middle aged man in hospital bed contemplating the future

Meeting Financial Obligations After Disability: What’s Your Plan?

Approximately 37 million Americans are considered disabled; of those 37 million people, more than 50% are still in their working years (age 18-64), according to the Council for Disability Awareness. Unfortunately, many workers never even consider the fact that they could face a temporary or permanent disability, let alone plan for such a situation. What kind of a situation would you be in if you were to become disabled and unable to work?

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professional african american holding jaw experiencing dental pain

5 Most Common Dental Problems And How To Avoid Them

According to American author William Arthur Ward, “A warm smile is the universal language of kindness.” Smiling is something we do instinctively as infants and something we carry with us all throughout our lives. Unfortunately for some, their smiles may not prove to be as warm and welcoming as they would hope. Problems such as gum disease, yellowed teeth, and chronic bad breath can have a negative impact when meeting new people and could be a sign of a deeper issue due to the close link between oral and overall health.

Many people learn the importance of oral hygiene at a young age. Those who don’t may face a variety of oral health problems down the road, some being scarier than others. So, what are some of the most common dental diseases?

  1. Bad Breath

While some cases of bad breath can be the result of eating foods like onions, garlic, or hard-boiled eggs, other cases may prove to be more serious. Bad breath, otherwise referred to as, Halitosis, may be something that even a good solid brushing won’t be able to fix. Halitosis can be a symptom of larger problems such as gum disease, infection, dry mouth, or even other seemingly unrelated issues like gastric reflux, diabetes, liver or kidney disease. In some instances, Halitosis may even require a trip to your doctor.

  1. Gum Disease

According to the Mayo Clinic, there are over 3 million cases of gum disease each year. And while gum disease, otherwise known as Periodontitis, may be common, that doesn’t make it any less serious. In fact, those with gum disease have a higher chance of developing diabetes, osteoporosis, heart disease and other ailments. In order to lessen your chances of developing gum disease, it is advised to practice good oral hygiene and schedule regular cleanings with your dentist, who may decide whether more preventative action is needed.

  1. Yellow Teeth

While not exactly a disease, yellow teeth can be a sign of poor oral hygiene and can, in some cases, indicate other dental issues that may be lurking just beneath the surface. Visiting the dentist once every six months for a thorough cleaning can help prevent yellowing teeth due to diet or lifestyle choices. In some severe cases, veneers may be recommended.

  1. Toothaches

A toothache should never be ignored. While some cases of a toothache may be related to minor inflammation, other cases could indicate the presence of gum disease, cavities, pulpitis, a broken tooth, or more. When confronted with a persistent toothache, the best course of action is to have a dentist find the underlying cause.

  1. Tooth Erosion

There are few substances within the human body that are stronger than our enamel. This is why everyone from our dentists to television commercials are constantly urging us to protect it — because once our enamel is gone, it cannot be brought back. The loss of enamel is referred to as tooth erosion. Soda, sugar, and some acidic foods can eat away at our enamel. In order to combat the chances of experiencing tooth erosion, brushing with a soft-bristled brush is suggested as well as reducing the number of acidic drinks consumed.

Taking Control of Your Oral Health

When was the last time you visited the dentist? Could you be at risk of developing one, or even all, of these potentially costly dental problems?

Members can secure dental and vision insurance coverage for the whole family. Visit https://amsa.memberbenefits.com/dentalvision/ to learn more about what our dental and vision insurance plans can do for you.

business man sitting at a cafe discussing his health options on his cell phone

I Missed Open Enrollment and Need Health Coverage — What Are My Options?

The next official ACA Open Enrollment period isn’t slated to begin until November 1, 2019. But depending on your circumstances, you may not have to wait that long to obtain coverage.

Qualifying Life Events and Special Enrollment Periods

Sometimes our circumstances change, and if they change due to specific events, you and your dependents may be able to secure health insurance through a Special Enrollment Period. When this occurs, it is called a Qualifying Life Event, otherwise referred to as a QLE.

There are several types of Qualifying Life Events that may grant you a Special Enrollment Period. Some of the most common examples include:

  • Loss of health coverage
    • Losing existing health coverage – including job-based, individual, and student plans
    • Losing eligibility for Medicare, Medicaid, or CHIP
    • Turning 26 and losing coverage through a parent’s plan
  • Changes in household size
    • Getting married or divorced
    • Having a baby or adopting a child
    • Death in the family
  • Changes in residence
    • Moving to a different ZIP code or county
    • A student moving to or from the place they attend school
    • A seasonal worker moving to or from the place they both live and work
    • Moving to or from a shelter or other transitional housing
  • Other qualifying events
    • Changes in your income that affect the coverage you qualify for
    • Gaining membership in a federally recognized tribe, or status as an Alaska Native Claims Settlement Act (ANCSA) Corporation shareholder
    • Becoming a U.S. citizen
    • Leaving incarceration (jail or prison)
    • AmeriCorps members starting or ending their service

Non-ACA Health Plans

Haven’t experienced a QLE but still need health coverage? A non-ACA health plan could be the answer. Also referred to as Short Term Medical Plans, recent legislative changes have loosened the restrictions surrounding these plans and have increased their appeal.

