Bay Marketing Sarasota Health Insurance

Exercise for Folks Over 65

2009-09-21T11:21:00.005-04:00

As we get older our bodies become more fragile and we may feel like we don't have the strength or stamina to get out and exercise. However, even in the face of old age, it's important to get our bodies moving to preserve and improve our health. Some people over the age of 65 are just giving up, assuming that they'll never again see the good shape they were in during their younger years. The truth is, they are dead wrong!

As our bodies age, we do not recover from physical exertion as quickly as we once did. Do you remember how resilient you were when you were young? Perhaps you could run for miles, play tennis for hours, lift weights or even chop wood in your parents' backyard! Nowadays, many of those actions might seem unthinkable to you. Challenge yourself to revisit a more youthful state of mind. Sure, you may not be able to run a marathon, swing an ax, or pump iron like you once did, but there are many activities you can still perform to keep your body feeling young and healthy. As mentioned before, it takes a lot longer to recover from stress being placed on your body now than it used to. With that said, you simply have to increase your physical fitness level over time.

It's important to talk to your doctor first to make sure you're fit for the physical activities you wish to perform. Ask your doctor for help formulating or modifying your exercise regimen according to your needs. Remember, exercise will supplement the coverage provided in your Sarasota Florida health plan, keeping you healthier longer and thus keeping health care costs and insurance premiums to a minimum. If you don't have health coverage, stop what you're doing right now and contact a Florida health insurance agent to discuss your options for Sarasota health plans.

Good Exercises for People Over 65:

Walking - Walking is an excellent way of getting exercise for people of all ages. It can be as easy or as intense as you desire. Start by walking for about 15 minutes at a slow pace, and then slowly increase your walk time to 30 minutes and then up to an hour if you're motivated. Not only is walking easy, it also has relatively low impact.

Yoga - Stretch your physical AND mental muscles while at the same time learning great ways to relax, improve mental focus, and relieve stress. Yoga is recommended for all ages, and most yoga schools offer special modified classes just for seniors.

Swimming - Swimming is not only great exercise, it's fun! A simple, healthy way to relax, swimming strengthens the muscles, including the heart, and relieves the discomfort of back pain and swollen joints. Even severely handicapped individuals can benefit from the effects of swimming.

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Serving central and west coast Florida, Bay Marketing, a licensed independent contractor with Blue Cross Blue Shield of Florida, has been providing Sarasota insurance plan information for individuals and employers during the last twenty years. Many of their professional agents specialize in both individual and commercial health insurance for the florida business owner. Call 941-922-9000 / 800-329-1569 or contact Bay Marketing for an online individual and group insurance quote at Florida Health Plans Online.

Author Elliot Bigman.

Tips for Boosting Your Immune Health

2009-08-12T16:39:00.002-04:00

If you've begun weighing your options for Sarasota health plans, then you've already taken steps toward making sure you're getting the health coverage you need. Aside from becoming a Sarasota health insurance customer, there are numerous ways you can protect your immune health in a proactive effort to avoid having to seek medical help for health complications in the future. Building a strong immune system is a precursor to making sure you're protected from illness and disease caused by bacteria we encounter every day. Need some ideas for turbocharging your immune system? Read on.

Stock up on raw fruits and veggies for their vitamins, minerals, antioxidants, enzymes and fiber. Many vitamins, such as vitamin C, are antioxidants and will protect immune cells from damage caused by environmental toxins. Dark-colored fruits and veggies (broccoli, kale, seaweed, berries, etc.) tend to be higher in polyphenols, flavonoids, and other antioxidants. The nutritional content that you receive from raw fruits and veggies is unparalleled.

Lemons restore the acid-alkali balance in the body. Drinking freshly squeezed lemon juice in water, using it in baking or cooking, or adding it to tea and salad dressings helps maintain the body's internal climate at a pH that's supportive of healthy bacteria, as opposed to harmful bacteria which thrive in more acidic environments. Consuming apple cider vinegar is another great way to improve your body's alkalinity.

Protein is an essential building block for a healthy immune system. People who don't get enough protein tend to compensate with carbs which convert to glucose, thereby increasing blood sugar and stressing the pancreas and the immune system. The bottom line here: make sure you're getting plenty of protein.

Drink plenty of water. Despite constant reminders, people still aren't getting enough water. Thirst is not the only sign of dehydration. A number of seemingly unrelated symptoms can manifest due to lack of water intake - headaches, for instance. A good rule of thumb is to drink half your body weight in water. So, take your weight in pounds and divide by 2. That will equal the number of ounces of water you should have per day. In the spirit of hydration, try to cut back on caffeine, which not only robs your body of vitamins and minerals - it dehydrates you. If you drink coffee, be sure to add two glasses to your water intake per cup.

