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6 Motivating Kitchen Tools For A Healthier You

By |2019-03-05T22:16:31+00:00March 26th, 2019|Categories: Blog and News, NHIA Blog|Tags: |

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Eating healthy can seem a daunting task. Especially with the associated effort an expense involved. There are, however, many ways to become motivated to eat healthier. In some instances, it begins with your kitchen tools. In this article, we are reviewing some top kitchen tools to encourage a healthier and happier you.

 

The Air Fryer

 If you adore fried foods then you’re not alone! Finding a healthy way to enjoy fried goodies is made significantly easier with the use of an air fryer. Rather than cooking your food in a pool of grease or oil, an air fryer uses the convection heat method. With the small space of the fryer, it is able to blow around hot air to simulate the fryer effect to give you the much-loved crunch of fried food without all the grease.

 

The Blender

If you’re thinking smoothie then you’re right. A good blender can create deliciously smooth smoothies for you to enjoy. You know the old saying, an apple a day keeps the doctor away. On the flip side, a great blender can smooth out soup to the point where those you serve will swear you added cream. There are a number of recipes available on the internet today for a variety of healthy options.

 

The Pressure Cooker

When you’re busy and always on the go, you can skip the fast food with a pressure cooker. When time is a factor, a pressure cooker will cut down on cook times and take a mere one-third of the time it would take on the stovetop or oven for a delicious meal. When cooking with liquid stocks or water you are able to eliminate oils altogether.

 

The Kitchen Scale

Having a better understanding of just how much food you’re eating can provide you with the knowledge to get healthy. Since our eyes tend to tell us that we are full based on what we see, having a kitchen scale will help you know exactly how much you’re consuming and plan better.

 

The Food Chopper

No more excuses about the prep-time taking too long with a food chopper in the kitchen! Save money with eating at home and eat healthier with fresh whole foods. When we know food prep won’t take longer than the actual cooking, we are more motivated to prepare meals at home, leading to healthy habits.

 

The Oil Spritz Bottle

While many fats, grease, and oils are bad for us, you may be surprised to learn that there are some good oils as well. We all need a little oil in our diet for added flavor and overall health. To do this in a healthy manner, use an oil sprayer to help moderate your intake and avoid overdoing it.

 

Final Thoughts

Eating healthy begins with the right tools for the job. WIthout the excuses of prep time and really, time in general, we are able to take control of our diets. By making minor adjustments to your diet, you will begin to see an increase in healthy habits and begin to feel better for a happier you.

 

 

 

3 Reasons Why Your Business Should Offer Health Insurance

By |2019-03-05T18:54:29+00:00March 11th, 2019|Categories: Blog and News, NHIA Blog|Tags: , |

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As an employer, there are several benefits you are able to provide your employees. The one benefit that trumps them all is health insurance. This will not only keep your employees happy and healthy but show them that you are invested in them as your team and overall, their well-being.

Many small business owners while not required to provide health insurance, still do. Why you may ask? For the reasons stated above. By investing in your team, there is a higher probability of keeping them happy, healthy, and productive.

If you’re still on the fence about providing health insurance for your employees, then continue reading, as in this article we are going to review 3 reasons why your business should offer health insurance.

 

It’s Easy To Set Up

When it comes to providing health insurance options and benefits, you’re not alone. A health insurance advisor will always be available to walk you through the entire process and help you figure things out. A good advisor will help you select the perfect plan for your team by reviewing your industry and the coverage preferences of your team while keeping you updated and compliant on a consistent basis. Your advisor will also be available to answer any and all questions your team may have about their new health insurance policies so that you don’t need to worry about it.

 

Your Employees Will Appreciate It

When reviewing the benefits offered by employers, health insurance is the highest beneficial option an employee can receive. Studies have shown that employees are happier when they are provided health insurance through their employer and if you’re considering providing benefits, then health insurance should be the first you offer and if needed, add others later on.

 

Save On Taxes

As a rule, when you buy in bulk, there are significant savings. The same goes for when groups of individuals purchase health insurance together, the business and employees all save.

As an employee, purchasing health insurance on their own will require the use of post-tax dollars. However when going through an employer for health insurance, employees are then able to not only buy as a group but they pay for their health insurance with pre-tax dollars, allowing a solid savings of 30 to 45 percent on health insurance plans.

