Carla Houston

Experiencing a health emergency like an injury from a fall, or even a heart attack, typically occurs unexpectedly. While these and many other acute conditions only last for a short period of time, the road to recovery may require additional assistance like in-home care. The good news is that Medicare can provide home health care (HHC) services to help you recover. Home health care is meant to provide health services and equipment to individuals while they are homebound. Unfortunately, Medicare does not cover custodial care, or long-term care, often required for those diagnosed with Alzheimer’s, cancer, and many other conditions. There are programs available that provide long-term care and assist with the cost. 1. To qualify for home health care, you must meet the following criteria: Be considered “homebound,” based on the Centers for Medicare & Medicaid (CMS) criteria, Require skilled ca...

What is Life Insurance? Some Major Statistic about Life Insurance Industry The United State of America will still play an important role which cannot be ignored. Any changes from United States might affect the development trend of Life Insurance globally. 2020 Life Insurance Trends in Europe Check Some Key Providers in the Life Insurance x What are the key global trends in the life insurance industry in 2020? What do you insurers and policy holders need to know about the disruption that is about to happen in the insurance field? How about challenges ahead? The insurance industry is a major component of the world economy. Most importantly is the effect it has on the United States of America’s economy by virtue of the amount of premiums it collects, the scale of its investment and, more fundamentally, the social and economic role it plays by covering personal and business risks. A key part of the insurance industry is the life insurance which is ve...

The number 1 cause of death for people age 65 and older in the United States is heart disease. While strides are being made in health care to reduce the number of people affected, it’s still not enough. Some of the most important things individuals can do to reduce their risk of heart disease is getting adequate exercise every week and taking advantage of your Medicare preventive benefits. February is American Heart Month, so we’ve created a list of easy to do practices for you to reduce your risk for heart disease and live long and healthy lives. 1. Heart Disease Screenings If you have Medicare you can receive a free cardiovascular heart disease screening annually, though you may need to a pay a copay depending on your coverage. Heart disease screenings check your blood pressure and cholesterol to ensure you are not at risk for a stroke or heart disease. During the screening, your doctor may provide you with tips and resources t...

Current scenario of OPD Insurance :  OPD Insurance covers those expenses which are incurred on an outpatient basis and do not involve Hospitalization. They include Doctor’s consultation fees, cost of Medicines, Lab Tests, some dental treatments, etc. According to data furnished by the Insurance Regulatory and Development Authority (IRDA), India’s out-of-pocket expense on health insurance is 62%.  Its a considerable high figure and t he reason is the high Out-Patient Department (OPD) expenses. While health insurance plans cover costs incurred for  in-patient hospitalization, coverage for OPD expenses is limited in nature. In fact,  In many plans, you are forced to bear the OPD expenses yourself as they have excluded the OPD coverage. Majority of health insurance plans do not cover OPD expenses. Some of them which do provide cover has a limited coverage .  OPD expenses are either covered up to 5% to 10% of the sum insured or up to...

Who doesn’t like something extra which provides a value-added benefit? In a term insurance plan, there are extra coverage benefits which you can opt and make your cover more comprehensive. Do you know about such extra benefits? They are called riders. If you are looking for a term insurance plan, you would come across the word ‘rider’ in many plans. Most of you don’t understand the meaning of the word and so avoid opting for the available riders. This is a mistake. Riders provide you with a better scope of coverage and make your plan comprehensive. Let’s understand what riders are and how they prove beneficial – What is a rider?  Some salient features of riders A rider can be added either when buying the term insurance plan or at any renewal. Similarly, once bought, you can opt out of the rider at any policy renewal. An additional premium is payable for each rider that you choose to add to the plan Riders have no maturity value. If the rider is not utilised during...

Successful healthy workplace initiatives depend on employee participation, but when programs are first integrated into the workplace, it can be hard to get people on board.  A lot of employees won’t be willing to sacrifice their free time to join a work running group or a similar program. One way to combat this is to foster a workplace wellness group that does its activity during the workday. As an employer, you can encourage this type of activity by adjusting certain policies. This will communicate to employees that you want to help them improve their health. Adjustments to Foster Workplace Wellness Business leaders can take steps to promote a healthy workplace by offering enough flexibility for employees to take part in healthy initiatives. If you operate a business that has room for leeway in worker hours, there are a few ways to open up time during the day for working out: Flexible work hours.  Adopting flextime policies provides opportunities for emplo...