Stop consuming refined sugar, and you will see noticeable results in your energy levels, immunity and even your ability to think clearly. Refined sugar is devoid of all nutrients and is typically made of pure carbohydrates. Refined white sugar elevates blood sugar levels and is considered to be empty calories as it offers no nutritional substance at all. Many nutritionists consider sugar a drug for its impact on the human body. It's best to avoid artificial sweeteners, too, as they are more toxic than cane sugar. If you need to use sugar, consider unrefined raw sugar which is made from the juice of the sugar cane plant and has trace minerals and nutrients present.

By taking steps like these to boost your immunity and by having a good Sarasota health insurance plan, you are mapping out a future of disease prevention and good health for yourself.

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Serving central and west coast Florida, Bay Marketing, a licensed independent contractor with Blue Cross Blue Shield of Florida, has been providing Sarasota insurance plan information for individuals and employers during the last twenty years. Many of their professional agents specialize in both individual and commercial health insurance for the florida business owner. Call 941-922-9000 / 800-329-1569 or contact Bay Marketing for an online individual and group insurance quote at Florida Health Plans Online.

Author Elliot Bigman.

Supplement Your Sarasota Health Insurance Plan with an HSA

2009-07-24T14:11:00.004-04:00

Let's assume that you are already the satisfied owner of a Sarasota
health insurance policy, but instead of paying high monthly premiums,
you've opted for a higher deductible in order to keep your monthly
payments low. You've probably made this choice because you don't
require frequent medical care - rather, you're more concerned about
having sufficient coverage in the event of an accident or medical
emergency.

Let's also assume that, suddenly, you're faced with a medical illness
or injury that will require a significant amount of medical attention,
and thus, money to cover those services and treatments. Let's also say
that you haven't met the deductible on your Sarasota health insurance
policy yet, but you need for your coverage to kick in so that your
mounting medical bills will be handled. When residents with Sarasota
health plans have a health savings account (HSA) to supplement their
insurance, they can tap into that account in order to meet that
deductible in their time of need.

An HSA is a medical savings account available to taxpayers in the
United States who are enrolled in High Deductible Health Plans
(HDHPs). The funds contributed to the account are not subject to
federal income tax at the time of deposit. Additionally, the funds in
this account will roll over and accumulate year after year if they're
not spent. HSAs are owned by the individual, which distinguishes them
from the company-owned Health Reimbursement Arrangement (HRA) that
serves as yet another tax-deductible source of funds that can
supplement Sarasota health plans with high deductibles for employees.
The funds from your HSA may be used to pay for qualified medical
expenses at any given time without federal tax liability. Withdrawals
for non-medical expenses are treated similarly to those in an IRA in
that they may incur penalties if taken prior to retirement age.

Citizens and lawmakers who advocate health savings accounts believe
that they are an important aspect of health care reform that will help
reduce costs and increase the efficiency of the health care system.
HSAs are tools that encourage saving money for future health care
expenses, allowing the patient to receive the care they need - when
they need it, and making consumers with high deductible Sarasota
health insurance plans more responsible for their own health care
choices. For all of you Florida residents with high deductible
Sarasota health plans, why not start saving for the future today by
opening a health savings account?

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Serving central and west coast Florida, Bay Marketing, a licensed independent contractor with Blue Cross Blue Shield of Florida, has been providing Sarasota insurance plan information for individuals and employers during the last twenty years. Many of their professional agents specialize in both individual and commercial health insurance for the florida business owner. Call 941-922-9000 / 800-329-1569 or contact Bay Marketing for an online individual and group insurance quote at Florida Health Plans Online.

Author Elliot Bigman.

Sarasota Health Plans: Budgets

2009-07-01T12:09:00.005-04:00

It can be very tricky for the uninformed to navigate the waters of Sarasota health plans. This is because there are several very important choices that need to be made early on in the process of choosing a Sarasota health insurance plan. In order to ensure that you are making the best possible choices for yourself and anyone else who will be covered by your policy, it is important that you evaluate your needs and consult with a Sarasota health insurance agent who can let you know about important factors that you need to consider- such as limitations on types of plans available in your location, which plans will best fit your needs, extra coverage you may need, etc.

A good place to start the conversation is with your budget. Your budget for health insurance is important, not only because it defines the parameters within which you must work, but you can also use it to determine what kind of coverage will really benefit you the most. For example, if you are very healthy and do not have anyone on your plan who is not at a high level of health, then you are likely to not have very many doctor's visits per year to worry about. Paying as little as possible for doctor's visits is likely not as much a priority as having a safety net, financially and medically speaking, if something unexpected were to befall you or a member of your family. In these cases, you might choose to work with a plan, such as a Health Savings Account (HAS) that allows you to accumulate money to use towards health coverage in an emergency. With those parameters, you might also choose to focus on finding the lowest possible monthly payment, resting secure that in an emergency they will only have to meet their deductible before coverage kicks in.