On the flip side, for employers, there are a number of tax saving benefits by offering a group health insurance plan to your employees.

 

  • Contributions are tax-deductable
  • Payroll taxes are reduced by over 7 percent of employee contributions
  • Worker compensation premiums are reduced
  • Employees may prefer benefits over increased salaries

 

Final Thoughts

Overall, it’s a win-win for providing health insurance to your employees. As an employer, it’s your role to take care of the business, and the best way to go about this is to care for the employees that keep everything working smoothly. Providing benefits to your employees not only encourage long-term employment but also make employees happier and boosts their productivity. The tax saving benefits are just an additional incentitive for those businesses seeking to save money.

Health Insurance Benefits you Might not Know About

By |2019-03-05T18:41:58+00:00March 2nd, 2019|Categories: Blog and News, NHIA Blog|Tags: |

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We all need support whether we are trying to quit smoking or just trying to live a healthier life. Most people don’t even realize that their health insurance provider wants to help. It’s in their best interest to care about your health so you should take advantage of it. The problem is that most people don’t even realize that their provider is willing to cover certain preventative care screenings and will offer other benefits for achieving specific goals. For instance, I know a lot of companies are offering discounts as an incentive to quit smoking or to lose weight. Most people don’t grasp the fact that an insurance company truly care about their health.

Here are some benefits that you might you are probably getting with your health insurance policy that you don’t even know about!

Free Annual Preventative Care

Preventative testing is proven to lower an individual’s health risks. It ensures you are healthy while lowering the number of payments an insurance company must pay to cover medical expenses. It’s a win for both parties! The fact is that preventative care will help save you money in the long-term and contributes to a healthier life. Take advantage of any free services offered by your policy. Here are a few examples:

  • Alcohol Abuse
  • Blood pressure screenings
  • Diabetes testing
  • STD screenings
  • Cancer prevention screenings
  • Female screenings (mammograms, etc.)

The availability of preventative care is dependent on the policy.

Free or Discounted Weight Loss Programs

Being obese is extremely detrimental to your health. The problem is that most Americans are overweight so it has gotten the attention of health insurance providers. Therefore, most companies now offer free online health coaching and other services for helping their clients lose weight. They actually devote a lot of resources to this end. Make sure that you’re taking advantage of them.

Some policies will also cover certain weight loss programs if it’s recommended by a doctor within their network.

Discounted Gym Membership

This benefit adds to the above in that people who are in shape are usually healthier, therefore it lowers the payouts required by the insurance provider. In fact, most major insurance providers will offer discounted gym membership with their network. If you have a Medicare Advantage plan through a private insurer, gym membership can even be free with the plan! This is advantageous and you should take full advantage of it. Get in better shape and live a healthier life. Everyone wins!

Programs to Quit Smoking

Your health insurance provider wants its members to quit smoking so they are willing to help its members achieve that goal. In fact, tobacco use is an area where millions are spent every year so providers are willing to prevent those costs by providing help. Check your policy for programs that are related to helping you quit smoking. As further incentive, most companies will issue lower premiums once you have quit smoking for an extended period of time.

You need to be sure that you are getting every possible benefit from your health insurance since it’s all built into the cost.

Mythbusting Health Insurance Rumors

By |2018-10-16T18:48:10+00:00February 27th, 2019|Categories: Blog and News, NHIA Blog|Tags: |

Health insurance presents quite the challenge in today’s world. There are just so many technicalities and bureaucracy surrounding this issue that it has creates a huge mess of convoluted descriptions and misunderstandings. Fortunately, we live in the digital age where information is readily available. Due to the nature of competition now, insurance providers are making all information easily accessible to customers. This has become a salvation for so many.

With that being said, there are still several myths that surround health insurance so let’s do a little mythbusting to clear a few things up.

Myth #1: Employer Health Insurance is Always Sufficient

Companies tend to offer benefits packages as part of their standard corporate group health policies but even if you have employer provided insurance, do not completely dismiss adding your own personal policy to it. Corporate policies have their place but they might not meet all of your needs. They might require too high of a copayment or they don’t provide sufficient coverage for your family. The earlier in life you get a health insurance policy, the better because the costs are only going to rise as you grow older. But if you get into a policy early enough then you will be “grandfathered” into better rates.

