National HIV Testing Day: Talk to Your Clients About Getting Tested

National HIV Testing Day is a day to encourage your clients not only to get tested for HIV but also to know their status and to get linked to care and treatment if needed.

To learn how you can raise awareness for HIV testing among your clients, please see the infographic below.

health insurance innovations florida

Your Clients Need to Hear These 9 Summer Health & Fitness Tips

Your clients are headed to parties, beach days, and park picnics this summer. These outings are likely to include tempting food they may be trying to avoid, and those sunny beach days may inspire them to be more leisurely than active. But they surely deserve a few treats and leisurely days though, right? Talk to your clients about balancing their summer health and fitness goals with their well-earned leisurely pastimes.

Here are 9 tips to get them started:

Be food prepared.

If they’re headed to a summer party where they’ll be tempted, they can pack grab-n-go items. Protein bars from brands like NuGo Nutrition and Larabar are usually $1-$2 per bar, packed with plant-based nutrients, and easily accessible at stores and on Amazon. Sliced fresh fruit, granola bars, and nuts are other quick and easily portable options.

Pick up the pace.

Of course they’ll be ready to get their chairs positioned just right and relax on the sand, but taking a lap by the water before they get settled will help them squeeze in a few more steps and burn a few more calories.

Make meals simple, quick, and fun.

They’ve got their neighbor’s BBQ at 3pm and friends coming over at 6pm. They need options that are shareable and convenient, but also impressive. Colorful kabobs of tomatoes, peppers, mushrooms, zucchini, and squash basted with olive oil and spices may be the ideal treat. Or they can bake or grill sweet potatoes and add peanut butter to them. Cutting them into chunks and serving them with toothpicks will surely make your clients the hit of the summer parties. And help them stay on track with their summer health and fitness goals.

Carry a reusable water bottle.

It can be tempting to pop open a fizzing can of Coke or hit the Starbucks drive-thru for one of their favorite frappuccinos this summer. But carrying a water bottle they can refill throughout the day can help them avoid a decision packed with sugar and calories. It’s also good for the environment.

Get family and friends moving to join in.

Beating the heat in a nice cool movie theater may be a fun afternoon activity for your clients, but so may taking a hike in a local park or challenging neighbors or coworkers to a game of kickball. Having fun and enjoying quality time with loved ones can help motivate your clients to stay active and meet their health and fitness goals.

Find fun ways to use resistance bands.

Quick and simple exercises may break the monotony of long days in the office and may help your clients stay focused during activity packed weekends. If they’re traveling this summer, bringing the bands along can inspire them to focus on fitness even while on vacation.

Bring the chill to summer meals.

A hot kitchen can often be the least fun place on these scorching summer days. Your clients may enjoy giving themselves a brrr-eak from cooking with meals that require little to no cooking and that are chockfull of nutrients and yumminess these colorful and shareable options. Bonus points: with cool meals, they won’t have to worry about reheating food they bring to parties or carry to work.

Make time to disconnect.

It’s easy to get caught up in all things planned even during the summer. From work commitments to pressing social calendars to ever-present technology, it may be difficult for your clients to unwind. They may find it helpful to schedule an hour of mediation in their calendars, to turn off their phones for an afternoon, to forward their calls to voicemail, or to get outside for a walk. Long-term health and fitness successes include consistently clearing our minds and making time to rest.

Enjoy early morning activities.

Your clients can kick off a day of healthy habits by grabbing a bike to hit the pavement for a few miles, taking a morning hike, or trying out some new moves at local recreation centers.

Make your clients’ heath and fitness goals a priority to you this summer as you consult with them about their healthcare coverage needs.

Learn more about offering your clients a variety of healthcare coverage solutions by:

Click here to like us on Facebook for important industry updates, tips, and articles!

This blog is for informational purposes only and is not intended to make any product recommendations. Encourage your clients to review any product details, such as costs, limitations, exclusions, restrictions, and benefits prior to any purchasing decisions.

Health Insurance Innovations, Inc. is a leading developer and administrator of affordable, web-based individual health insurance plans and ancillary products. We help consumers address their health insurance needs by offering access to a number of products offered by various insurance carriers.

