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Personal Accident Insurance

How Does Personal Accident Insurance Work?

 

In the event of an accident, personal accident insurance covers you if you become disabled; unable to work; or have a defined injury, such as loss of eyesight or hearing, and fractured bones.

 

Beneficiaries are paid either in one lump sum or on a monthly basis to supplement missed income.

 

There are other benefits in addition to those mentioned above, including the fact that premiums are tax deductible. Check the terms of each policy you consider to learn more.

 

What Is Not Covered?

 

When considering whether personal accident insurance is right for you, it’s also important to understand what is not covered.

 

This includes self-inflicted injuries, dental injuries, injuries that occur while under the influence or while committing a crime, and accidents that occur as a result of a prior illness.

 

Is Personal Accident Insurance Right for You?

 

As you consider whether personal accident insurance is right for you and your family, you’re probably wondering whether it makes sense if you already have policies such as life insurance, accidental death, or workers compensation. 

 

Personal accident insurance may be the right choice for you if:

 

• Traditional coverage is too expensive

• Paying out-of-pocket for bills that result from an accident outside of the workplace is out of the question

 

Take the time to find the policy that fits your lifestyle.

 

You might also be interested in learning more about preventing injuries at home.

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Aging in Place: 4 Keys to Maintaining an Able Body and Safe Home

Many of us want to stay in our own homes until retirement and beyond. “Aging in place” or “aging in” is a great goal. But our bodies change a lot after retirement, and the reality is our homes aren’t usually designed to accommodate new lifestyles and needs. That two-story home with a finished basement? Great for raising a family—maybe not perfect for enjoying retirement.

But that doesn’t necessarily mean you’ll have to move. If your home is where your heart is, consider these keys to keeping your surroundings safe, and making sure you’re up to the daily challenges of aging in place.

1. Reduce the Risk of Falling

Living on your own in retirement means you need to understand your biggest health risks—and falling may be #1. According to the National Council on Aging, 2.8 million older adults end up in an emergency room annually as a result of a fall. Fortunately, there are some easy, inexpensive things you can do to significantly reduce your risk of falling at home, including:

  • Clear your floor of throw rugs, or make sure to use nonstick pads beneath them.

  • Install grab rails in your tub or shower. These don’t have to look clinical—there are a lot of new options that look good and provide reliable support.

  • Keep nighttime pathways lit. Nightlights in hallway outlets work great, and small, battery-powered lights can go anywhere. Plus, they’re both inexpensive—even the motion-detecting types.

2. Stay on Top of Your Health

Taking proactive care of your health is critical to aging in place. For Medicare beneficiaries with Part B coverage, this means using your preventive care benefits like your “Welcome to Medicare” visit, annual wellness appointments, important health screenings, and more. This helps detect issues early on, including:

  • Blood pressure conditions and other complications like diabetes and osteoporosis, which can raise your risk for falling or other injuries.

  • Balance problems, which can be a side effect of some medications. Your physician will review what you’re taking, along with any other possible risks.

  • Vision and hearing problems. These can significantly raise the risks of aging in place, so annual vision and hearing tests are critical.

3. Stay Active

Regular exercise can help your body maintain a stable foundation. Weak lungs, sore legs and feet, and other factors can significantly raise your risk of falling. And unhealthy bones and blood can turn minor injuries into hospital visits.

Get out for a daily walk or check out the exercise programs offered at your local senior center or park district. Tai chi, yoga, or even simple chair aerobics can help maintain or improve your balance. Plus, the social aspect of group activities can help reduce the risks of isolation and depression that can develop when you're living alone.

4. Ask for Help; It’s Wisdom, Not Weakness

Aging in place successfully also means accepting when you might need just a little extra help—whether that’s a drive to the local supermarket, or assistance getting in and out of the shower if it becomes a challenge. In-home senior care services can provide the solutions you need to continue living in your own home safely and comfortably. Your benefits provider or local senior center can be great resources for finding just the help you need.

Whether you’re looking to prevent injuries in your own home—or looking out for a loved one who prefers the comfort of their own home—taking preventive measures can help make sure the aging in experience is as safe and fulfilling as possible. Want more info? Check out these tips on caring for an aging loved one. CALL FOR ASSISTANT.

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Medicare Members: Take Advantage of Your Covered Preventive Services

Preventive health care can help detect diseases early — when they’re easiest to treat. That’s good news for qualified Medicare beneficiaries, because many preventive services are covered by Medicare

Get the Preventive Benefits You’ve Earned, Including Annual Doctor Visits

It’s smart to take advantage of your Welcome to Medicare preventive visit.

  • Go see your doctor during the first 12 months of being a Medicare beneficiary with Part B coverage for this important preventive visit.

  • Your visit will include a review of both your medical and social history (as it relates to your health), plus education about services like recommended screenings, shots and referrals for other care if you need.

