January Newsletter

January 1, 2019

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Hello Friends,

We hope you have had a wonderful holiday season! Now, it is January and that time when many of us reassess our busy lives and think about what we want to accomplish or do to balance our lives during the next year. With that in mind, we want to make sure you have health coverage!

Keystone Advisors has provided years of life and health insurance advice to thousands of families nationwide. We are proud to say that every day, we guide individuals, families, and employers to find peace of mind when it comes to their health, life, and other insurance needs.

Throughout the enrollment process and post-enrollment, you will have a personal contact to assist with questions, claims, or concerns, should any arise. Our enrollment specialists are here to assist you with plan and cost reviews. We are here to ensure your informed on cost savings and competitive benefits on health plan options best suited to you and your family. We provide you with all insurance needs in one simple location. Our Services are customizable to individuals, families, and employer:
  • Health Insurance
  • Medicare Insurance
  • Life Insurance
  • Dental & Vision Insurance
  • Disability Insurance
  • Final Expense Plans
  • Critical Insurance
  • Travel Insurance
You can now find us at:
Dallas Location
5495 Belt Line Rd., Suite 150, Dallas, TX 75254
Phone: 866-469-4921
Houston Location
10700 Richmond Ave, Suite 224, Houston, TX 77042
Phone: 866-469-4921
Albuquerque Location
1330 San Pedro Dr. NE, Suite 102, Albuquerque, NM 87110
Phone: 866-469-4921
Hours
Monday-Thursday: 8 a.m. – 5:00 p.m. (walk-in service available)
Friday: 8 a.m. – 12 p.m.
Our offices will be closed in observance of the following holidays:
1/1/2019 – New Years Day
1/21/2019 – Martin Luther King Jr Day

January: Thyroid Awareness Month

The thyroid gland is a small, butterfly-shaped gland located at the base of the neck that helps control the function of many of the body’s organs and helps to set the metabolism. According to the Cleveland Clinic Foundation, approximately 20 million Americans have some form of thyroid disease and an estimated 12 percent of the population will develop a thyroid condition in their lifetime.

Fortunately, the American Journal of Medicine reports that early detection of a thyroid disorder is as cost-effective as early detection of common chronic conditions. In honor of Thyroid Awareness Month, take some time to become familiar with the most common risk factors, which include the following:

Being female—Women are five to eight times more likely to suffer from a thyroid disorder than men are.

Age—The Thyroid Foundation of America recommends that women get annual thyroid hormone level tests yearly starting at age 50 and that men should get yearly tests beginning at age 60.

A family history—If thyroid disease runs in the family, testing every five years after age 35 is recommended.

Pregnancy—Thyroid conditions can arise after giving birth.

Those with a high risk of developing a thyroid disorder should speak with their doctor. Call us today at 866-469-4921 to find a doctor in your network.

3 Steps to an Injury-free Workout

Exercise is a great way to combat stress, lose weight and boost energy. To get the most from your workouts, you should add warming up, cooling down and stretching to your routine. These three simple steps are proven to help prevent painful and costly injuries.
  1. Warming Up Warming up allows your body time to adjust from rest to activity. Always remember to gradually increase the intensity of your warmup to reduce stress on your bones, muscles and heart.
  2. Cooling Down As with warming up, cooling down should include movements similar to those in your workout, but at a gradually decreasing level of intensity.
  3. Stretching After cooling down, stretching helps to build flexibility and range of motion. When stretching, follow the guidelines below:
  • Use gentle and fluid movements and breathe normally.
  • Never force a joint beyond its normal range of motion; you should not feel any pain.


Why you feel tired all the time?

Do you often ask yourself, “Why am I so tired all the time?” If so, this article may be the perfect read for you; we have compiled a list of some of the most common reasons for tiredness and what you can do to bounce back into action.

According to the Centers for Disease Control and Prevention (CDC), around 15.3 percent of women and 10.1 percent of men regularly feel very tired or exhausted in the United States.Tiredness can cause an array of problems. Medical News Today have researched the possible explanations for why you could be feeling so drained and the steps that you can take to feel re-energized.

1. Lack of sleep

A lack of sleep may seem an obvious reason for feeling tired, yet 1 in 3 U.S. adults are consistently not getting enough of it. People aged between 18 and 60 years need 7 or more hours of sleep every day to promote optimal health, according to The American Academy of Sleep Medicine and the Sleep Research Society.

Getting under the recommended hours of sleep each night is not only associated with fatigue, impaired performance, and a greater risk of accidents, but it also has adverse health outcomes. These include obesityhigh blood pressuredepressionheart diseasestroke, and an increased risk of death.

2. Poor diet

The easiest way to banish tiredness is to make adjustments to your diet. Eating a healthful and balanced diet can make the world of difference to how you feel.