Myth #2: Smokers Can’t Get Health Insurance

Almost half of individuals who are enrolled in health insurance have smoked and consumed alcohol. The feared not being able to find a policy and were shocked when their application was approved. While smokers are considered a higher risk than non-smokers, they are still eligible. However, they can expect to pay a higher premium and will be forced to undergo strict health tests before they are approved.

Myth #3: Healthy People Don’t Need Health Insurance

I cannot even begin to describe how wrong this is. Being healthy and in shape is amazing, but that doesn’t make you any less vulnerable to accidents or illnesses. Accidents will injure anyone. Sickness can take anyone. It’s just life. While being in shape certainly reduces your risk of certain diseases and conditions, nothing completely eliminates them. We see the healthiest of people get cancer and the fittest of people can get into a life-altering car accident. Everyone needs health insurance.

Myth #4: Insurance is Only Useful When You’re Hospitalized

False! First of all, in today’s high technological world we so not necessarily have to be hospitalized to get certain surgeries. Day care procedures like cataract operations and kidney stone removal are all outpatient procedures. There are also preventative health checks that are covered by certain health insurance policies. Dental procedures are another area where insurance is useful. My point is that you should be making the most of your health insurance by having all of your preventative testing done. Don’t worry about your premiums going up either because providers want you to take these tests because preventative health care testing will lower your risk of costly hospitalization.

Don’t be fooled by the many myths that surround health insurance. Learn the facts for yourself and you will be far better off in the long term. In fact, there are a lot of steps you can take to actually save money on your health insurance but these are clouded by common misconceptions.

Tips to Help Minimize Medicare Costs

By |2018-10-16T18:45:43+00:00February 18th, 2019|Categories: Blog and News, NHIA Blog|Tags: , |

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One of the lessons learned by so many newly retired Americans is just how expensive post-retirement healthcare coverage can cost. It’s one of the largest retirement expenses that you will face on retirement and a reason we see so many people working past the age of 65. In fact, most couples spend an average of $400,000 total on their healthcare after retirement. Needless to say that finding ways to save money in this area can be a critical part of your life after retirement.

The first thing you have to know is that you cannot do anything about the rising cost of healthcare every year so it’s best not to let it drag you down. Let’s focus on factors that you can control.

One factor that everyone must face is that the rules for Medicare are convoluted and complex. That means you will need to pay close attention to detail in order to maximize your savings.

Medicare Timelines that you Must Know

Timing can make a huge difference! Individuals will normally be eligible for Medicare upon reaching the age of 65. However, what a lot of people don’t realize is that the window to sign-up for Medicare will open three months before the month of their 65th birthday. Enrollment then ends three months after their 65th birthday.

Most people wait until they turn 65 to apply and end up pushing their deadline because of the time it takes to put through the paperwork. With that said, it’s also important to understand that while you can decline Part B of the coverage, there are penalties that ensue as a result of declining that coverage. Every year that you are eligible for Part B but do not enroll, you will incur a 10% penalty that is cumulative. Furthermore, applying for Part D late will result in a 1% monthly penalty. Both of these penalties can add up quickly.

HSA Becomes Complicated

Enrolling in Medicare Part A will make you ineligible to put money into an HAS. However, you will still be able to withdraw funds from this account tax-free.

What many people overlook is that when you start collecting Social Security benefits, you are automatically enrolled in Medicare Part A. That means you have to stop making any contributions to your HSA accounts. But if you want to keep working after 65, you can decline all Medicare coverage.

Income-Based Surcharges

At the time of this post, there are income-based rules that will increase the premiums for Medicare Parts B and D if your adjusted gross income goes over a specific amount. Furthermore, you will have a two-year look-back period that will be used to decide whether or not you have to apply income-based surcharges. That means wages you earned two years ago will determine your current income-based surcharges.

Conclusion

The rules surrounding Medicare are really complicated and the only way you can save money is to learn all of the language. Study your plan carefully and plan accordingly. You need to have a high attention to detail, otherwise you will end up adding to its already high cost.

