Whenever you start to get that scratchy throat or a runny nose; there’s always a moment that you have to decide if it’s time to go to the doctor or wait it out. Do your symptoms need to be treated with some antibiotics or is your immune system strong enough to fight it? If you go to the doctor and get drugs that you don’t need you can be contributing to an antibiotic immunity. However, if you have a bacterial cold, antibiotics will help cut your time sick quickly. So when do you know that you need to go to the doctor?
You should go to the doctor if you….
Have a high fever.
For adults, a low-grade fever ranges around 100.8. But if you are experiencing a temperature of 102 or higher, than it is likely that your body is fighting off something that is stronger than a cold and you should be looked at by a professional.
Have a cough that lasts over ten days.
It is most likely because you have a postnasal drip, but it could be indicative of other issues like asthma or GERD. In either case, it is best to see your doctor.
Feel like you have been hit by a truck.
If your illness has made it hard for you to get out of bed, then you may need to see a professional. The winter cold virus can produce body aches; however, if the experience is more along the lines of exhaustion or general weakness, then it is best to go to the doctor’s office. You could have the flu, and there are treatments for that illness.
Have a severe headache.
Most headaches can be solved if you take a couple of over the counter pain relievers. But If you are having a hard time concentrating and always seem to have a fuzzy or hazy feeling, then this could be a sign of meningitis and should see your doctor right away.
If you need to see your doctor more often than you were expecting when you signed up for health insurance, please make sure to make a note of it and speak to us. We can help you find the best health insurance for your needs during open enrollment.
What College Students Need to know about Healthcare
College is an exciting season in one’s life. You are embarking on your first steps of adulthood and walking into higher learning. For many, it is the first time they had to do their laundry or figure out a budgeting system. Baby steps people. One aspect that isn’t discussed that often is a college student’s need for health insurance. It is just as important as getting your textbooks or making sure that your schedule has no early morning classes. While college students do tend to be in the best stages of their health, many incidents can happen during college years that make health insurance a necessity. You can never predict when there may be an accident and you get hurt. Health insurance does help pay for any doctor’s visits for a cold, and it can help pay for mental health care and with any care need for STD’s or pregnancy.
If you are a dependent and under the age of 26, you can still be covered under your parent’s health care coverage. This can be especially helpful if you are staying in the same state to attend college. You will still have access to all of your regular providers. If you are attending school outside of the state that your parents live in, it would be advisable to research the care that is available in that state and make sure that your health insurance will cover your basic needs. Many students do come home and have their doctor appointments while on break, but if an accident should happen it is good to know where you would go to get care.
Many schools also offer health care options for their students. These are known as Student Health Insurance Plans (SHIP). This can be very helpful for many students because they can use their financial aid to help pay for their health care premiums. With the programs, many schools have made medical care available on campus which is very convenient. It is also essential to compare the cost of these programs with other marketplace programs because you do want to ensure that you are not spending more money than is necessary for the services rendered.
Please contact us if you have any questions about college students and their health insurance needs.
If you live in the Inland Empire and have needed access to health care but because of your income have had a hard time affording specific marketplace plans you may have come across IEHP or Molina. Both of these institutions are here for the same reason, to provide health services to people regardless of their socioeconomic status. Here’s a little bit more information on each of these companies.
“Inland Empire Health Plan (IEHP) is a not-for-profit Medi-Cal and Medicare health plan headquartered in Rancho Cucamonga, California. We are the largest health plan in the Inland Empire, and one of the fastest-growing health plans in the nation. With a network of more than 6,000 Providers and 2,000 Team Members, we provide comprehensive managed health care coverage to more than 1.2 million residents of Riverside and San Bernardino counties. “ https://ww3.iehp.org/en/about-iehp/
IEHP is known for their large selection of doctors, providing overall healthhttps://ww3.iehp.org/en/about-iehp/ options including wellness information, and always looking for quality over quantity in the type of support and healthcare that they offer.
Molina’s mission is to treat every person they interact with as though they are interacting with family. Started in 1980 by Dr. David Molina who noticed that low-income families were coming in for care but were lacking necessary information and not getting the right care initially. What started as a low-income clinic grew to a large company that provides coverage in 13 states with 3.5 million members.
Both of these companies are dedicated to providing the best care options for their members. If you need to decide which company is a better fit for you, make sure to look at what doctors are available to accept new clients in your area. There may be plenty of doctors to choose from, but while a doctor may take IEHP or Molina, they may not be accepting any new patients. But both companies are known for treating their members exceptionally well.
If you have questions about your health care coverage, please feel free to call us. We are the healthcare experts and are happy to answer any questions that you may have.
At Bernardini and Donovan, we love serving our clients and partners. And we are dedicated to providing you, your families, and your businesses with insurance services. We do this by following a dedicated set of values which directs our communication and service.
