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HEALTH INSURANCE DEDUCTIBLES HAVE INCREASED 42%

Posted February 10th, 2014, in Cancer Insurance, Dental Insurance, Diabetes, Health Insurance, Medicare, News, Obesity Insurance, Preexisting Conditions by Frank Mossucco

With the Affordable Care Act in full swing; consumers are now realizing that most of the Qualified Health Plans (QHP) found on the public exchanges are costly and have high deductibles.  A recent article in the Wall Street Journal noted that Deductibles have increased 42% since 2013.  Consumers are faced with the decision to increase their deductibles to keep the monthly health insurance premiums manageable.  SASid has developed two supplement insurance productswhich brokers can use to assist consumers which can pair with their major medical insurance plans to help manage high deductibles and out of pocket costs.

Deductible Supplement Insurance:  Consumers can save money by increasing their deductibles and supplementing their major medical insurance

  • Supplemental cash benefits for accidents and sicknesses
  • Benefits are paid regardless of other insurance
  • Simple to use and smart to have

QHP Supplement Insurance:  Helps fill the gaps in the Qualified Health Plans found on public and private exchanges

  • First dollar coverage with fixed indemnity benefits
  • Supplemental benefits for accident and sicknesses
  • Benefits for physician office visits, hospital stays, surgeries, emergency visits, x-rays and more.

Consumers can save money and/or increase benefits by getting creative with their healthcare…

more….

American Diabetes Month

Posted November 2nd, 2013, in Diabetes, Eating Healthy, News, Obesity Insurance by Frank Mossucco

November being  Diabetes month so please check out the great work that American Diabetes Association does.

American Diabetes Month® 2013 Overview

One of the American Diabetes Association’s primary objectives is to raise awareness and understanding of
diabetes, its consequences, management and prevention of type 2 diabetes. American Diabetes Month is an
important element in this effort, with programs designed to focus the nation’s attention on the issues
surrounding diabetes and the people impacted by the disease. In 2012, the Association launched a socially
focused initiative for American Diabetes Month called A Day in the Life of Diabetes, to demonstrate the impact
diabetes has on our families and communities across the country.

In 2013, the American Diabetes Association will continue to grow the campaign with a host of online and
offline program elements. The movement to Stop Diabetes® is not over and we will continue to call for
individuals to take a public stand via the Association’s social media channels and other online properties, to
support us in this movement. Using imagery, the power of social engagement and our celebrity outreach
channels, we will continue to shine a light on the issue of diabetes and those who live with it each and every
day, as well as the Association and corporations focused on stopping this insidious disease.

Read More

Obama: Health Care Reform Not About Website

Posted October 28th, 2013, in Cancer Insurance, Dental Insurance, Diabetes, Eating Healthy, Health Insurance, Medicare, News, Obesity Insurance, Preexisting Conditions, Uncategorized by Frank Mossucco

VOA News  original article found here: 

October 26, 2013

U.S. President Barack Obama says the glitches of the Healthcare.gov website are “frustrating,” but people are working around the clock to to fix the problems.

The president said in his weekly address Saturday the fight for health care reform is not about a website, but was instead about establishing the “principle that in this country, the security of health care is not a privilege for a fortunate few, but a right for everyone.”

Obama said the site has been visited more than 20 million times and nearly 700,000 people have applied for coverage.

The president accused Republicans in Congress of spending the last few years obsessed with denying people access to health insurance.

Watch President Obama’s weekly address:

In the Republican address, Chairman of the House Energy and Commerce Committee Fred Upton said his committee will hear directly from Health and Human Services Secretary Kathleen Sebelius to find out why the so-called Obamacare website does not work, despite the investment of hundreds of millions of taxpayers dollars.

The expert the White House has hired to fix the massive problems with the website says he expects it to be running smoothly by the end of November.

Thousands of people trying to buy government mandated health insurance using the website have run into numerous problems.  Some users complain of extremely long wait times while others have had their passwords rejected.  Other users said they were given conflicting prices for the same health plan.

