Blue Cross Members Get Discounts on Crescent City Classic 10k

logoBlue Cross and Blue Shield of Louisiana and HMO Louisiana members can use the code BCBSmember to get $5 off the registration fee for the 39th Annual Allstate Sugar Bowl Crescent City Classic 10k.

The Allstate Sugar Bowl Crescent City Classic 10k road race is held in New Orleans on the Saturday before Easter Sunday each year.  The Classic is locally produced by the Crescent City Fitness Foundation, and is a great way to get in shape while having fun!  Both runners and walkers of all abilities are invited to participate in the race.

The 10-kilometer course (6.2 miles) begins in Downtown New Orleans in front of the Mercedes-Benz Superdome, runs participants through the French Quarter, and then all the way up beautiful Esplanade Avenue to New Orleans City Park.

Saturday, April 15, 2017 – 8:00 am
BCBS Member discount: BCBSmember for $5 off

To register and for more information, visit http://www.ccc10k.com/crescent-city-classic-10k.

 


Oral health is linked to overall health

Many people don’t understand just how important our oral health is to our overall health. Preventative dental care is about more than clean white teeth, fresh breath and cavity prevention. Dentists’ area of expertise goes beyond just teeth and gums. Dentists are trained to recognize any abnormalities or warning signs in your:

  • Head, neck and jaw muscles
  • Tongue
  • Salivary glands
  • Nervous system of the head and neck

Additionally, dentists can detect symptoms of diseases that manifest in the mouth but affect your whole body.

How oral health is linked to overall health

Research has shown correlations between poor oral health and numerous diseases, including:

  • Heart disease: Medical studies have shown that oral bacteria can enter your bloodstream and cause your arteries to harden and thicken, obstructing blood flow and setting the stage for a heart attack or stroke. Additionally, the bacteria can cause inflammation or infection of the heart.
  • Respiratory infections: Bacteria from gum disease can enter your lungs, which may lead to infections such as bronchitis and pneumonia.
  • Diabetic complications: Some studies have established a connection between gum disease and insulin resistance indicating that poor oral health can create challenges in managing blood sugar levels.

As a result of these and other mouth-body correlations, the American Dental Association reports that the “World Health Organization has integrated oral health into its chronic disease prevention efforts.”

Practicing good oral health

Having good oral hygiene is vital to your overall quality of life. Your oral health impacts your employ ability, social life, self-esteem and, as pointed out above, your health.Now, let’s talk about what having good oral health means.

  • See a dentist regularly for cleanings and exams:  Your dentist can perform a much deeper and more thorough cleaning than you can.
  • Brush twice a day for two minutes each time: Use fluoride toothpaste and a soft-bristled brush to clean your teeth and tongue.
  • Floss daily: Plaque and food debris like to hideout between teeth, so be sure to floss between every tooth. If you can’t or won’t floss, clean between your teeth carefully. Ask your dental hygienist for tips.
  • Avoid cigarettes and tobacco products: Kick these known cancer-causing products to the curb.
  • Eat a well-balanced diet: Limit intake of sugars and acidy drinks/foods as they can contribute to tooth decay. Rinse your mouth with water when you choose to indulge in any of these items.

Importance of dental coverage

If you don’t have dental insurance, get it. You’ll be more likely to go to the dentist if you have dental coverage.

Importance of oral health

It’s time we start viewing oral health differently and realizing the impact it has on our general wellbeing. If you haven’t seen your dentist in the last six months, schedule a dental checkup. Also, make sure you put the dental care tips we talked about above into practice now. A little preventative care can go a long way.

 

Call or email us for a dental quote today!

tori@insurancelady.com

(225) 622-6554

2017 Individual Open Enrollment

LET’S GET READY

Schedule your appointment today

EVERYONE needs to schedule a phone call appointment to re-enroll for 2017 coverage.

The only exceptions are:

  • Medicare Supplement plan holders and
  • Individuals with grandfathered plans

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THE COUNTDOWN HAS BEGUN

OPEN ENROLLMENT BEGINS TOMORROW! Our office is gearing up for the 2017 Open Enrollment season and we need you to get ready as well! Here are a few changes that you will see in 2017:

  • Blue Cross will move to a closed RX formulary, meaning some prescriptions simply will not be covered. On RX copay plans, members will have a generic RX copay but pay a coinsurance for all covered brand and non-preferred brand RX.
  • United Healthcare will not be an option for 2017. If you are currently enrolled with United Healthcare we will help you choose a new insurance company during our phone call.
  • Humana is discontinuing some of their individual plans for 2017. Watch for a letter about a specific plan design.
  • Vantage will remain an option on and off the Marketplace.

BE PREPARED

Here are a few things we will need you to have prepared for our phone call:

  • 2017 estimated household income. Make sure to include every person that is on your tax return.
  • Who will you claim on your 2017 tax return?
  • Married? As a reminder, you must file a joint tax return with your spouse.
  • Does your employer or your spouse’s employer offer group health insurance? If so, what is the cost for the employee only coverage?
  • Does your income fall between 138% and 400% of the FPL according to your tax size household?

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Let’s Set a Date!

Our time frame is super short this year, so we are setting appointments NOW. We have between November 1st and December 14th to make changes that will go into effect January 1st.

