What’s New in California Health Care

Eight Strategies to Drive Increased Insurance Sales

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 them, their needs, and their goals, you’ll be rewarded with increased sales and, very likely, referrals from these customers that can lead to even more sales. If you don’t get to know them or you fail to “listen” to what they’re really telling you, then you may […]

10 Ways to Get Motivated for a Morning Workout

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 Four Weeks to Fabulous.

One recent study found that exercise before breakfast can counter the ill effects of overeating. The researchers compared groups of active young men who ran or biked before breakfast with those who didn’t exercise and with those who exercised after eating big meals. […]

Improve your heart health

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 you are, the better. But just one solid hour of activity over the course of a week makes a difference.

Health professionals at Mayo Clinic have developed the Mayo Clinic Healthy Heart Plan. The entire plan is contained in the book “Mayo Clinic Healthy Heart for Life!” But one of […]

6 Reasons for Eating Healthy

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 are the top reasons to sneak a few more nutrient-packed foods into your diet.

1. Increase productivity
Like a car, your brain needs quality fuel to run efficiently. When it comes to your job, working more efficiently can help you earn more, since high achievers are usually first in […]

Medicare Advantage vs. Medigap

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 the “gaps” in coverage could do to your budget if you were admitted to the hospital for, say, heart surgery, and complications required you to have a long hospital stay followed by needing regular medication after it:

At the hospital: Because of the Part A deductible, you’d pay […]

  • 4th of July 2016

SoCal 4th of July Fireworks

4th of July 2016

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

  • 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 GA section. Children require a ticket in reserved seating. Tickets can be purchased here. Active Military with ID free (up to four tickets […]

CMS proposes to test Medicare Part B prescription drug models

CMS wants to overhaul PART B drug payments

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 looks forward to continuing to work with stakeholders through the rulemaking process to maximize the value and learning from the proposed tests.

CMS is accepting comment on the proposed rule through May 9, 2016.

The […]

Protect Yourself From Abuse

Fight Against Elder Abuse

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 manager. Only allow someone you trust to manage your finances. Visit www.aadmm.com or www.aarpmmp.org for further information on professional money management services.
• Get your estate plan in place. Talk with an attorney about […]

Hip Knee Replacements

Hip or Knee Replacements

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 process. Starting April 1, the Centers for Medicare & Medicaid Services (CMS) will shift how it pays hospitals in the United States for major leg procedures. Up until now, hospitals and […]

Memorial Day Planning with Elderly Parents

 

Memorial Day Planning with Elderly Parents

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 their lives!
For many of us, that means that our parents and grandparents sacrificed much in order to serve our country. Here are a few ideas for how we can celebrate Memorial Day with our loved ones […]

Add life to your years

Add life to your years

PACE | PARTNER | NOURISH | STIMULATE

Although Americans are living longer these days, more are also developing chronic illnesses. Do illness and aging always go hand-in-hand? The answer is a surprising, but resounding, NO. It is never too late to get more active or revamp your diet. It is not a matter of training for a marathon or giving up entire food groups, either. Small things can lead to huge differences in the way you feel and the way your body works. Although you should always consult with your doctor before making changes, there are easy steps you can take toward overall wellness—regardless of your age.

About 80% of older Americans have at least one chronic health condition.

HEALTHY LIVING:
• Helps keep your mind active
• Helps maintain physical health
• Provides structure and routine
• Connects you with the community
• Promotes social activities
• […]

Reinvent Yourself After Retirement

Reinvent yourself

WORK | CREATE | LEARN | SERVE

Today, older Americans are living longer and more healthfully than ever before. What does this mean for our notions of life after a career? Many retirees are finding new inspiration in second careers, helping others, discovering new interests, and pursuing dreams. Reinventing yourself can be fun and rewarding. Even better: it is also good for your mental and physical well-being. Whether you are planning for retirement or simply looking to get involved in new activities, start by thinking about your skills, dreams, and passions.

By 2029, more than 20% of Americans will be of retirement age.
THE BENEFITS:
• Helps keep your mind active
• Helps maintain physical health
• Provides structure and routine
• Connects you with the community
• Promotes social activities
• Helps prevent isolation
• Provides income in some cases

FOLLOW YOUR PASSION, USE YOUR SKILLS

Careers after retirement can be rewarding, personally […]