 

For agent use only – not for use with the general public

 

Health Insurance Innovations smart investment

UPDATE: HIIQ Deemed “Smart Investment Option” on SeekingAlpha.com

In a financial review of Health Insurance Innovations published recently, Andrew Roberts of the financial blog Seeking Alpha writes, “HIIQ Management has achieved vigorous organic growth in recent years. Current guidance for FY2018 implies 51% earnings growth and 18% revenue growth this year.”

The article goes on to extol the future outlook of Hiiquote’s financials and fundamentals.

Health Insurance Innovations was praised for its stock performance in the article “Why Health Insurance Innovations (HIIQ) Is A Smart Investment Option” on seekingalpha.com.

Among the numerous reasons mentioned in the piece, writer & analyst Maddi Salmon writes:

“Trends in the healthcare industry are favorable for a company like HIIQ. Much like we’re seeing in the Life Insurance space, where higher employment and a stronger economy have lifted the potential companies in the space. Health Insurance Innovations offers simplified and affordable individual healthcare options with a viable business model. Even relative to the industry average, HIIQ is especially well-positioned.”
Read the full post over at SeekingAlpha and keep up with all things investor-related on the HIIQ Investor Relations Page.

hiiq-information-cataracts

Talk to Your Clients and Offer Vision Coverage During Cataract Awareness Month

June is Cataract Awareness Month, and the nation’s leading eye health organization Prevent Blindness wants consumers to understand the risks of this leading cause of blindness worldwide1. The organization, which focuses on research and advocacy for vision health, estimates that over 30 million Americans who are age 40 and over will have cataracts by the year 20201.

The health of your clients’ vision is impacted by many factors, but you can help them protect it and expand your portfolio by enrolling them in affordable vision insurance.

Let’s look at a few risks and symptoms of cataracts, guidelines for when your clients should seek vision care, and connections between their vision and their overall health.

Risks1

  • Intense heat or long-term exposure to UV rays from the sun
  • Smoking
  • Certain diseases, such as diabetes
  • Inflammation in the eye
  • Hereditary influences
  • Events before birth, such as German measles
  • Long-term steroid use
  • Severe long-term nearsightedness
  • Eye diseases

It’s important for your clients to remember that all age groups should manage their risk, as cataracts can affect all of us1.

Symptoms2

  • Cloudy or blurred vision
  • Increasing difficulty with vision at night
  • Sensitivity to light and glare
  • Seeing halos around lights
  • Frequent changes in vision prescriptions
  • Fading or yellowing of colors
  • Need for brighter light for reading or other activities

Exam Frequency

If your clients notice any change in their vision, it’s a good idea to visit a doctor. An eyecare provider can diagnose a cataract with a thorough eye exam3.

The Centers for Disease Control and Prevention recommend consumers start proper vision care early in life and note that less than 15% of preschool children get an eye exam and less than 22% get a vision screening4. Prevent Blindness recommends those without symptoms who are5:

  • 20-39 years old get a comprehensive eye exam every 2-5 years depending on their risk factors
  • 40-64 years old get a comprehensive eye exam every 2-4 years depending on their risk factors
  • 65 years old and older get a comprehensive eye exam every 1-2 years depending on their risk factors

Vision Care and Overall Health

Taking steps to secure their healthy vision can also help your clients protect their overall health. As the windows to their health, their eyes can show healthcare providers symptoms of conditions such as diabetes, high blood pressure, autoimmune diseases, sexually transmitted diseases, and cancers6 according to the American Academy of Ophthalmology. Proper vision care can also protect your clients while they engage in everyday activities such as driving, playing sports, or using power tools and help ensure they are able to pursue the activities that interest them far into the future.

Your clients and their families are looking to you to help them ensure their vision is protected with regular access to eye care. Talk to your clients about just how valuable that access is for themselves and for their families. Grow your business while providing them with a trusted avenue to that care by offering vision insurance.