On the other hand, when looking at plans that need to include coverage for somebody who requires frequent medical care, the cost out-of-pocket at doctor's offices might really matter. In these cases, traditional plans that have a low co-pay are usually the best option. For people who would otherwise be spending far more out-of-pocket for doctor's visits and procedures than even a high monthly insurance payment, this is the ideal, as it really does save money on a month to month basis, while still offering coverage for emergencies and unexpected expenses.

Obviously, the Sarasota health plans that come into consideration for any individual or family needing coverage will vary, and there will be other factors to work with, such as choice of doctors and coverage for existing conditions. In the end, however, health insurance coverage is often about finances, so make sure that the coverage you have is the best possible fit for your budget and lifestyle.

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Serving central and west coast Florida, Bay Marketing, a licensed independent contractor with Blue Cross Blue Shield of Florida, has been providing insurance plan information for individuals and employers during the last twenty years. Many of their professional agents specialize in both individual and commercial health insurance for the florida business owner. Call 941-922-9000 / 800-329-1569 or contact Bay Marketing for an online individual and group insurance quote at Florida Health Plans Online.

Author Elliot Bigman.

Florida health plans from insurance agents who care about your medical coverage

2009-05-06T22:11:00.011-04:00

Looking for answers to your health insurance questions?
Meet Roxanne Chevtaikin, award winning insurance agent and one of the top producers for BCBSF the last eight years.

Insurance Specialties: Life, Health, Annuities, Long-term Care, and Dental insurance.

Common questions asked by customers:

"What are the premiums and benefits of this health plan?"

"What benefits am I giving up when leaving my group health insurance plan?"

"Will my premiums go up in price if I develop an illness?"

Insurance Advice for Florida residents:

"After finding out what the customer is looking for, I explain the health plans that best suit their medical care needs even if they are are unaware of them. I want to help them find the best possible Florida insurance plan option available. Many times the customer will go with the health plan I recommend and change what they thought was important based on the insurance information and advice that I give them."

"I always give personal service. I give everyone my cell phone so they can contact me anytime. I am happy to help people who already have Blue Cross Insurance to update and save money on premiums without sacrificing service."

"My motto is to help and give the best health insurance advice possible. I have saved my clients a lot of money by switching plans and sometimes even increasing health care benefits."

Health Insurance Tips for Florida Residents:

"If your employer is not paying for your healthy spouse or children, then you are probably paying way too much for the health insurance coverage for them. Contact me for affordable individual coverage for your spouse or children"

Call Roxanne at Call 941-922-9000 / 800-330-3598 for real answers to your health insurance questions. Visit Bay Marketing online for your Florida health plans.

Need Help with Health Insurance Options?

2009-03-19T14:49:00.004-04:00

If you are shopping around for health insurance, you need to know the questions to ask when choosing the health care plan for yourself and your loved ones. There are so many options available that it is very important to know the ins and outs of each plan and consider the important points before choosing. Finding a reputable insurance agent to walk you through the process can save time and money in the long run. Here are some valuable tips to help with your insurance purchase.

Choosing your Doctors and Specialists for Medical Care

The first consideration in any health insurance plan is the doctors and specialists that are available with your coverage. If you have a regular doctor that you see, make sure they are in your network of coverage. Otherwise you may have to seek out other doctors that are part of the insurance network. Take the time to review their background and experience. For specialist treatment, check the policy to find out your options and coverage for certain treatments. Many policies will cover specialist medical treatment after a referral from a primary care physician. Check to see what treatments are covered and read the fine print on each policy.

Getting Coverage for Pre-existing Conditions and Emergency Care

For pre-existing medical conditions, check carefully to find out if it is covered in the insurance policy. There are many conditions that are covered or have limited coverage. Don’t get caught later without any coverage because you did not check the details prior to purchase. Ask your insurance agent who will be able to give you advice if you have a pre-existing condition. Check all details about emergency care and how much the health plan will cover if such a situation arises.

Other Health Insurance Tips to Consider

Here are some tips that many forget to consider. During this period of economic downturn, many are having a hard time just keeping up with regular monthly payments. For your piece of mind and continued health insurance coverage, check to see if there are grace periods for monthly premiums in case you fall behind on payments. Some policies give a certain grace period so the policy holder can continue coverage. Also check to see if your doctor has higher deductibles for certain treatments in order to keep your monthly premiums down.

Other considerations for those with limited budgets are the discounts offered in many health care plans. Ask an agent to check for the discounts that may apply to you and your family. There are many options that can help you save money in the long run so make sure to check them out. Choosing several different policies for coverage may not be a money saving option. It is better to get coverage with a reputable insurance company and use an experienced agent to help. They can help you get the discounts and policy options available to you.

Finally, always include any additional health care services that you need in your plan. Many forget to check on mental health care, hospice care, long term care and dental care. If these are services you need, then make sure to go over the options with an agent who can help you compare costs and discuss the best available health insurance for your individual needs.

Bay Marketing Sarasota is a top health insurance agency serving Sarasota and surrounding areas. Call 941-922-9000 / 800-329-1569 or visit Florida Health Plans Online for your Florida Health Insurance.