To improve your health and get all the nutrients you need — as well as eliminate fatigue — it is vital to choose a healthful mix of food from the five food groups, which are: fruits, vegetables, grains, protein, and dairy. You can switch up your eating style today by implementing some of these small changes:

  • Eat the right amount of calories for your sex, age, weight, and activity level. Eating either too much or too little can make you feel sluggish.
  • Fill half of your plate with fruits and vegetables. Be sure to focus on eating whole fruits and a selection of vegetables.
  • Ensure whole grains make up half the grains you consume. Examples of whole grains include brown rice, oatmeal, whole cornmeal, bulgur, and whole-wheat flour.
  • Shift to low-fat and fat-free dairy to help limit your calories from saturated fats.
  • Vary your protein routine. Try to choose lean poultry and meat, limit processed meats, choose unsalted nuts and seeds, and select some omega-3-rich seafood.
  • Cut down on sugar. Sugar can give you a quick rush of energy, but it wears off fast and might make you feel more tired. Avoid foods and drinks that have lots of added sugar.
  • Never skip breakfast. Regularly skipping breakfast can lead to you missing out on key nutrients and the energy that you need to kick-start your day.
  • Eat at regular intervals. Sustain your energy levels by eating three meals per day and limiting unhealthful snacks.
  • Drink enough water. Drinking water can help to prevent dehydration, which results in fatigue, unclear thinking, mood changes, overheating, and constipation.

3. Sedentary lifestyle

When tiredness sets in, sitting on the couch and relaxing could seem to be the only answer. But getting up and moving may be the best thing you can do to re-energize and eradicate fatigue. Research by the University of Georgia (UGA) in Athens discovered that compared with sitting quietly, one single bout of moderate-intensity exercise lasting for at least 20 minutes helped to boost energy. An earlier study by UGA also found that when sedentary individuals completed an exercise program regularly, their fatigue improved compared with those who did not.

The U.S. Department of Health and Human Services Physical Activity Guidelines for Americans suggest that all adults need 2 hours and 30 minutes of moderate-intensity exercise per week and muscle-strengthening activities that work all the major muscle groups on 2 or more days per week.

This may seem to be a lot of time spent exercising, but you can spread out your activity across the week and, in total, it is just the amount of time that you might otherwise spend watching a movie. If you have not exercised for a while, start slowly. Begin with a brisk 10-minute walk each day and build up to walking fast for 30 minutes on 5 days per week. Brisk walking, water aerobics, riding a bike, playing tennis, and even pushing a lawnmower can all count toward your time spent doing moderate-intensity exercise.

4. Excessive stress

Many situations can cause stress. Work, financial problems, relationship issues, major life events, and upheavals such as moving house, unemployment, and bereavement — the list of potential stressors is never-ending. A little stress can be healthy and may actually make us more alert and able to perform better in tasks such as interviews, but stress is only a positive thing if it is short-lived. Excessive, prolonged stress can cause physical and emotional exhaustion and lead to illness.

Stress makes your body generate more of the “fight-or-flight” chemicals that are designed to prepare your body for an emergency. In situations such as an office environment where you can’t run away or fight, the chemicals that your body has produced to protect you can’t be used up and, over time, can damage your health. If the pressures that you face are making you feel overtired or giving you headachesmigraines, or tense muscles, don’t ignore these signals. Take some time out until you feel calmer, or try some of these tips.

  • Identify the source of stress. Until you can recognize what is causing you to create and maintain stress, you will be unable to control your stress levels.
  • Keep a stress journal to identify patterns and common themes.
  • Learn to say no. Never take on too much — be aware of your limits and stick to them.
  • Avoid those who stress you out. If there is someone in your life causing you a significant amount of stress, try to spend less time in their company.
  • Communicate your concerns. Learn to express your feelings and concerns instead of keeping them bottled up if something is bothering you.

5. Medical conditions

Some of the most common conditions that report fatigue as a key symptom include:

If you are concerned that you have a medical condition that is causing you to feel tired, arrange an appointment with your healthcare provider to discuss your worries as soon as possible.

If you have made lifestyle changes to do with your physical activity, diet, stress levels, and sleep but still feel tired all the time, there could be an underlying medical condition.


Post Enrollment Checklist

Now that your Marketplace enrollment is complete here’s what you should expect in the following weeks:

Welcome Letter from carrier: Should arrive 2 weeks after you make your initial binder payment

Summary of Benefits: Should arrive 2 weeks after you make your initial binder payment

Summary of Benefits: You have the option to print temporary card after 1st payment is made or it will be sent once your 1st payment is made.

1st Month Bill Due: Before start of coverage on the 1st of date of coverage month

To make your initial binder payment of if you have any questions regarding your benefits, you can contact the carrier directly with the phone numbers listed below.


