As an independent insurance sales professional, we know your goal each month is to make a profit and increase your business. Finding new customers and keeping your current ones is essential. To be even more successful, consider an alternative mindset and a different approach, focus on improved sales effectiveness. Make your objective be to help people, earn their trust, and become their reliable advisor. Insurance is an important product to help consumers reach their goals – whether they’re concerned with safety and health, financial security, limiting their out-of-pocket health care costs, or something else. If you work collaboratively with them, and you get to know [...]
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10 Ways to Get Motivated for a Morning Workout Ever notice that when you exercise in the morning, you feel more alert and productive all day? It’s no coincidence — a morning workout has several advantages for your body and your mind. First, exercise jump-starts your metabolism, and keeps you burning calories at a higher rate all day. Also, you get your exercise out of the way and don’t have to worry about not having time for your workout routine, should something unexpected come up during the day, explains Alice Burron, MS, a Wyoming-based personal trainer, spokeswoman for the National American Council, and author of [...]
Expert Answers from Rekha Mankad, M.D. a Doctor from the Mayo Clinic I'd like to improve my heart health, but am worried I don't have the motivation to join a gym or make big diet changes. Any advice? It's great that you want to improve your heart health. Don't think that you have to make big changes to have an effect on your heart health, though. Even small, basic steps can have dramatic effects. One of the biggest drops in heart disease risk occurs when you go from living a sedentary lifestyle to being active for as little as one hour a week. Obviously, the more active [...]
But even if you intend to “eat healthy,” knowing exactly what that means can be challenging. “Following a healthy diet includes choosing plenty of lean meats, eggs, vegetables, fruit, whole grain and dairy products,” says Debra Nessel, a registered dietitian with Torrance Memorial Medical Center in Torrance, California. Eating well also means leaving out or only rarely consuming foods that are high in added sugar, saturated fat and sodium. That includes most fast food, full-calorie sodas, processed snacks like chips and crackers, and anything with more milligrams of sodium than there are calories in a serving. If you need some help getting motivated, here [...]
Medicare has four basic parts – A, B, C and D. Together, Parts A (hospital care), B (doctors, medical procedures, equipment) and D (prescription drugs) provide basic coverage for Americans 65 and older. What's relevant is what these parts don't cover – deductibles, co-pays and other medical expenses that could wipe out your savings should you become seriously ill. That's where Part C comes in. Also known as Medicare Advantage, it's one of two ways to protect against the potential high cost of an accident or illness. Here's what could happen. Let's say you have only Parts A, B and D. Here's what [...]
There's a lot going on in Southern California on the Fourth of July, from beaches to street fairs to fireworks displays to picnics. Here's a complete list of Fourth festivities in Los Angeles, Ventura, San Bernardino, Orange and Riverside counties. Los Angeles County Fourth of July AmericaFest at the Rose Bowl When: July 4, parking lot opens at 10 a.m., food court opens at 2 p.m., stadium opens at 6:30 p.m. Opening ceremonies begin at 7 p.m. Fireworks start at 9:05 p.m. Where: Rose Bowl Stadium at 1001 Rose Bowl Dr., Pasadena, CA 91103 Cost: $13 general admission, $25 reserved, kids 5 and under free in [...]
CMS proposes to test new Medicare Part B prescription drug models to improve quality of care and deliver better value for Medicare beneficiaries. The Centers for Medicare & Medicaid Services (CMS) announced a proposed rule to test new models to improve how Medicare Part B pays for prescription drugs and supports physicians and other clinicians in delivering higher quality care. The proposal is part of the Administration’s broader strategy to encourage better care, smarter spending, and healthier people by paying providers for what works, unlocking health care data, and finding new ways to coordinate and integrate care to improve quality. CMS values public input and [...]
Protect Yourself From Abuse, Neglect and Exploitation! Unfortunately, it is estimated that millions of U.S. elders, from all walks of life, face abuse and neglect every year. Anyone can be victimized. However, there are things you can do to help protect yourself from abuse and neglect. PLAN! Talk with family members, friends, and professionals that you trust and plan for your future. Consider doing the following: • Have your income (e.g. retirement, Social Security, SSI, disability income) directly deposited into your checking account. Contact your bank or go to www.godirect.org for help. • If managing your daily finances becomes difficult, consider utilizing a daily money [...]
New Medicare Payment Rules for Hip, Knee Replacements. Originally written on Healthline News by Shawn Radcliffe | Published on April 1, 2016 | http://www.healthline.com/health-news/new-medicare-rules-for-hip-knee-replacements#2 Medicare has started paying hospitals for the quality — not quantity — of care that patients undergoing hip or knee replacement surgery receive. Many people know someone who has had a hip or knee replaced, or they may have gone through a major leg procedure themselves. When these surgeries go well, they can restore mobility and independence. However, experts say that too many of these procedures result in unnecessary complications. Medicare would like to change that and save money in the [...]
Monday May 30, 2016 is Memorial Day. Take the time to stop and recognize the great sacrifices made by our veterans. It is especially important to celebrate and remember with the seniors in our community. Here's some tips to include in your Memorial Day Planning with your Elderly Parents. According to a Gallup poll, approximately one in five Americans who are 59-years-old and younger are veterans. It is remarkable to note that four out of five 85 to 89-year-olds served in our American military. In other words, 80% of Americans between the ages of 85 and 89 actively served in our military at one point in [...]