We are here to help you. We understand that your health is vital and that many of you need good health insurance to help the cost associated with preventative care as well as care whenever illness or injuries occur. That’s why we want to do everything we can to help you. If you are tired of trying to figure out health care on your own, we are here to answer your questions and walk alongside you to ensure that you get the health insurance that you need.
Our health insurance market has been flooded with change over the last few years. To the point that many people cannot keep up. We know that it’s hard to keep up in a niche market, so that is why we do it for you. As you have questions about new policy, your best options for your business or when you are starting Medicare; we are here to give you the most up to date information.
Webster’s dictionary defines trust as the “assured reliance on the character, ability, strength, or truth of someone or something.” We strive to continue to be above board, up front and honest with all of our clients. We seek to communicate effectively and promptly especially when deadlines are so final with health insurance. And we hope to build lasting relationships with our clients. This isn’t a single transaction, but a desire to see you turn to us for any of your health insurance needs.
We want you to succeed and do everything we can to make the health insurance process as easy as possible. Please contact us today if you have questions about your health insurance.
Over the last year, we have seen lots of ups and downs as Washington has been looking to make changes to our health care.
We’ve seen bills get through the house to be then stood up in the Senate. There have been a load of rewrites and committees being formed to address these issues. We have seen dramatic days of voting and lengthy interviews afterward about who said yea or nay. So what changes have been made to our healthcare? You may have heard about the individual mandate being suspended under a new tax law for future years, but here is one change that will affect your tax return this year.On October 13, 2017, the IRS reversed a recent policy change in how it monitors compliance with the ACA individual mandate. For our 2018 filing season (filing 2017 tax returns) the IRS will not accept electronically filed tax returns where the taxpayer does not certify whether the individual had health insurance for the year. For paper returns that do not certify compliance with the individual mandate, they may be suspended pending receipt of additional information and any refunds due may be delayed.
To avoid refund and processing delays when filing your 2017 tax returns in 2018, taxpayers should indicate whether they and everyone on their return had health coverage, qualified for an exemption or are paying individual mandate penalty. This process reflects the Affordable Care Act‘s requirements and the Internal Revenue Service’s obligation to administer the law.
We hope that this information has been helpful for you as we are in the thick of tax season. Remember that if you ever have questions about your health care insurance, we love to be able to help you and are only a phone call away. If you have questions about taxes, we recommend talking to a tax preparer as they are equipped to help you understand the tax laws.
Good Questions To Ask Yourself During Open Enrollment
Looking at what health insurance you need can be an overwhelming process. Sometimes you only look at one aspect, like the monthly cost, and find yourself with huge out of pocket bills to pay later. If you are looking to enroll or re-enroll in Covered California this month, these are some good questions for you to ask yourself.
Do you like your current plan?
Over the last year have there been any situations that you did not expect to happen with your level of insurance? Or did you have any unexpected bills? Were you happy with your doctor and the care of service provided to you and your family? It’s good to look and see if there were any pain points over the last year. If you know what you didn’t like, you can see if there are any easy ways to fix that for the coming year.
Are you planning on having any significant changes this year?
Are you expecting to have a child? Or are you getting married? Both of these are substantial life changes that you can consider in your health insurance. However, it is important to note that these are also considered life altering events that can put you in a special enrollment period where you can change your health insurance to better match your current needs.
Are you on any current prescriptions?
If you are on a prescription medicine it will be important to know if your new provider covers these prescriptions or if your current provider is looking to change their policies.
How much do you want to pay?
Looking at your budget is crucial. And this is not just looking at your monthly premiums. This question needs to entail what you will pay out of pocket. What does it cost to see your doctor, to get prescription drugs, to go to the emergency room? You should also know what your premiums cover.
If you need help answering any of these questions, please feel free to call us at Bernardini & Donovan.
The leaves are soon going to change, and we are transitioning into a busy holiday season as well as saying goodbye to 2017. But in the midst of shopping and holiday parties, there is an additional thing to consider. From November 1st to January 31st, Covered California has open enrollment.
In the past year, we’ve watched while there have been many attempts at changing the way our healthcare system works. But for now, it looks like things are staying the same. So during this time, it will be essential to ask yourself a few questions: Am I happy with my current provider? Was there anything in the last year that was particularly difficult for me? Were there any unexpected costs associated with my healthcare? Do I get along with my doctor? Am I getting the best care for my particular needs? Were there any changes to my health this year that will cause me to need additional attention in the future? Was there any significant life changes that happened recently that will cause me to need extra coverage for dependants? Am I getting the most out of my health care coverage?
All of these questions are excellent and need to be considered with your health care. At this time you have an option or changing your health plan to one that could better fit your needs; whether those needs be that you require different types of deductibles or that you need a lower monthly premium. If you would like to change doctors, it is always good to do some research ahead of time. A quick call to a doctor’s office can let you know if they are accepting new patients and what medical insurances they accept. It would not be good to switch coverages just to find out afterward that they doctor you want will not be able to take your insurance.