With vision coverage, your clients can choose plans that provide benefits for:

  • Eye exams every 12 months
  • Lenses every 24 months (this can include single vision, bifocal, and trifocal)
  • Frames every 24 months (this can include prescription sunglasses)
  • Contact lenses and fitting every 24 months
  • Low copays for exams
  • In-network savings
  • Individual and family coverage
  • Ease of provider access (this can include nationwide chains)

Vision insurance can offer your clients a laundry list of benefits that help them secure a healthier present and future. It can also offer you the opportunity to offer other affordable and valuable products that address healthcare needs your clients have. You may find that enrolling them in memberships to discount vision programs provides access to care and may be a better fit for their needs. These memberships may require your clients to pay out of pockets for some costs, but these costs may end up being lower thanks to the strength of participating provider networks.

Are you ready to round out your clients’ healthcare options by providing vision coverage in your portfolio?

Learn more today by:

Click here to like us on Facebook for important industry updates, tips, and articles!

Sources:

1: “June is Cataract Awareness Month.” Prevent Blindess.  https://www.preventblindness.org/june-cataract-awareness-month-0

2: “Cataracts: Symptoms and Causes.” Mayo Clinic.  https://www.mayoclinic.org/diseases-conditions/cataracts/symptoms-causes/syc-20353790

3: “What Are the Symptoms of Cataracts? When Should I Call the Doctor?” WebMD. https://www.webmd.com/eye-health/cataracts/symptoms-of-cataracts-when-to-call-the-doctor#1

4: “Keep an Eye on Your Vision Health.” Centers for Disease Control and Prevention. https://www.cdc.gov/features/healthyvision/index.html

5: “How Often Should I Have an Eye Exam?” Prevent Blindness.  https://www.preventblindness.org/how-often-should-i-have-eye-exam

6: “Your Eyes Could Be the Windows to Your Health.” American Academy of Ophthalmogy. https://www.aao.org/eye-health/tips-prevention/diagnosing-systemic-diseases-eye-exams

 

This blog is for informational purposes only and is not intended to make any product recommendations. Encourage your clients to review any product details, such as costs, limitations, exclusions, restrictions, and benefits prior to any purchasing decisions.

Health Insurance Innovations, Inc. is a leading developer and administrator of affordable, web-based individual health insurance plans and ancillary products. We help consumers address their health insurance needs by offering access to a number of products offered by various insurance carriers.

Man jogging at a park - HIIQ National Men's Health Week

Here Are 3 Ways Agents Can Celebrate National Men’s Health Week

National Men’s Health Week is a time to raise awareness of preventable health problems and encourage early detection of disease among men and boys. This year from June 11 – 17, take the opportunity to encourage your clients to seek regular medical advice and get early treatment for disease and injury.

Ready to raise awareness? Here are some ideas to get you going.

1. Talk with your clients about common men’s health concerns.

This includes prostate cancer, blood pressure, and lung and heart health per the Men’s Health Network. See their timeline of recommendations below:

For your clients who are men and ages 20-39, they should:

  • Have a physical exam every 3 years
  • Have their blood pressure checked every year
  • Have a TB skin test every 5 years
  • Have blood tests and urinalysis every 3 years
  • Have a baseline EKG at age 30
  • Have a tetanus booster every 10 years
  • Have a rectal exam every year
  • Conduct a skin self-exam every month
  • Be screened for sexually transmitted diseases every year

For your clients who are men and ages 40-49, they should:

  • Have a physical exam every 2 years
  • Have their blood pressure checked every year
  • Have a TB skin test every 5 years
  • Have blood tests and urinalysis every 2 years
  • Have an EKG every 2 years
  • Have a tetanus booster every 10 years
  • Have a rectal exam every year
  • Have a Prostate Specific Antigen blood test*
  • Have a hemoccult exam every year
  • Discuss having a chest x-ray with a physician
  • Conduct a skin self-exam every month
  • Discuss having testosterone screening with a physician
  • Discuss having screenings for sexually transmitted diseases with a physician

*African-American men and men with a family history of prostate cancer may opt to have PSA blood tests at 40 years of age or earlier.

