeon General warns that radon is the second-leading cause of lung cancer in this country next to smoking. This problem is not isolated to one geographic area or to a certain type of house. It is estimated that nearly one out of every 15 homes in the United States... Read More

What You Need to Know About the ABCD’s of Medicare Benefits

What You Need to Know About the ABCD's of Medicare

Medicare is the government medical program for seniors. Medicare was instituted in 1965 to ensure that older Americans would have access to the health they needed in their retirement years. You will become eligible for Medicare at 65 and may enroll for Medicare Benefits three months prior to the month of your 65th birthday, during the month of your 65th birthday, and three months after your 65th birthday. Medicare has four parts: A, B, C, D Part A is given to you by the government and covers 80% of your... Read More

HSA & FSA Contributions Will Increase in 2018

HSA & FSA Contributions Will Increase in 2018

Many employee benefits are subject to annual dollar limits that are periodically increased for inflation. The Internal Revenue Service (IRS) recently announced cost-of-living adjustments to the annual dollar limits for various welfare and retirement plan limits for 2018. Although some of the limits will remain the same, many of the limits will increase for 2018. The annual limits for the following commonly offered employee benefits will increase for 2018: High deductible health plans (HDHPs) and health savings accounts (HSAs); Health flexible spending accounts (FSAs); Transportation fringe benefit plans; and 401(k)... Read More

The “Tornado” of Single-Payer Healthcare

The “Tornado” of Single-Payer Healthcare

As the healthcare debate continues both in congress and in states throughout the country, many are touting a single-payer healthcare system as the answer to our country’s healthcare and health insurance challenges. A single-payer system is, in essence, government-run healthcare. Instead of choosing coverage from the insurer of your (or your employer’s) choice, you would pay for your health coverage to the government in the form of taxes. This is not a particularly new idea. It has been the norm in many parts of the world. And it was even... Read More

Final Regulations To Stabilize Individual Health Insurance Market Issued

Final Regulations To Stabilize Individual Health Market Issued

The Department of Health and Human Services (HHS) issued final regulations to help stabilize the individual and small group markets on April 13, 2017, These final regulations take effect June 19, 2017, and do not significantly differ from the proposed regulations issued February 16, 2017. They will not directly impact large group health plans. They are intended to help stabilize the Health Insurance marketplace, and provide more flexibility for states and insurers, as well as to give individual health plan consumers more coverage options. These rules will include the following policy changes:... Read More

Change in Leadership May Signal Changes for Obamacare

Change in Leadership May Signal Changes for Obamacare

With new leadership on the horizon for our country, one thing we can be certain of is change. One of the most talked about and contested changes has been the possibility of changes for Obamacare, more formally known as the Affordable Care Act (ACA). Donald Trump has announced many times that he plans to repeal Obamacare and “replace it with something better.” Just last week Senate Republicans introduced a budget resolution that would allow it to be repealed with a simple Senate majority. There is increasing pressure to vote quickly... Read More