Executives of the companies who built the website told Congress Wednesday the system was not fully tested and that last-minute changes to the website contributed to the problems.

Republicans opposed to the Afrodable Care Act – commonly known as Obamacare – said the computer problems illustrated their argument the health care law is not ready.

Under the Affordable Care Act, people without private health insurance can sign up for government subsidized plans through the website.  Those who fail to carry any health insurance would pay a penalty.

 

7 tricks for a healthier Halloween

Posted October 28th, 2013, in Diabetes, Eating Healthy by Frank Mossucco

Here is a great article By ELLE PENNER — MyFitnessPal.com

Halloween is right around the corner and, let’s be honest, it can be the slippery slope that kicks off bad habits for the rest of the holiday season. Rather than getting off track now, here are seven easy tricks that can help you satisfy your inner ghoul while making sure your costume still fits.

1. Keep a tally of miniature treats. It’s easy to have three or four “snack-size” treats throughout the course of the day. Do the math though and the fat and calories quickly adds up to one full-size candy bar.

2. Hold off on breaking open those bags of candy until just before trick-or-treaters arrive. Take it a step further and wait until Halloween day to purchase your treats.

3. Be a role model by keeping your own candy consumption in moderation. Enjoy one or two small pieces at a time, and allow your children to do the same.

4. Prepare a few healthy finger foods for you and the kids to nosh on before heading out for Halloween festivities. Doing so will likely reduce the desire to fill up on candy instead.

5. Consider a candy exchange. Allow your children to enjoy their Halloween treats for a day or two and then propose making a trade; their pillowcase full of candy for a new toy of their choice.

6. Give out non-traditional treats. Things like sidewalk chalk, bouncy balls, jump ropes, glow sticks and hacky sacks are inexpensive and promote physical activity – which is probably more fun for kids than another handful of miniature candy bars.

7. Remember that Halloween, like other holidays, is just one day of the year. If you and your family make healthy eating a habit, a few days of overindulgence is perfectly OK, and should be enjoyed!

Elle Penner is a registered dietitian at MyFitnessPal, the leading free resource helping people improve their health powered by more than 40 million users. The app also provides real-time nutrition and fitness tracking, insights and community support. MyFitnessPal’s free and easy to use technology works seamlessly across Android, iOS, Blackberry, Kindle and Windows apps, in addition to the web.

Read more here:

Fat and Thin Find Common Ground

Posted October 15th, 2013, in Diabetes, Eating Healthy, Health Insurance, Obesity Insurance by Frank Mossucco

By ABBY ELLIN

Fat and ThinStuart Bradford

When binge eating disorder gained legitimacy as a full-fledged mental condition in the latest edition of the Diagnostic and Statistical Manual of Mental Disorders in May, many people in the eating disorders and obesity communities wondered: Will this inspire us to finally get along?

It was a good question, since historically, the two groups have been at odds.

Unlike people with anorexia or bulimia, who tend to be excessively thin, many binge eaters are overweight or obese. And much of the focus of anti-obesity efforts — listing calories at restaurants, banning cupcakes in schools, sending students home with body mass index “report cards” — are decried by eating disorder activists, who say such measures can encourage anorexia or bulimia.

Anti-obesity activists, in turn, worry that the eating disorder community minimizes the medical risks of obesity, which the American Medical Association classified as a disease in June, and plays down the discrimination many obese people face.

“They come out of different traditions,” said Kelly Brownell, dean of the Sanford School of Public Policy at Duke University. “Obesity was mainly dealt with in medical professions, and eating disorders were dealt with more in psychology professions.”

But binge eating disorder, symptoms of which include consuming enormous amounts of food in a two-hour window without purging at least once a week for three months, could bridge the gap between the two worlds, while also reducing the stereotype that only thin people suffer from eating disorders. READ MORE

Do You Have Type 2 Diabetes?

