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Do I Need to Sign Up for Medicare?

For most people, the first chance to sign up occurs in the year they turn 65. The first sign-up period lasts seven months before and after a person’s birth month.  If you were born in May, for example, the period would run from February to August.

If you don’t sign up during your first eligible period, you can enroll later during Medicare Open Enrollment, which runs from January 1 to March 31. Late enrollment could mean you pay a higher premium, so be sure you’ve considered your options carefully.

The situation changes if you want Medicare Supplement or Medicare Part D insurance, or choose a Medicare Advantage Plan. You will need to sign up for those through a private insurer.

Contact Save-On Health Insurance Services, in Los Angeles, California, and help you with all of your retirement insurance needs. To learn more or schedule an appointment, contact us.

5 Simple Energy-Boosting Tips

When you feel drained, you can’t function at work and you can barely muster up the strength to do things you enjoy. If you find yourself crashing before the day gets warmed up, revive your energy with these energy-boosting tips.

  1. Drink up. Being tired is often a sign of dehydration. If you’re feeling sluggish during the day, try drinking a large glass of water. 
  2. Go nuts. Hazelnuts and cashews contain magnesium and protein. Snacking on a handful of these nuts can give you a quick pick-me-up.
  3. Take a stroll. Physical activity has been shown to reduce fatigue and increase energy. Instead of using your lunch break to run errands, strap on your tennis shoes and walk around the block.
  4. Give your coffee a boost. Adding a little low-fat milk to your morning brew will give it a protein-jolt and give you the stamina you need to get things done.
  5. Stop and mediate. Meditation is not only a good way to relax, this practice can make you more alert and energetic.

Drinking water, walk, meditating, eating nuts and adding milk to your coffee can help fight energy-drains and give you the boost you need to feel refreshed during the day.

If you are in Los Angeles, California and need information on the affordable care act or are simply looking for quality health insurance coverage, contact Save-On Health Insurance Services today!

What You Should Know About Medigap Plans

Have you considered Medigap coverage? When you choose a plan keep these points in mind:

1. Medigap is not the same thing as Medicare Advantage. An Advantage plan provides Medicare benefits, usually through a network of preferred providers. Medigap insurance helps pay medical costs that Medicare does not cover, including copayments and deductibles. Medigap also offers services Medicare does not cover, including care when you travel outside the United Sttes.

2. You need Medicare Part A & B coverage to apply for Medigap insurance.

3. Medicare is a government program, but Medigap plans are offered by private insurers.

4. Medigap plans charge a monthly premium over and above your Medicare Part B premium.

5. Medigap plans rarely cover prescriptions. You need Medicare Part D for medication coverage.

6. Vision care, hearing aids, dental work and long-term care are usually not covered by Medigap plans.

7. You can’t have a Medicare Savings Account Plan and a Medigap policy.

8. Your carrier cannot cancel your Medigap plan as long as you pay your premiums.

To learn more about health and Medicare supplement insurance options in the Los Angeles, California area, contact Save-On Health Insurance Services.

Understanding Your Health Insurance Coverage

Knowing what your health insurance will cover is important to understanding what will be paid out of pocket during any hospital visits. 

There are different coverage options you can choose from, the most common being:

  • PPO: This coverage will give you access to services for a reduced cost. This coverage will cover all or most of the cost for a treatment. 
  • HMO: This a group plan in which you pay a flat fee. Then you will have access to services from hospitals that participate with this coverage. Typically, you will pay co-payments, but you will not have to pay deductibles. 
  • Fee-For-Service: This is the most traditional type of coverage in which you will be able to visit any doctor of your choice. During your visit, you will pay for the services then make a claim with your health insurance for reimbursement. 

With Save-On Health Insurance Services, we will help you find a health insurance option that is affordable, but will still provide high quality services. Every individual qualifies for different conditions on their health insurance coverage. It is important to use our services to find the perfect match for your own individual needs. 

 For more information about your health insurance coverage in California please contact Save-On Health Insurance Services, located in Los Angeles.

The Benefits of Umbrella Coverage

Your vehicle and homeowners insurance policies provide you with liability coverage for most situations within certain limits. Umbrella insurance offers additional liability coverage beyond what these policies have to offer. Umbrella insurance also protects you from such claims as libel, false arrest and slander which many other policies don’t provide. Here’s a brief synopsis of what you can expect from umbrella insurance coverage.

Liability for bodily injury – pays medical expenses for individuals injured in an accident you cause. This includes injuries sustained from auto accidents, accidents in your home, animal bites, etc.

Liability for property damage – pays for damages to other people’s property due to accidents you are responsible for. This includes damage to someone else’s vehicle, personal belongings, school property, building, etc.

If you own a rental property, umbrella insurance will protect you against liability claims for injuries people sustain on your property. With umbrella insurance, you are also protected from lawsuits due to slander, false arrest, libel, malicious prosecution or imprisonment.

To learn more about umbrella coverage and costs in California contact Save-On Health Insurance Services located in Los Angeles, CA.

Long Term Care Insurance Takes Health Insurance to the Next Level

The importance of health insurance has been getting a lot of attention across the country, and indeed it is important to have good insurance that will help you maintain your health. But even with lots of preventative care it is still possible to experience a long term health emergency or injury that could leave you with expenses that go beyond what your health insurance policy would pay for including care that takes place in your home, a nursing home, or other facility.

