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

Help for the Holidays

Do you know a family that needs help making Christmas happen for their children this year?

We want to help! Nominate a family by emailing us a letter HERE with the details or clicking the “nominate” button below. You can also make a donation to help sponsor a family in need this Christmas season.

We want to do something special this year and bless a family in need with Christmas gifts. The holidays can be a struggle, especially this year due to the recent flooding in our area.

Click “nominate” below and tell us about their situation, the names and ages of the family and a few things you know they might need.

You can also make a monetary or toy donation to help families in need and make even more wishes come true!

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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

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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5 tips for your first doctor visit

If you’re new to insurance or haven’t been to the doctor in a long time, here are some tips to help your visit go smoothly from check-in to claim:

  1. Get there early. Plan to get there early to fill out any forms. Tell the doctor’s office that this is your first visit.
  2. Bring your ID card. Show the front desk your new member ID card and use it to fill out any forms.
  3. Ask questions. Bring any questions you have so you won’t forget to ask them. Write down the answers and tips your doctor says to try, too.
  4. Know what you have to pay at the visit. Check your plan to see if you have a deductible, copay or coinsurance. If so, you will need to be ready to pay the doctor’s office.
  5. Check your EOB. After your visit, you will get an Explanation of Benefits (EOB) form that will tell you what your plan paid for your visit and what you may owe for any other care like tests or lab work your doctor asked you to have.

Continue reading “5 tips for your first doctor visit”