For your clients who are men and ages 50+, they should:

  • Have a physical exam every year
  • Have their blood pressure checked every year
  • Have a TB skin test every 5 years
  • Have blood tests and urinalysis every year
  • Have an EKG every year
  • Have a tetanus booster every 10 years
  • Have a rectal exam every year
  • Have a Prostate Specific Antigen blood test
  • Have a hemoccult exam every year
  • Have a colorectal exam every 3-4 years
  • Discuss having a chest x-ray with a physician
  • Conduct a skin self-exam every month
  • Discuss having bone health screening with a physician
  • Discuss having testosterone screening with a physician
  • Discuss having screenings for sexually transmitted diseases with a physician

2. Make sure your clients know how to make the most of the health coverage they select.

If they are interested in health benefits insurance (otherwise known as limited medical coverage), plan options may:  

  • Be helpful when clients are unable to afford major medical coverage, not eligible for short-term medical, and/or looking to supplement their major medical coverage
  • Offer guaranteed coverage when eligibility is met
  • Secure lower premiums than major medical options
  • Provide benefits such as $50-$100 paid toward doctor and specialist visits available
  • Not require the use of a network of doctors
  • Offer next day coverage or little to no waiting periods for accidental injuries or sickness (Note: This is due to lower and more restricted benefits. This is not a replacement for major medical insurance.)

Note: This type of coverage does not count as minimum essential coverage required by the Affordable Care Act and is not suitable to serve as sole medical coverage.

If they are interested in short-term medical coverage, plan options may:  

  • Be helpful in the face of life-altering transition periods such as pre-Medicare retirement, change in employment status, rolling off parental or student insurance, bridging a gap in major medical coverage or those who missed Open Enrollment
  • Offer flexibility in coverage length and cost
  • Provide a variety of deductible and coinsurance options and low copay options for in-network benefits (note: benefits may be limited and subject to exclusions and restrictions and this coverage does not cover cover pre-existing conditions)

Note: This type of coverage is designed solely to provide healthcare coverage during unexpected coverage gaps. It also does not count as minimum essential coverage required by the Affordable Care Act and is not suitable to serve as sole medical coverage.

If they are interested in ACA medical coverage, plan options may:  

  • Provide coverage for pre-existing conditions and preventive care for individuals and families
  • Offer options to change plans every year
  • Offer subsidies to lower costs
  • Provide minimum essential health benefits

If they are interested in critical illness coverage, plan options may:  

  • Offer an added layer of financial protection in the face of critical health concerns
  • Pay benefits directly to those enrolled or their designees
  • Provide benefits that can be used to pay living expenses and healthcare costs
  • Include little to no waiting periods as well as certain limitations and exclusions

Note: This type of coverage may be subject to various exclusions and limitations. Ensure your clients understand these prior to making a purchasing decision.

3. Celebrate awareness with activities in your office.

Organize a Wear Blue Day.

  • Ask your team to pose for photos in all blue – the signature color of the initiative – and post them to social media with the hashtags #MensHealthWeek, #WearBlueDay, and/or #ShowUsYourBlue.
  • Create a fundraising challenge and invite businesses near your office to join. Donate the proceeds to heart disease or cancer research organizations (those diseases are the #1 and #2 fatal diseases for men in the United States respectively).

Provide your team with local health resources.

  • Ask a local doctor or nutritionist to make a presentation on common men’s health concerns and everyday ways your team members can improve their health.
  • Organize a health fair complete with health screenings for blood pressure and cholesterol levels and opportunities to speak with advocates of wellness care, doctors/nurses, dentists, fitness instructors, etc.

Challenge your team to fun activities.

  • Hold a 5K near your office and ask nearby businesses to join.
  • Bring in a fitness instructor to lead fun activities/classes for your team. Consider inviting your team’s loved ones as well.

Provide encouragement and resources to the men among your clients and within your community for National Men’s Health Week – and every week – and contribute to the growing awareness of prevention, early detection, and treatment of disease.

Learn more about enrolling your clients in the coverage they need today by:

Click here to like us on Facebook for important industry updates, tips, and articles!

Click here to learn more about men’s health concerns.

Click here to see National Men’s Health Week activities across the country.

This blog is for informational purposes only and is not intended to make any product recommendations. Encourage your clients to review any product details, such as costs, limitations, exclusions, restrictions, and benefits prior to any purchasing decisions.

Health Insurance Innovations, Inc. is a leading developer and administrator of affordable, web-based individual health insurance plans and ancillary products. We help consumers address their health insurance needs by offering access to a number of products offered by various insurance carriers.

For agent use only – not for use with the general public