Posted March 21st, 2013, in Diabetes, Health Insurance, Preexisting Conditions by Frank Mossucco

According to the 2011 National Diabetes Fact Sheet there are a total of 25.8 million people in the United States who suffer with diabetes. Of that number, there are a total of 7 million people who are undiagnosed.Type 2 Diabetes

With statistics like that you may be asking yourself, “Could I have type 2 diabetes?” Diabetes is a deadly disease and it can easily sneak up on you. The quicker the disease is diagnosed, the fewer complications you will have. However, if you aren’t aware of the symptoms, it is impossible to tell if you have diabetes.

Know the Symptoms Before It’s Too Late

Understanding the symptoms of Type 2 diabetes brings you one step closer to feeling safe and ­free of the disease. The most common symptom of diabetes is frequently urination. The other most common symptom is excessive thirst.  Along with these symptoms are the feeling of extreme hunger and a drop in weight. This is misleading as most people consider diabetes to induce weight gain.

If you have cuts and bruises that don’t heal as quickly as they used to, that may also be  an indication of diabetes. Additionally, if you are experiencing blurred vision there is a possible chance it may be caused by diabetes. High blood sugar levels will effect vision, but luckily it a temporary condition. Once your blood sugar levels are restored your vision will be restored.

Continual infections of the gums, bladder or on your skin it may be caused by diabetes as well as numbness or tingling in the extremities. Finally, be on the lookout for  excessive fatigue and abnormal levels of irritability.

If you feel like you are experiencing any of the symptoms above, it is important to schedule an appointment with your doctor and get tested. Even if you don’t have any of the symptoms it is critical to have your blood sugar tested once a year. Anyone can get diabetes regardless of age.

Early detection of diabetes can prevent a long list of serious health issues for years to come such as amputations, kidney failure, blindness, heart disease  and stroke. Take the necessary precautions today – your life may depend on it.

Federal Government Shuts Down The PCIP Program

Posted February 25th, 2013, in Cancer Insurance, Dental Insurance, Diabetes, Eating Healthy, Health Insurance, Medicare, News, Obesity Insurance, Preexisting Conditions by Frank Mossucco

 

On February 15 it was announced that the government will officially close the Pre-Existing Condition Insurance Program (PCIP) due to the overwhelming cost and high premiums which made it difficult for people with pre-existing health conditions to afford coverage.

While the program was initially allotted $5 billion, the program has already totaled $2 billion in claims and $180 million in administrative costs. While this  decision comes at a time when there is heated debate regarding health insurance and the future costs to all Americans, the government ultimately came to the conclusion that the program could not continue at this pace.

The good news is, the government is already making strides toward even better, more efficient programs that could very well change the landscape of healthcare coverage for folks with pre-existing conditions. One of these programs is the Patient Protection and Affordable Care Act of 2010 (PPACPA) which goes into effect Jan. 1, 2014. Among the advantages of this program will be lower premiums, which will allow more patients to participate, and a more efficient administrative process sure to make better use of allocated funds.

It is too early to tell where this will all lead. The health insurance industry is rapidly changing as the government shuts down programs and gets ready for new reform. As time goes on we will witness the change and see first-hand how those with pre-existing conditions are affected.

The Most Anxiety Prone?

Posted February 11th, 2013, in Diabetes, Eating Healthy, Health Insurance, News, Obesity Insurance, Preexisting Conditions by Frank Mossucco

Each year, the American Psychological Association (APA) conducts a nationwide Stress in America survey, which provides an indication about who is most vulnerable and what areas of the American psyche that we need to clamp down our anxieties. This year’s survey provided quite a bit for those of us who provide and receive health care.

According to the APA survey, men and women tend to experience and manage stress quite differently. Neither gender pretends to be an expert at managing their stress, but women certainly believe themselves to be in worse shape. On a scale of 1 to 10, 23% of women say their average level of stress is at either an 8, 9, or 10. By contrast, only 16% of men declare such a high level of stress.