It’s tempting to assume that you’ll always be okay if you take care of yourself, but more than 70% find themselves disabled and needing help by the time they turn 80. There’s no way to guarantee you’ll beat those kind of odds. Many factors go into the cost of long term care insurance including the age and state of health or the person getting insurance as well as how much coverage is purchased and how long it lasts. The younger and healthier you are, the better your rates are going to be.

At Save-on Health Insurance Services in Los Angeles, California we’ve spent more than 20 years using our resources to help our clients across the state find insurance that will meet their needs, whether that’s health, life, home, commercial, umbrella or long term care insurance.  To find the right coverage for your specific needs contact Save-on Health Insurance Services today.

Feed Your Mind and Body

If you are looking for healthy meals that benefit your mind and body, here are some choices to try.

  1. Salmon w/spinach & walnut pesto on whole-grain bread or bun. The salmon adds omega-3 fatty acids, spinach adds magnesium (which helps lower blood pressure), and walnuts add melatonin to help you sleep better.
  2. Detox Salad. This salad includes watercress and artichokes to limit bloating and the artichokes also add inulin, a soluble fiber. The celery replenishes your body with water with its potassium and sodium. Also in the salad is red-onion and feta cheese. Toss all in a cucumber vinaigrette.
  3. Boost your Libido with a Stir-Fry. This includes asparagus for vitamin E, beef adds zinc for a testosterone increase, brown rice also enhances the libido, and cashews are a natural aphrodisiac.  Other ingredients are bell peppers, ginger, soy-sauce, and lime juice.
  4. Slim Down with a Blackberry and Banana Smoothie.  Blend blackberries which fill you up and bananas to add fiber with coconut milk that helps shed belly-fat, yogurt to help fight fat, and lemon zest and honey.

We are Save-On Health Insurance Services and we proudly serve the Los Angeles, California area.  For more information, contact us.

Is It Time to Update Your Life Insurance?

If you’ve experienced a major change in your life, you might want to review your life insurance policy. You’ll want to make sure the amount of coverage, your beneficiaries and even the type of policy you have reflect your current circumstances.

You may need updated insurance if:

  • You have a child, adopt or someone becomes dependent on you.
  • Your family’s standard of living has changed since you obtained insurance.
  • A family member requires medical treatment or has special needs.
  • You bought your policy before 2009 (policies before 2009 use outdated mortality tables).
  • You pay off a mortgage or other significant debts.
  • You anticipate significant expenses that were not a factor when you bought the policy.
  • You have started a business venture.
  • You want to change or add a beneficiary.

Before making a change, ask your insurance agent:

  • Do I have enough coverage for my needs?
  • Am I paying competitive rates for someone of my age, health status and financial status?
  • Should I consider a switch between term, whole or universal coverage?
  • Is there any equity in my whole life policy and what will happen if I discontinue it?
  • If I switch to term life insurance, how long should the policy last?

To learn more about life insurance options in the Los Angeles, California area, contact Save-On Health Insurance Services.

Why Life Insurance Is Important for Singles

Many single people incorrectly believe that life insurance is not something they should consider. They may feel like life insurance is for those who are married, have children or who have significant financial responsibilities. That is simply not the case. Here are some very good reasons single people should consider getting life insurance now.

  • Final expenses are expensive. Even a modest funeral can cost $5,000 or more and that is not a burden that a family member should bear.
  • You may have loans that have been co-signed by someone else. If that is the case, your co-signer will still be obligated for that loan.
  • Life insurance is at its least expensive when you are young and in good health. You may be surprised with how much term life insurance you can get for a few dollars a month.
  • Maybe you want to leave a legacy. Life insurance is an affordable way to leave a significant donation to a non-profit organization in your name.
  • Perhaps you are an unmarried parent. If that is the case life insurance can make a significant impact on the life of your child.
  • You have elderly parents that are counting on your assistance as they age. An insurance policy on your life can make all the difference in the world.

If you would like a free, no obligation life insurance quote, contact us at Save-On Health Insurance Services in Los Angeles, California. We can show you how affordable life insurance for a single person can be!

Natural Aids for the Relief of Stress

April is National Stress Awareness month. It is a month designed to recognize the high cost that stress has on our emotional, physical and mental well-being. With that thought in mind, here are some natural stress relievers.

  • Use of Lavender. Lavender is said to have great stress reducing properties and the scent of fresh lavender may even promote better sleep.
  • Avoid sugar and instead have some dark chocolate. Sugar may actually add to your stress level but dark chocolate may actually reduce stress.
  • Get a massage. Massages come in many types so look for a Swedish Massage or Aromatherapy Massage to aid in the relief of stress.
  • Take a bubble bath. Simple, yet effective, a hot bath, especially with a good book and candles can be a terrific stress reliever.
  • Make yourself a chamomile tea. Chamomile is a natural relaxer.
  • Exercise. Working up a sweat can be a great natural way to relieve stress.

If you would like a quote on your health insurance contact us at Save-On Health Insurance Services of Los Angeles, California.