Dental & Vision Coverage

Plans inside health insurance marketplaces must offer pediatric dental and vision coverage, however adult dental and vision are often excluded from traditional health plans. While a health insurance plan can aid in the cost of a broken arm or a skin infection, a chipped tooth or fading eyesight is left up to dental and vision insurance. We do offer separate dental and vision plans. Vision and dental insurance can come from different sources:

There are health insurance plans that include vision and/or dental benefits. These can be offered by an employer or purchased on your own.

There are separate, standalone plans for vision or dental benefits that can be used on top of a health insurance plan as a form of supplemental insurance. There are even dental and vision insurance “packages” that offer benefits for both.

Medicaid provides vision and dental benefits for children in all states. In some states, Medicaid also provides coverage for adults.

Many Medicare Advantage plans include vision and dental benefits for seniors.

Call us today 866-469-4921, an agent can assist you with more information on dental and vision plans.

Make your primary care physician your first choice

One way to help make health care easier for you is to have a primary care physician (PCP). That’s because your PCP serves as the central source for information and guidance on all matters of your health and is able to coordinate your care properly and focus on your overall well-being.

Depending on your age, gender and other needs, your PCP might practice internal medicine, family medicine, obstetrics and gynecology, or pediatrics. A PCP provides:

Better coordination of your care, which eliminates unnecessary visits and their associated costs

Improved communication between you and any specialists you might need to see

High-quality care focused on improving your long-term health, such as making sure you’re up-todate on preventive care

Unless you need emergency care, always call your PCP first to get advice and to check whether a same-day appointment is available. Other helpful and convenient services many doctor’s offices offer include:

Weekday evening and weekend office hours

After-hours care

Online patient portals

Most plan copayments for PCP visits are far less than a copayment for an urgent care or emergency room visit. Therefore, you’ll end up saving time and money by visiting your PCP.

Moving from a pediatrician to a PCP 
Usually, pediatricians will care for a child until the child turns 18. Some pediatricians may even continue to provide care to patients through college or until they turn 21, but this varies from doctor to doctor. If you have a child who is ready to switch to an adult PCP and you need help finding one, give us a call at 866-469-4921.


Helpful Tips – Preventive Care Benefits

Remember to use the FREE Preventive Service coverage available to maintain a healthy lifestyle. FREE Preventive Care Covers:

Annual checkups and wellness visits

Common vaccinations

Cholesterol and blood pressure screenings

Lung cancer screenings for high risk adults

See the full Preventive Care list here

Dental and Vision coverage is also available to consumers when enrolling in health coverage.

Teledoc allows you to receive care anytime from anywhere

Telemedicine and Telehealth medical services – and procedures – are covered under some carriers health care plans. If your health plan covers these services, you may get medical care from an in-network doctor or provider by mobile app, online video or phone.

If for some reason you can’t reach your primary care physician, Teledoc puts you in touch with a U.S. doctor 24/7, whether you are at home or away. By using this benefit, you can discuss common, non-emergency medical issues, such as cold and flu symptoms, bronchitis, allergies, poison ivy, pink eye, sinus problems, ear infections and more. In addition, if you have kids, Teledoc is the only telehealth provider with a national network of board certified pediatricians able to treat children ages 0–17.

Telehealth and telemedicine covered services depend on your health plan


You Missed Open Enrollment – Now What?

Don’t panic. If you missed open enrollment there are still options for you to get coverage.

Here are four tips to help you find the protection you need against unexpected medical costs this year.

1. Find out if you qualify for a special enrollment period
The most recent ACA Open Enrollment Period ended on December 15, 2018. A Special Enrollment Period (SEP) is a time outside of open enrollment in which your client can sign up for health coverage or apply for a different plan due to a qualifying life event. An SEP is available year-round for individuals who meet the criteria and apply within the event’s window (often, 60 days post event).  CMS validates SEP eligibility for life events including;

Adding a dependent due to marriage

Adding a dependent through adoption, foster care, child support or court order

Permanent move

Loss of minimum essential coverage

Medicaid/CHIP denial

Special Enrollment Period Rules:

Consumers using a qualifying event to enroll can use that specific event once. If they experience a new qualifying event, they qualify for a new SEP.

The premium payment for the first month of coverage for a qualified health plan must be paid for an application to effectuate.

Once consumers effectuate coverage for their SEP, they can’t change their coverage even if they’re within their SEP window (i.e., 60 days after the event).

2. Aliera
Aliera Healthcare created the best of two medical care programs to provide healthcare solutions designed to reduce out-of-pocket expenses and improve individuals’ and families’ healthcare experiences. Aliera’s program in conjunction with a Health Care Sharing Ministry (HCSM) Hospitalization and Surgery plans which provides members with one of the most flexible and cost-savings programs in the market today. The goal of our model of care is to achieve an optimal level of wellness and improve care while providing cost-effective, non-duplicative services.

