Understanding Hospice

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Hospice is medical care for those with a terminal illness to live as well as possible for as long as possible, increasing the quality of life.  This care is provided by a team of professionals who address the physical, psychosocial and spiritual distress of both the dying person and their family.  Hospice came to the U.S. in the mid 1970’s and at that time was often used when cancer was the diagnosis.  Today, late stage heart, kidney, or lung disease and many other diagnosed illnesses utilize Hospice care.  There are even facilities for infants, children and adolescents available.

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So what is Telehealth?

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As the situation with COVID-19 or the Coronavirus progresses, I want to reach out to ensure you are presented with helpful information during this time of confusion.  One of the offerings for care that the federal and state governments as well as health insurance carriers and providers have promoted is Telehealth. 

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Series on Supplemental Benefits: What can be Considered Supplemental Benefits?

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As the new year started, I watched the AFLAC duck attempt yoga on a tv commercial.  AFLAC has done a great job at marketing with the duck.  But I wondered, do people REALLY know how supplemental benefits work.  The next couple months I will do a series of articles on the different carriers, defining the types of benefits available on a voluntary basis, how the plans are implemented and how benefits are paid. This first month, will focus on supplemental benefit basics. 

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Supplemental Benefit Series: Short Term Disability & Accident Policies

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Often, I receive inquiries from individuals wanting to purchase short-term disability on an individual basis. Typically, carriers will not offer short-term disability individually as it is not cost effective.  Standard short-term disability benefits start either first day for injury or illness or often first-day injury and seventh-day illness.  Can you guess who is traditionally most interested in this benefit?  Young females. 

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SmartScripts: Prescriptions Packaged for Convenience and Safety

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We can order anything online and have it delivered right to our door. Prescriptions are no different. We are all used to ‘mail order’ getting a 90 day supply, often for lower cost than the pharmacy. These prescriptions typically arrive in large bottles of 90 tablets or capsules. Then the issue is putting them in the ‘weekly’ containers or the struggle to take them timely.

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Covering Students at College

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Graduations are in full swing and as parents we are all looking toward these kids’ futures.  Whether they are heading to Trade schools, colleges, maybe straight to the work force or a discussion of a year off is in play or whatever the ‘next step’ may entail, we—the parents—should also think about these young adults’ health insurance. Read More