What both genders have in common is that they often seek out the same remedies for their anxiety: exercise and music. On the other hand, there is a sharp divergence regarding other remedies, such as reading (50% of women, 29% of men) or shopping (18% of women, 6% of men).

The causes of that stress are almost identical, based on the survey:

“Top sources of stress are the same for men and women, including money (66 percent and 72 percent), work (64 percent and 66 percent) and the economy (60 percent and 62 percent).”

First Preferred wants to ensure that you are managing your stress with the help of a qualified physician. Our individual and family plans are a step ahead of the competition, contact us today and speak with a representative to learn more. We offer plans for Pre-Existing Conditions, Diabetes, Obesity, and more.

The Other Insurance Companies

Posted February 8th, 2013, in Cancer Insurance, Dental Insurance, Diabetes, Eating Healthy, Health Insurance, News, Obesity Insurance, Preexisting Conditions by Frank Mossucco

Earlier this year, Forbes published an article claiming that insurance companies, generally speaking, were right in their bottom-line exclusion of those with pre-existing conditions. Rather than portraying insurance companies as part of the problem, which many in Washington tend to claim, author Amesh Adalja says these companies should be commended as heroic for their approach to sustainable business. Maybe so, but health insurance isn’t quite the same as paying for a warranty on your new television. You can lose a television and replace it quickly. Human life is quite the opposite.

“As part of a way to mitigate against excessive risk,” says Adalja, “insurance companies may elect to not insure an individual whom they judge possesses a high likelihood of incurring costs because of a pre-existing condition. When insurance companies are barred — by law — from considering pre-existing conditions in their evaluation of potential customers, what is being prohibited is the exercise of judgment.”

First Preferred sees this quite a bit differently. If patients are the main contributors to our business, and rightly so, then the health of our patients is our first priority. That includes customers and patients with whom we haven’t yet established a relationship. Providing coverage for pre-existing conditions has to be the single most valuable way to sustain a long and proud health insurance company. We expect to be here, on your behalf, for many more years.

Our individual and family plans are a step ahead of the competition, contact us today and speak with a representative to learn more. We offer plans for Pre-Existing Conditions, Diabetes, Obesity, and more.

Amy Ryan, Shot, and Living with Diabetes

Posted February 7th, 2013, in Diabetes, Eating Healthy, Health Insurance, Obesity Insurance, Preexisting Conditions by Frank Mossucco

Last month, author Amy Ryan published a new book on the challenging, often overlooked hurdles that come from living with Type 1 Diabetes. The book, called Shot: Staying Alive with Diabetes, presents a well documented, personal experience from Ryan herself.

Shot is the intimate portrait of a young woman’s sudden transition to a life of insulin dependence. Treatment for a routine infection one Monday morning yielded, with stunning speed, to a glucose monitor, test strips, and a life-altering diagnosis of Type I Diabetes. In Shot, Amy Ryan shows what it really takes to live with and manage an incurable disease. She charts the essential duties that keep her stable while revealing the daily concerns, the simple rewards and victories, the fears of highs and lows, and the psychological strain of depending on herself, a drug, and a network of health care providers to stay alive with diabetes. People who manage life-threatening diseases will recognize their own struggles in Amy’s compelling story. The millions who care for and support family, friends, or patients with diabetes will have their eyes opened to the human side of living with a chronic condition.”

The story of Amy Ryan is incredibly real, but hers is not the only tale of survival and victory in the face of diabetic hardships. Many of you, our readers, have gone through unimaginable challenges as you fight Type I Diabetes. Others may feel that there is still a long road to climb before confidence can be restored. We hope, in it all, that you have the assurance of a good doctor and a medical expert who cares. Our job at First Preferred is to make an affordable way for you to find that caring expert.

Our individual and family plans are a step ahead of the competition, contact us today and speak with a representative to learn more. We offer plans for Pre-Existing Conditions, Diabetes, Obesity, and more.

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