Preventive and Primary Care are at the core of all AlieraCare Plans, and we consider them key to maintaining a healthy lifestyle. These include medical care services such as office visits, a variety of screenings, wellness guidance, in-office procedures, flu shots, and more. Below you can find the brochure with some of the plans offered.

Aliera Brochure

3. Short-term Health Insurance Plans
Short Term Insurance is a fast, flexible and affordable coverage that allows a smooth transition to a longer-term insurance. There are many reasons to pick a short-term insurance policy.

With short term options, you can get coverage as soon as you fill your application. It is the most flexible way to get immediate coverage in situations where long term options are momentarily not available. Short-term health insurance plans are a good choice if you don’t want to go completely uninsured while you’re between jobs or waiting for a new insurance policy to kick in, or if you missed the latest open enrollment period. These short-term health insurance plans are available all year long.
4. Find out if you qualify for small group coverage
Many people are surprised to learn that they qualify to enroll in a small business health plan. If you run your own business, work as a consultant or independent contractor, and have one or more employees who aren’t an immediate family member, you may be eligible for small group coverage.

If you qualify, you can enroll in a small business health plan outside of open enrollment. Small group plans are available at any time during the year and typically include benefits similar to those offered by larger employers, at a competitive price. In fact, small business health insurance coverage often costs less on a per-person basis than ACA coverage you can buy on your own.


Special Enrollment Period for Medicare

You can make changes to your Medicare Advantage and Medicare prescription drug coverage when certain events happen in your life, like if you move or you lose other insurance coverage. These chances to make changes are called Special Enrollment Periods (SEPs). Rules about when you can make changes and the type of changes you can make are different for each SEP.

You change where you live

You lose your current coverage

You have a chance to get other coverage

Your plan changes its contract with Medicare

If you’d like to review all your Medicare options or would like to know if you’re eligible for Medicare coverage, give us a call at 866-469-4921.

Keystone Advisors Group Products & Services

Our licensed agents provide support for employers and small businesses– from comparing plans to helping you enroll, and handling everything in between.

Specifically, we can help you:

Determine if your business is eligible for employer health insurance

Understand the Small Business Health Care Tax Credit

Free Employer health plan quotes

Apply for a group health plan

Review and compare plans and features

Help employees understand your coverage offer

Enroll in a plan

Manage and update your coverage after you’re enrolled

Handle renewals and plan changes

Group Products offered:

Medical – PPO, HMO, EPO and HSA

Dental

Vision

Life

Disability – Short Term and Long Term

Group Medicare

Payroll

We offer our clients an extensive line of insurance products that provide options for your business. We’ve brought together leading companies across the entire benefits spectrum, so we could give our clients a complete and competitive benefits package. Some carrier partners include:

Aetna

Baylor Scott & White

Blue Cross Blue Shield

Cigna

Humana

UnitedHealthcare

Not all plans are created equal. And not all businesses have the same needs either. With a variety of group coverage options, we have employer health insurance plans that work for companies of all sizes.

Keystone Advisors presents you with a wide range of plan options. We are prepared to find group insurance benefits that match your needs. We lay all options on the table and walk you through each health plan until we narrow it down to one that fits best.


Life Insurance

Facing the subject of life insurance is difficult, which is why most people put it off or avoid it entirely. But the reality is that someone close to you will suffer financially when you pass away. Whether it is a member of your close family – spouse, children, and aging parents – or people closely related to you, like business partners or employees. Forgoing the opportunity to prevent those closest to you the suffering of dealing with the hardships that come with such difficult situation is not a mistake you can fix once you are gone.The only chance you have to make sure they are well taken care of is to act while you still can do something about it.

What Kind Of Life Insurance Is Best For You? How Much Coverage Should You Get?

There are several considerations that come into play when choosing, and we make sure you are aware of them. The two primary considerations to have here are the length of the coverage and the budget you have available to cover it.
Knowing how long you need the insurance helps you decide if you need term insurance, which lasts for a specified period; or permanent insurance – which is a lifelong coverage. Both have their advantages and disadvantages.

Term insurance is perfect for temporary needs – such as making sure there is enough money to pay a mortgage – and more affordable than a permanent policy. On the flip side, once the period is over the cost to maintain it goes up considerably.

Permanent insurance has the benefit of having the premiums projected to remain level over a lifetime; they also accumulate a cash surrender value, which can be available if needed in case of an emergency or opportunities. The counterpart is that the permanent insurance premium is from three up to ten times higher for its equivalent amount of term insurance.

Call us today 866-469-4921, and agent can assist you with more information on life insurance plans.


Contact Us

866-469-4921
clientsupport@keystonema.com
www.keyhealthplans.com