Medicare Tips that All New Retirees Need to Know

By |2018-10-16T18:46:53+00:00February 10th, 2019|Categories: Blog and News, NHIA Blog|Tags: , |

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Swapping over to Medicare from the traditional employer health insurance plan can be a stressful transition. Most employers will only offer limited choices and those companies pay a large portion of those costs. When you swap over to Medicare, it’s easy to get overwhelmed by the sheer number of choices available. The prices can also be quite steep when compared to employer insurance. Those who go it alone usually end up overwhelmed and sometimes make the wrong choice.

Don’t panic! We’re here to help. Here are a few tips that will help you make this difficult transition

There is Not a Family Plan

Family plans do not exist in Medicare. While typical insurance covers you, your spouse, and your children, you will quickly learn that they will need to find an insurance plan of their own. You and your spouse will probably need different plans too since you probably have different needs.

Make sure that you understand both you and your spouse will have to sign up for Medicare when reaching 65 years of age. Of course, if your spouse still works at a job that has family coverage, then you might be able to stay on their plan until they retire.

Caps are Not Automatic

Caps on out-of-pocket expenses are not automatic. Most employer provided insurance comes with an annual limit on out-of-pocket healthcare expenses. On the other hand, Medicare will cover 80% of the costs but has no cap. It’s straight-up 80% from beginning to end.

This is not as bad as many people tend to think when they first see it. The major difference comes when an individual moves from a traditional employer plan to the Medicare Part D drug plan.

Strategically Schedule Certain Procedures

Yu should compare all of your expenses from your employer coverage with your new Medicare coverage to learn exactly what types of coverage you have. For instance, some people end up with much better hospitalization coverage with Medicare. This might cause you to look for a new place to get the next elective surgery.

On the other hand, if your employer provides really amazing coverage then you might want to get those elective procedures out of the way before moving over to Medicare.

Wellness Features are Likely Different

Wellness features are probably going to be much different when you swap over to your new Medicare plan. There are a ton of free wellness services offered by Medicare. Even though some traditional employer plans do offer wellness services, Medicare of usually superior on this regard. It’s usually designed to entice individuals to get their screenings in order to prevent health complications.

Medicare also tends to provide better coverage for in-person visits while commercial programs tend to lean more towards offering telephone advice. You should make sure that you compare both plans to see what new wellness services you have access to.

Swapping over to Medicare can be quite intimidating but hopefully you are better prepared now. Just remember that if you need help, then don’t be afraid to ask someone who has been through the process.

If for some reason your application is denied, here are some additional steps you can take.

6 Tips you Must Follow When Enrolling in Medicare

By |2018-10-16T18:40:42+00:00February 3rd, 2019|Categories: Blog and News, NHIA Blog|Tags: |

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In most cases, Medicare enrollment is open between October and December. The problem is that Medicare is a huge winding maze of uncertainty. It confuses most people to the point where they are just making their best guess as to what their next step is. So I am going to provide you with several tips that you must follow when enrolling in Medicare.

Let’s start off with two essential facts:

  1. Everyone who signs up is going to go through the Social Security Administration. That is the agency where you will direct all questions and complete the actual registration.
  2. If you are already receiving Social Security benefits before you turn 65, you’re not going to have to do anything at all. You will automatically be registered for Medicare Part A. Then you will be transferred to Medicare Part B at the start of your 65th birthday month.

Now let’s move onto to some tips to help you through this stressful time.

Start Early!

This is not an area where you should procrastinate. Begin the application process as soon as possible. You should start applying at least three months before your 65th birthday. Visit your Social Security office or sign up online. No matter what you choose, it’s important that you start now.

Understand the Different Types of Medicare

Study each plan carefully and try to get a clear understanding of all available plans. Here is a quick look at each Medicare plan:

  • Plan A covers medical facilities
  • Plan B covers medical Facilities
  • Plan C mimics private insurance plans and serves as an alternative to Plan A or Plan B.
  • Plan D is a prescription drug plan and used to supplement gaps in coverage.

You also need to start getting used to the language used in Medicare so that you are able to make better choices.

Get Research Assistance

You should get someone to assist in your research if you are having trouble. A trusted family member or friend can be a valuable aid. This is especially true if they have already dealt with issues related to Medicare. They are an amazing resource if you are confused or intimidated by the overall process.

Call the Social Security Office

Don’t be afraid to contact your local Social Security office if you have any questions. If there is anything you don’t understand, then they should be able to help. Do not sign or agree to anything without fully understanding it. Keep asking questions and stay on the line until all of your questions have been answered.

