Most people think of asthma as the bigger, meaner cousin of allergies, but there is more to the story.
Asthma is one of this country’s most common and costly diseases. Each year it causes almost 2 million emergency room visits. The direct costs, including hospital stays, are nearly $50.1 billion each year. The indirect costs, like lost pay from illness or death, add another $5.9 billion to the bill annually.
Want to know more about this disease and it’s effects of society? Check out the Asthma and Allergy Foundation of America.http://www.aafa.org/page/asthma-facts.aspx
Be Well. – Rose
First published on our Facebook Page www.facebook.com/RMbenefitsMD on 5/16/2016. Enjoy getting fun health and insurance tips? Like our Facebook page to stay up to date with our most current content
We have all heard someone say… “Oh, I have allergies.” But what does that really mean?
Allergies are actually a learned immune response. Basically, your body has learned to treat your trigger–for example, pollen–like a germ invading your body and so it launches an attack.
What to find out more and learn the science behind your misery? Check out this information from the National Institutes of Health.https://www.niaid.nih.gov/…/al…/Pages/allergic-Response.aspx
Be Well. – Rose
First published on our Facebook Page www.facebook.com/RMbenefitsMD on 5/9/2016. Enjoy getting fun health and insurance tips? Like our Facebook page to stay up to date with our most current content
Sometimes life changes are so sudden, or so big that you don’t even know where to start. Luckily, you don’t need to sweat the big stuff as long as you start the process quickly.
Most major life changes trigger a Special Enrollment Period, and it is not hard to report them. The trick is you need to start the process as soon as you can so that you don’t miss your window, or deadlines for coverage.
60 days – How long you have to report a life change. If you know something is coming up you can even report your change before it happens. If, for example, you know your divorce will go through on July 16th, and your coverage will end on July 31st, you can apply before July 15th and have no gap in coverage. The same thing applies to job changes.
The 15th of the month – The last day to apply for coverage starting the next month. For example, if you apply on May 15th your new plan can begin on June 1, but if you apply on May 20th you plan won’t begin until at least July 1.
90 days – The maximum amount of time you can go without coverage and get a waiver of the individual mandate penalty. “Rats, I missed the 15th now I am gonna get stuck paying the penalty.” Not necessarily, sometimes we can’t anticipate these life changes, and with the deadlines to apply, sometimes you just end up with a gap. There is a grace period written into the law to let people who got laid-off on the 27th to get their coverage squared away without having to pay the penalty. You will still want to take care of business as soon as possible to make sure your coverage gap isn’t too long, or you miss your window on your Special Enrollment Period.
Think you had a life change. Reach out to us today.
May is National Asthma and Allergy Awareness Month!
Unfortunately these diseases are very common. In fact Asthma affects 24 million Americans, and more than 50 million Americans have all types of allergies – pollen, skin, latex and more.
While there is no cure for asthma and allergies, many related deaths are preventable with proper treatment and care. So today’s topic is being proactive about your allergies.
The Asthma and Allergy Foundation of America (AAFA) and Teva Respiratory teamed up to do a fun website which includes a lot of useful information on how to get ahead of your allergies. And to help you along they are also giving away a Dyson vacuum. Check if out at http://www.allergiesarentfunny.com/
Be Well. – Rose
First published on our Facebook Page www.facebook.com/RMbenefitsMD on 5/2/2016. Enjoy getting fun health and insurance tips? Like our Facebook page to stay up to date with our most current content