So… let’s set a date.

Please click the link above or call our office to schedule your appointment TODAY!

(225) 622-6554

Appointments will be scheduled every 30 minutes so we’ve got to talk fast and make a decision quick. Being prepared is a MUST this year!

We are happy and honored that you continue to choose us as your insurance broker. We strive to give you the best possible service before, during and after the enrollment. We love our clients and hope to make this enrollment season super easy for you.

Please show us plenty of grace and mercy as we help you, our valued clients, with this nearly impossible task of re-enrolling over 1,000 clients in 6 weeks. Have you done the math? Yeah… That’s 45 clients per day including Saturday and Sunday. Oh my…

Team #NoDaysOff #WeLoveOurClients

Trish Freeman, The Insurance Lady

(225) 622-6554

trish@insurancelady.com

Blue Cross 2017 Pharmacy Benefit Changes

Guide to Changes in Drug Coverage for Fully Insured Members in 2017

In 2017, Blue Cross and Blue Shield of Louisiana will implement a closed formulary for non-grandfathered individual and non-grandfathered small group (2-50) plans and make annual formulary updates to drug coverage for all other members.

New covered drug list:

Affected Members: non-grandfathered individuals and non-grandfathered small group plans

Today, the Blue Cross formulary is open for all members. This means Blue Cross cover all contract-eligible prescription drugs at different cost-share levels. Starting Jan. 1, 2017, drug lists for non-grandfathered individual and non- grandfathered small group (2-50) plans will be closed. This means Blue Cross will not cover every drug, only those on the list. Continue reading “Blue Cross 2017 Pharmacy Benefit Changes”

Louisiana Marathon Discount

Blue Cross and HMO Louisiana members can use the code BCBSLA to get 20% off the registration fee for the 2017 Louisiana Marathon and its shorter distance races.

The Louisiana Marathon is a nationally recognized, three-day running festival that has a race for everyone. There will be a kids’ marathon, 5K, half marathon and full marathon. It will be held January 13-15, 2017.

To sign up or learn more visit thelouisianamarathon.com or follow the Louisiana Marathon on Facebook or Twitter @thelamarathon

 

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Changes Happening to the 2017 Humana Drug Lists

Starting January 1, 2017,* some of the medicines covered by Humana’s prescription drug plan may change. 

What do these changes mean? Some medicines will have new requirements. (Specific state regulations may apply.) These requirements include:

  • Prior Authorization: The member’s doctor must contact Humana to get approval before he or she fills or refills a prescription for any medicine that requires prior authorization. His or her plan benefits won’t cover this medicine without prior authorization, and he or she will pay the entire cost of the medicine if he or she decides to buy it.
  • Step Therapy: Sometimes there’s more than one medicine that works to treat a health condition. Some medicines may cost less but work just as well. Before a prescription is filled for a medicine that costs more, the member may be asked to try at least one other medicine first.

If the member’s doctor thinks the other medicine isn’t right for him or her, he or she will need to request approval from Humana to use the medicine that costs more. His or her plan benefits won’t cover this medicine without approval, and he or she will pay the entire cost of the medicine if he or she decides to buy it.

  • Quantity Limits: A member has a limit on the amount of some medicines he or she can fill during a period of time. These limits can be placed on some drugs because of safety concerns and help prevent misuse of these drugs. If the member’s prescription is over the limit, there are two choices:He or she can get the amount of medicine that’s covered by his or her plan benefits and then pay out of pocket for any medicine that’s over the limit.

OR If his or her doctor thinks more medicine is needed, he or she can ask for approval from Humana for the amount of medicine that goes over the limit.

  • Tier Changes: The member’s medicine(s) is grouped into different tiers. For each tier, he or she will pay a different amount. If a member fills or refills a prescription for a medicine that’s moving to a different tier, he or she may have to pay more or less.
  • Not Covered: Starting January 1, 2017,* some medicine(s) will no longer be on the member’s Drug List. If a member fills or refills a prescription for any medicine that isn’t covered under his or her benefit plan, he or she will have to pay the full cost of the prescription.

The member’s doctor can ask Humana to make an exception to cover his or her drug if it’s not on our Drug List. Generally, Humana will only approve a request for an exception if the alternative covered drugs wouldn’t be as effective in treating his or her health condition and/or would cause adverse medical effects. To ask for an exception, the doctor can contact HCPR at 1-800-555-2546 between 8 a.m. – 6 p.m., Monday – Friday.

Why is Humana making these changes? 
Humana reviews and updates the Drug List to help ensure safety and offer cost-effective choices for drug benefits. Updates to the drug list can happen when medicines have changes in dosing and prescribing guidelines. The selection of available medicines may also change. This can happen when a drug is removed from the market by the Food and Drug Administration (FDA) or a drug’s manufacturer, or a new drug becomes available and is added to the drug list.

Next steps
Visit Humana.com/Druglist after October 15, 2016 to review the latest Drug Lists and changes in 2017. If you have questions, please contact your Humana Sales Representative.

Humana clients and their employees will receive notification from us explaining these changes.

*For Texas, Louisiana, and Puerto Rico Fully Insured groups, these changes start on each group’s renewal date in 2017