Call at the Right Time to Avoid Delays

Choose the right time to call and you will avoid long delays. Avoid calling anytime close to the first of the month or early in the morning on Monday or Friday. The best time to call is between Tuesday and Thursday.

Try Not to Get Stressed

Applying for coverage is not as scary as many people tend to believe. Sure, there is a lot of bureaucracy around it and the terminology can be confusing, but there are people who are willing to help. It’s a logical and precise system once you get the basics down. Don’t let it stress you out.

Head-Scratching Health Insurance Misconceptions

By |2018-10-16T18:39:20+00:00January 27th, 2019|Categories: Blog and News, NHIA Blog|Tags: , |

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Health insurance is a topic that often comes with a lot of misconceptions. Did you know that 80% of Americans do not know what basic health insurance terms and the basics of their policy? For instance, there are a number of areas where policy holders can save money that they are unaware of. It’s really shocking! In fact, most of these individuals have fallen victims to a number of head-scratching misconceptions. That’s what this post is going to address. Don’t allow yourself to be ignorant of the most common misconceptions.

I won’t get healthcare services until my deductible has been paid.

This is definitely not the case but I can understand where the misconception comes from. With home and auto insurance, policy holders are often required to pay their deductible before the insurance company will pay the claim. Health insurance follows a completely different set of rules. While you will have to pay your deductible before your insurance will pay for a lot of services, you will still get access to a lot of preventive services before you meet your deductible. Some examples include:

  • Blood pressure screening
  • Blood work for cholesterol
  • Women’s health screenings
  • Immunizations

Premiums for health insurance are unaffordable.

A lot of people fail to explore the depths of their health insurance because they don’t think that it’s affordable for them. However, there are laws in place that allow most people to find affordable health care. Individuals who don’t earn enough to afford high insurance premiums could potentially qualify for Medicare. There are a lot of new laws that have creates a gateway that allows low income families access to health care. The point is that if you do your homework, you can very likely find a plan that falls within your income level. Of course, the regulations surrounding healthcare are constantly changing as politicians use it as leverage for so many other policies so you need to keep an eye on it.

Deductibles will require me to pay huge out of pocket expenses.

Your deductible is a set amount of money that you must pay every year out of pocket. It resets every year so it’s true that insurance does come with some additional costs other than the premium. Copayments are required to be paid at the time we receive the service. Laws are currently changing that limit the amount of out-of-pocket expenses that must be paid so you need to research this. The fact is that this statement is not entirely true and the amount you pay will usually be substantially less than the overall expenses.

My insurance covers my no matter where I get medical services.

False! You must do your homework here because your insurance has a specific network in which you can receive full benefits. Most policies will encourage its members to use these services by making members pay more when they use out-of-network healthcare services. What makes this even more confusing is that the network might be different depending on the plan you choose. Make sure you carefully review your policy.

Don’t fall prey to these misconceptions. Make sure that you understand the facts before choosing your health insurance policy.

Health Insurance Knowledge for Young Adults

By |2018-10-16T18:37:43+00:00January 20th, 2019|Categories: Blog and News, NHIA Blog|Tags: , |

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Young adults who are just starting out on life – making their first car payment and paying rent – tend to quickly find out that life is not as easy as they believed it to be. In fact, a recent survey found that young adults believe that health insurance is too expensive. It’s a brand new issue that is unique so it can quickly become overwhelming.

Fortunately, there are services that can help young adults sort their way through this process. It’s time to drop some knowledge on you guys so that you can be equipped to find the best insurance possible.

Did you just graduate college? Are you finally setting out on your own? In either case, being taken off of your parent’s health insurance plan can be intimidating to say the least. Dealing with getting your own insurance often leads to a lot of stress and headaches. Here are some tips to make it easier.

Always Check a Plan’s Network

All insurance plans have a network of pre-approved healthcare providers who are going to easily accept that company’s health insurance. When you have to go out of pocket, then it’s going to cost you more money. You could even end up paying for services on your own. Now that you’re on your own, you need to make sure that the plan you choose has plenty of providers in your local area.

Understand the Laws that Surround Health Insurance

Understand all of the laws that surround your coverage. It’s really troubling at how many young adults do not understand the laws surrounding health insurance. Even though the tax penalty for not carrying insurance was repealed in 2017, this appeal does not go into effect until 2019. So make sure that you are covered so you don’t face this fine.