Qualified Medicare beneficiaries who’ve had Part B for at least a year can also get an annual wellness visit. When you set this appointment, be sure to let your doctor’s office know that it’s your yearly wellness visit, which is included in your Medicare coverage once every 12 months. During your visit, you can expect to fill out a Health Risk Assessment questionnaire and receive:

  • A review of your medical and family history.

  • Height, weight, blood pressure, and other routine measurements.

  • Detection of any cognitive impairment.

  • Personalized health advice.

  • A list of risk factors and treatment options for you.

  • A screening schedule (like a checklist) for appropriate preventive services.

  • The option to include an advance care planning discussion.

Keep in mind, you’re entitled to these preventive services — whether you get your benefits through Original Medicare (specifically Part B) or choose to get your benefits through a Medicare Advantage (Part C) from a private insurer.

What Other Preventive Care Is Covered At No Cost?

If you are considered at risk or otherwise eligible, Medicare covers 100% of its approved amount (with no Part B deductible) for all of these services:

  • Abdominal aortic aneurysm screening.

  • Alcohol misuse screening.

  • Bone mass measurement.

  • Breast cancer screening/mammogram.

  • Cervical and vaginal cancer screening.

  • Depression screening.

  • Diabetes screening.

  • EKG heart screening.

  • Flu shot.

  • Hepatitis B shots.

  • Hepatitis C screening.

  • HIV screening.

  • Laboratory services.

  • Lung cancer screening.

  • Medical nutrition therapy.

  • Obesity screening and counseling.

  • Pneumonia shots.

Medicare coverage also extends to these services, but with a few limitations:

  • Cardiovascular heart disease screening — screenings are free, but the doctor visit may require a copay.

  • Colon colorectal cancer screening — the colonoscopy test is free, but there may be a copay for polyp removal.

  • Glaucoma screening — 80% of the Medicare-approved amount is covered, after you pay the Part B deductible.

  • Prostate cancer screening — the PSA test is free with no Part B deductible; for a digital rectal exam, 80% of the Medicare-approved amount is covered after you pay the Part B deductible.

  • Sexually Transmitted Illness (STI) screening and counseling — free if your doctor orders tests and they are performed in a Medicare-approved lab.

  • Smoking cessation counseling — free for those who do not have a smoking-related illness; 80% covered for those who do.

Keep in mind, the Medicare-approved amount assumes your doctors and other providers accept it as payment in full, which is known as “assignment.” If you get your services from someone who doesn’t accept assignment, you might pay more. Even if you do, it can still be a great investment in your overall health.

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Anthem Blue Cross and Blue Shield is the trade name of: In Colorado: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc. In Connecticut: Anthem Health Plans, Inc. In Indiana: Anthem Insurance Companies, Inc. In Kentucky: Anthem Health Plans of Kentucky, Inc. In Maine: Anthem Health Plans of Maine, Inc. In Missouri (excluding 30 counties in the Kansas City area): RightCHOICE® Managed Care, Inc. (RIT), Healthy Alliance® Life Insurance Company (HALIC), and HMO Missouri, Inc. RIT and certain affiliates administer non-HMO benefits underwritten by HALIC and HMO benefits underwritten by HMO Missouri, Inc. RIT and certain affiliates only provide administrative services for self-funded plans and do not underwrite benefits. In Nevada: Rocky Mountain Hospital and Medical Service, Inc. HMO products underwritten by HMO Colorado, Inc., dba HMO Nevada. In New Hampshire: Anthem Health Plans of New Hampshire, Inc. HMO plans are administered by Anthem Health Plans of New Hampshire, Inc. and underwritten by Matthew Thornton Health Plan, Inc. In Ohio: Community Insurance Company. In Virginia: Anthem Health Plans of Virginia, Inc. trades as Anthem Blue Cross and Blue Shield in Virginia, and its service area is all of Virginia except for the City of Fairfax, the Town of Vienna, and the area east of State Route 123. Anthem Blue Cross and Blue Shield and its affiliate HealthKeepers, Inc. In Wisconsin: Blue Cross Blue Shield of Wisconsin (BCBSWi), underwrites or administers PPO and indemnity policies and underwrites the out of network benefits in POS policies offered by Compcare Health Services Insurance Corporation (Compcare) or Wisconsin Collaborative Insurance Corporation (WCIC). Compcare underwrites or administers HMO or POS policies; WCIC underwrites or administers Well Priority HMO or POS policies. Independent licensees of the Blue Cross and Blue Shield Association. ANTHEM is a registered trademark of Anthem Insurance Companies, Inc. The Blue Cross and Blue Shield names and symbols are the registered marks of the Blue Cross and Blue Shield Association.

This information is not a complete description of benefits. Contact the plan for more information. Limitations, copayments, and restrictions may apply. Benefits, premiums and/or co- payments/co-insurance may change on January 1 of each year. You must continue to pay your Medicare Part B premium.

 
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