As always, if you have any questions about your health insurance, we are always here to answer them. We love helping you find the best coverage for your needs.
What a College Student Needs to Know About Health Insurance (Part 1)
College can be such a crazy season. Not only are you being challenged more than ever academically, for many students it is their first foray into the adult world. No more is mom around to take care of laundry or make sure that you’re eating a balanced meal (hello Freshmen 15). And to help college students better understand more about health insurance, we thought we could cover some key things college students need to know about health insurance.
Why you need health insurance
Many college students may be under the thinking that they are young, healthy and in no need of health insurance. But that is just not the case. Young people are just as much at risk, and at times more so to need medical care as the rest of the population. Young people, while only making up 14% of the US population also makeup over 50% of all vehicular accidents injuries. Also, one in five young adults will suffer from a chronic illness. A recent study showed that young adults (ages 18-25) are the most likely to suffer from mental illness. Youth does not equate health.
And if you do happen to fall anywhere in these demographics and do suffer from an unexpected illness, accident or mental health issue, medical insurance can be a great help to you. College students also have higher rates of getting STD’s and unexpected pregnancies. Health care is expensive and having insurance can keep you from being in medical debt before graduation.
What kind of coverage you can get
First and foremost, college students can remain on their parent’s health insurance plans until the age of 26. This applies not just to college students, but even if you’re married or financially stable. This coverage can be beneficial because you do not need to foot the bill for this coverage and there is an opportunity for excellent coverage. There can be some issues if your parents suddenly lose their insurance. But if that happens make sure to read our next blog for more ways you can get coverage as a college student.
In our previous blog, we discussed some basic ways to help your health and to keep your body working as well as possible. But we just scratched the surface. Below you will find some more helpful tips to keep your body working and youthful.
This piece of advice comes from centenarians – yup, that’s people who are living into their 100’s. One common factor that these centenarians have is that they do not overeat. Overeating was considered wasteful, so many of them eat until they feel 80% full. At that point, they stop. They have developed an excellent system to actually understand their body’s cues of when they are hungry and when they are not.
Wine is your friend
The key to this piece of advice is moderation! Drinking too much leads to a whole host of problems. But wine has a compound called resveratrol which seems to slow aging. It can help in good heart health, but studies are being done on the effect of good bone health, less inflammation and lessening the probability of cataracts. Cheers to that!
Try for a plant based diet
If you’re anything like us, this seems the hardest tip of all! We just love some good BBQ! But, studies show that a plant-based diet reduces the risk of cancer, heart disease, and strokes. As you get older, the animal proteins you ingest seem to accelerate your aging. So by replacing the protein with beans, soy, and nuts; it seems to slow the aging effect.
These are of course just suggestions, and you should talk to your doctor before making any grand changes to your lifestyle or diet. Gandhi once said that “It is health that is real wealth. And not pieces of gold and silver.” We have to say that we agree. We want to value our health and find the wealth of living a full life. Even making small changes to your health can have lasting effects.
Our society seems to hate the idea of aging. We see it in the countless hours of ads and commercials spent on selling gray-b-gone hair color, under eye serums and every type of cream to get rid of marks, blemishes or discolorations. This blog is not being written in the hopes of selling you any such miracle treatments. However, We do want to talk about some small habits you can take on to help you feel younger or to help your body age better.
Stress has a way of eating away at you. When you worry and stress there are actual physical changes in your body that can accelerate the aging process.
Work out your mind
Have you heard the term use it or lose it? That applies here! Even in children, there are studies that show that over the summer break children lose a significant portion of what they learned over the school year. But as we age, our brains need the cognitive exercise to help stay nimble and alert. Small things like doing puzzles or brain games can make a huge difference in improving memory.
Eat your best fat
For many years marketers enforced the idea that we need to stay away from fat as they sold us low-fat options for all of our favorite foods. However, fat is our friend! Well, the good kind of fat. Omega-3 fatty acids found in salmon and seeds will help you by maintaining bone density, reduce inflammation, stabilize your mood and boost your immune system. All of these are key pieces to help us age better and to not expedite the aging process in our bodies.
Exercise is just a staple for healthy living. But the more you move, the better your body feels. Exercise helps to tone your muscles and helps your bones. Not only does it help your body it helps your brain! “Walking for just 10 minutes a day lowers your risk of Alzheimer’s by 40 percent,” says Gary Small, MD, director of the UCLA Center on Aging.
Some of the best health insurance you can get is by just taking care of yourself. There’s no need to go overboard, but by making small changes, you can have a lasting impact that will change the rest of your life.
let Bernardini & Donovan find the right plan for you
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