Lower Cost Healthcare

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Companies Learn About the Ways to Enjoy Lower Cost Healthcare

Micro captives have been changing the way that employers obtain health care for themselves and their employees. Individuals, too, can benefit from captives. They become the owner of an insurance company as opposed to buying from one. The benefits are numerous, allowing for insurance designed to the needs of the individual.

Lower Costs

It’s important to look at the costs of healthcare. Each year, premiums seem to be on the rise. Especially as a company, you have to look at the costs involved with acquiring insurance and marketing the options to your employees. By using a captive, you have the ability to minimize all of the different costs while being conscious of your bottom line. You can even deliver profit to your bottom line by taking more control of what you’re offering.

Better Service

As a captive, you would have the ability to purchase a number of strategic insurance products, such as aggregate excess reinsurance coverage. You will have the ability to manage predictable losses in a more effective manner. You can improve loss control and become more aware of the factors that contribute to losses. This will allow you to manage insurance and your business more effectively so that losses can be reduced and, even, prevented in the future.

Bigger Profit Potential

Safety pays when you’re a member of a captive, micro or otherwise. When you have effective risk management practices in place, you’re rewarded. Investment income can end up accumulating to your benefit. It provides you with an enhanced profit potential so that you can use that money in a way that makes the most sense for your business.

Businesses need to focus on what’s important to them, which is their business. An independent captive consultant can show you what you need to do in order to address insurance issues while still running your business.


Home Health Care

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There’s No Place Like Home

There’s nothing quite comparable to being at home, where you can be comfortable in your own space, surrounded by your own belongings. When a situation arises that may affect one’s ability to live independently at home, it can be key to have a professional resource to rely on.

You Don’t Have to Do Things Alone

When you’re trying to handle all the daily activities on your own, it can be a lot on your plate regardless of whether you’re doing them for yourself or a loved one. Over time, all of the little stresses can start to build up, and that mental tension could start to affect your physical well-being. To give yourself a chance to breathe, relax, and focus on what’s important, you can have a home health care service come to your assistance.

Home health care organizations, like Specialty Care Services in Maryland, are staffed by trained caregivers who can help with a variety of situations. Many people turn to these types of agencies when an older member of the family needs assistance with daily tasks or when a current caregiver needs respite services. Services can even include laundry, light housekeeping, and help with transportation, and it’s not limited to seniors. Anyone who could use a hand is welcome to reach out for support. That support can be given on a short-term or long-term basis.

Professional and High-Quality Care

When you’re looking for home health care in MD, you want to find a team that knows what it’s doing. You can have peace of mind when you partner with a group that’s licensed, bonded, and insured. You also want to make sure caregivers have been provided with adequate training and have had background checks conducted.

An organization like Specialty Care Services is available 24 hours a day since questions can arise at any time. Agencies are always happy to answer questions and provide insight into the benefits of home health care.

home health care md


How To Make Health Your New Normal

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At some point in life, many individuals will find themselves unhappy with their substandard level of health. Once you realize that this is the case for you, it’s time to implement proven wellness techniques that will engender excellent outcomes such as more energy, mental clarity, and physical stamina. Below you’ll find several strategies that you can begin implementing to attain these types of results in your mind and body:

1. Focus On Meditation.

If you’re really serious about making health your new normal, it’s time to focus on meditation. Meditating is important for many reasons, one of which is that the practice is linked to the cultivation of higher levels of self-awareness. Once you become more aware of things like your breathing patterns and thought processes, you can start making changes that enable you to think and be in a manner that is more conducive to holistic health. Also note that many individuals who practice meditation regularly report that they experience lower levels of stress and better quality sleep.

2. Get Into Fitness.

In addition to focusing on meditation, make sure that you get into fitness. Taking this step will empower you to develop more body confidence, better posture, more youthful-looking skin, and increased levels of energy. Also note that focusing on fitness is a wonderful way for you to optimize and expedite the weight loss process if your doctor has recently informed you that you need to shed excess pounds. Note that there are hundreds and hundreds of strategies you can use to make fitness an integral component of your life. One is joining a hot yoga studio and practicing several times a week. In addition to yoking the mind and body in a manner that promotes feelings of both mental and physical tranquility, practicing hot yoga optimizes the body’s ability to shed toxins because of the fact that the practice entails a great degree of sweating.

3. Don’t Be Afraid To Ask For Help.

One final technique that you can implement to push yourself into a deeper dimension of health is asking for help. This technique will empower you to attain assistance from wellness professionals who know which customized strategies to deploy for the purpose of keeping you on the road to health. Wellness professionals can include anyone from a yoga instructor to a personal trainer to a health coach. In the event that you yourself operate within the medical field and are in need of help with updating or repairing your medical instruments, note that the professionals of Benjamin Biomedical can assist you.


After you realize that you’re ready to get healthy, it’s time to begin thinking and acting in a strategic manner. Use some or all of the health strategies you see outlined above to make optimal well-being your new normal soon!


Dealing With A Trip To The Emergency Room

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There are very few people who like to visit the emergency room unless it’s absolutely necessary. Many people don’t even like going to the hospital unless it’s to see a family member or a close friend as there is a risk of germs entering the body or seeing people in a position that is heartbreaking because they might be sick or injured. However, if there is a medical need, then an emergency room Spring TX hospitals provide might be a needed trip to make.

When you enter the emergency room, there are some things that you can do to make the trip a bit easier on yourself and to make the trip a bit faster so that you can go home and get the rest that you need. In order to get the insurance information processed as quickly as possible, keep a small card in your wallet with all of your basic information. It should include your insurance policy number, address, phone number and an allergies. If you are unable to speak, then someone with you will be able to give the information to the nurse so that you don’t have to worry about communicating.

Take your medications with you to the hospital. You might not remember the dosage that you have to take or the right name of the medication. If you take the bottles with you, then the doctor can examine them to see that you’re taking them properly and to know what to prescribe you so that it doesn’t interact with what you’re taking. Try to go to the hospital when it’s not crowded. The weekend will be a time when more people will seek help because they are at home from work and school. Mondays are busy days as people are recovering from weekend adventures. Try to get to the hospital in the early morning hours during the week or in the afternoon before people get out of school or off of work. Take something with you to keep you busy while you’re waiting, such as a book or a crossword puzzle. This will also help to take your mind off of the worry that you have about what the doctor might tell you.


Medicare and Obamacare enrollment periods looming.

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With uncertainty looming in November, we think that this is the time to start shopping for Medicare Insurance AND Obamacare Health insurance and buy the best plan for you BEFORE November.

Compare plans and quotes here:

Medicare Supplemental Insurance

Medigap Plans

Healthcare Plans

Medicare Open Enrollment Period (OEP) starts October 15, 2016 and ends December 7, 2016. Marketplace Healthcare Gov Site Open Enrollment 2017 – OEP 2017 starts November 1, 2016 and ends January 31, 2017. You can enroll to get Obamacare Healthcare Insurance at the healthcare marketplace gov site during the 2017 OEP. However, you can get quotes and shop around for the best Medigap/Health Insurance plan all year round.