Understand Subsidies

Once you determine how much you are going to get in government subsidies to help you pay for your health insurance, it will help you decide what type of coverage to get. You can find a number of different types of plans – catastrophic, short term, and even ACA-compliant plans are all available. Since these plans all tend to work in the favor of healthy, young individuals, you might be better off to carry these rather than a full insurance policy.

Special Enrollment Periods can Be a Huge Advantage

There is an annual enrollment period where you will be able to sign up for an individual insurance policy. This is usually around November. Outside of this period of time, you won’t be able to enroll in a self-bought insurance plan unless there is some kind of qualifying incident. In short, the only exception to this enrollment period is people who are getting married, have a child, or move to a new coverage area. In those cases, there is a 60-day window.

The Bottom Line

If you are a young adult, don’t fall prey to the train of thought “I’m young and healthy do why should I waste money on this?” Preventative care is important for people of all ages. Accidents happen so make sure you’re covered in the event that it happens to you!

8 Reasons to Get your Flu Shot this Year

By |2018-10-16T18:36:35+00:00January 10th, 2019|Categories: Blog and News, NHIA Blog|Tags: |

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It’s getting that time of year again – time to start planning for that flu shot. What? You’re not thinking about skipping it this year, are you? Here are 8 reasons why you should not make that mistake.

#1: It Saves Lives

The flu is actually quite common. Sometimes it passes but other times it could leave you in the hospital. Influenza can cause problems like dehydration, pneumonia, and other infections. There are over 200,000 every year who are hospitalized due to the flu and even rare cases where influenza leads to death.

#2: You won’t Miss as Much Work

Even if you catch influenza and are not hospitalized, you will still have to recuperate. That means you will miss work and potentially lose money. This can be avoided by getting your flu shot.

#3: You Are Definitely Eligible

The Center for Disease Control has made it clear who is supposed to get a flu shot. Anyone who is over six months of age should get an annual flu shot. So you do not have to worry about whether or not you are eligible. While there are a few exceptions, this is almost always true.

#4: There is a Needleless Version Available

If you are scared of needles then you’ll be pleased to know that there is a needleless version available! If you are between the ages of 2 and 49, then there is a nasal spray that can be taken as long as you are not pregnant and are asthma-free. There is also another version with a very small needle. Technically it’s not needleless, but the needle is so small that it won’t hurt at all.

#5: People Over 65 Have a Specialized Flu Shot

There is a specific flu shot for individuals over 65. It provides a higher level of protection since these people will have compromised immune systems. So if you are over 65, then you will get your very own specialized flu shot!

#6: You Will Not Catch the Flu from the Flu Vaccination

 

Catching the flu is one of many common myths surrounding the flu vaccination and it is completely untrue. You are given a dead virus that will not cause you to catch influenza. So don’t fall prey to this rumor.

#7: The Flu Vaccine Changes Every Year

Every year before flu season begins, the CDC will determine which strain of influenza is most likely to show up and will provide a vaccination accordingly. The vaccine will reduce your chances of contracting certain strains and even if you do get sick, the symptoms will not be as severe.

#8: Stay Healthier by Getting the Vaccine As Soon As Possible

Flu season will usually start sometime in October and will continue well into May. So it’s essential that you get vaccinated as quickly as possible to avoid catching this nasty bug. We all used to wait until later in the year to receive the vaccine but now it’s so variable that the CDC encourages people to get it as quickly as possible. It takes two weeks for the flu shot to take effect.

This Is A Custom Widget

This Sliding Bar can be switched on or off in theme options, and can take any widget you throw at it or even fill it with your custom HTML Code. Its perfect for grabbing the attention of your viewers. Choose between 1, 2, 3 or 4 columns, set the background color, widget divider color, activate transparency, a top border or fully disable it on desktop and mobile.

This Is A Custom Widget

This Sliding Bar can be switched on or off in theme options, and can take any widget you throw at it or even fill it with your custom HTML Code. Its perfect for grabbing the attention of your viewers. Choose between 1, 2, 3 or 4 columns, set the background color, widget divider color, activate transparency, a top border or fully disable it on desktop and mobile.
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