Previously, a Short-Term Medical plan could only provide coverage for up to 90 days. But due to recent regulatory changes, these plans can now be continued for up to a year.  Additionally, in some cases applicants may now renew their plan for up to three years.

Because Short-Term Medical Plans are considered non-ACA health plans, it is worth noting that they may not cover all that an ACA health plan would. For example, applicants could be denied coverage due to a pre-existing medical condition, maternity care may not be covered, and there could be an annual dollar limit on coverage. However, these plans are also typically less expensive than ACA plans and could be a good alternative for individuals seeking more affordable options.

Know Your Options

Do you think you may qualify for a Special Enrollment period? Are you interested in hearing more about non-ACA plans and if they may be the right fit for you? Our Benefits Counselors are always on hand to help answer your questions and guide you in the direction that will make the most sense for your unique needs.

Visit your association website to learn more about the Health Insurance offerings that may be available to you, or schedule an appointment with one of our licensed Benefits Counselors today.

young male with beard professional in an office wearing glasses working and focusing on laptop

Blue Blocker Lenses: Are They Worth The Hype?

As our bodies continue to age, it is understandable that we begin to experience more changes. And whether we like it or not, doctors and other medical specialists are here to help us make sure that our bodies are operating at the very best levels that they can and when they are not, doctors are the people we visit to find out why.

For example, declining eyesight is one of the most common and most easily diagnosable issues our bodies may encounter throughout our lives. Worsening eyesight is often associated with getting older and while there are a variety of reasons and levels of severity, ultimately poor eyesight is typically very treatable except in certain circumstances.

As a general rule of thumb, it is suggested that you should visit the eye doctor once every one to two years. Even if you don’t feel your eyesight has changed, an optometrist will be able to know for sure and make any adjustments to your eye prescription as necessary.

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mother with breast cancer smiling and hugging her young daughter

What You Should Know: Home Breast Cancer DNA Tests

In March of this year, ancestry DNA testing giant, 23andMe, announced that they would begin testing user DNA for Breast Cancer genes, more specifically identified as the BRCA1 and BRCA2 genes. While technically able to test for these genes for years, it wasn’t until this past March that the FDA officially signed off on it, therefore, making the 23andMe at-home DNA test, the first FDA-approved direct-to-consumer test to evaluate one’s potential risk for cancer.

What Can Your DNA Reveal

The test is offered as an add-on to 23andMe’s standard ancestry report for a total of $199 and is delivered alongside a variety of other reports designed to tell you if you possess certain genetic markers which may suggest a predisposition to things such as:

  • Macular Degeneration
  • Lung and/or Liver Disease
  • Celiac Disease
  • Hemochromatosis
  • Hereditary Thrombophilia
  • Alzheimer’s Disease
  • Parkinson’s, and many more
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Millennials with tech devices in front of them on a blue bench

Myopia and Millennials: The Trend No One Saw Coming

According to a Nielson Company audience report, it is estimated that the average American spends over 10 hours behind a screen consuming digital media and content. But is this much screen time actually helping us or hurting us?

As it happens, a number of studies have recently come out against the rapid increase in screen time for everyone from toddlers to senior citizens. In fact, some of these studies have shown a correlation between increased screen time and the following:

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mother and child practicing good dental hygiene in bathroom

The Cost Of Not Having Dental Insurance

If you and your family have been skipping trips to the dentist, you’re not alone. “For every adult without health insurance, an estimated three lack dental insurance” this comes according to a quote issued by the Kaiser Family Foundation based off of research conducted by the National Association of Dental Plans.

A Key Component Of Overall Health and Hygiene

But what so few realize is the close relationship between one’s oral health and their overall health. A person’s mouth is a haven for potentially harmful bacteria, regular flossing, brushing, and cleanings can keep the bacteria at bay but when a person is neglecting their teeth, the bacteria can build and lead to infections, tooth decay, and gum disease. From there, it is possible for the bacteria to enter the bloodstream and travel to other parts of the body leading to other serious problems.

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Young People Discussing Group Insurance Benefits with an agent

3 Benefits of Group Health Insurance For Employers

Group Health Insurance is usually provided by an employer and can cover just the employee or even the employee’s spouse and children.

Not providing group health coverage could be a major misstep for some companies regardless of size, as there are a number of benefits to providing Group Health Insurance coverage.

1. Lower Costs Than Individual Plans

There is no question that the term health care reform has been a hot-button topic and on the lips of nearly every politician regardless of political party over the course of the past 10 years. In light of the Affordable Care Act (ACA), it has now become more affordable to purchase Group Health Insurance than for your employees to purchase health insurance individually.

Level-funding insurance plan options have been growing in popularity over the past number years. Level-funded plans are ERISA compliant and may offer more flexibility for employers with virtually no risk and offered by several reputable insurance carriers with a nationwide network of hospitals and physicians to choose from.

What has many employers especially excited about these plans is the opportunity for 10%-15% in lower premium costs and the Return of Premium potential. Unlike other policies on the market, with level-funded options, if your employees don’t rack up a large number of claims throughout the year, your company may have a substantial amount of money (originally paid in premiums) returned.

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