Walk Your Clients into Improved Health for National Women’s Health Week

Each year during National Women’s Health Week, millions of women take steps to improve their health. The 19th annual National Women’s Health Week kicks off on May 13 and serves as a reminder for women to make our health a priority and to build positive health habits for life.

During your consultations with clients this week, remind them of this health observance and provide them with information and resources they need to get them on a journey toward better and long-lasting health.

Here’s how your office can participate in the 19th annual National Women’s Health Week:
  • Share the following tips with you clients
  • Take the National Women’s Health Week quiz to test your knowledge about healthy living
  • Show your fellow agents that you’re making women’s health a priority with these social media resources and use the #NWHW hashtag
  • Participate online or organize activities within office
The journey to create improved health habits can include:
 For every decade, it’s important for your clients to:

*Make sure your clients know how their health coverage works when it comes to well-woman visits. This preventive visit is essential to women’s health, as it’s a time for them to check in on how they’re doing, how they’d like to be doing, and what changes they can make to reach their health goals.

For Clients in Their 20s

 A client in this decade should ask her doctor at least once a year about:

  •  Whether she plans to have children in the next year or the right birth control
  • Her weight, diet, and physical activity level
  • Her tobacco and alcohol use
  • Any violence in her life
  • Depression and any other mental health concerns
  • Her family health history, especially of heart disease and cancer (these are the top two fatal diseases for women in the United States and are often linked to diet and lifestyle choices)
  • Protecting herself from the sun and the hazards of tanning

She should also ask if she needs these tests, medicines, or vaccines:

  • Blood pressure
  • Chickenpox
  • Cholesterol
  • Flu
  • Hepatitis B and C
  • HIV
  • HPV vaccine (26 and younger*)
  • Measles, mumps, and rubella
  • Pap (21 and older*)
  • Sexually transmitted infections (including chlamydia and gonorrhea tests for women 24 and younger*)
  • Tetanus, diphtheria, or whooping cough
  • Tuberculosis

If she is pregnant, prenatal care can also be a well-woman visit. There are also certain tests during pregnancy to check her and her baby’s health. Click here to learn more.

* Suggested by the U.S. Preventive Services Task Force recommendations and may not apply to every person

For Clients in Their 30s

A client in this decade should ask her doctor at least once a year about:

  •  Whether she plans to have children in the next year or the right birth control
  • Her weight, diet, and physical activity level
  • Her tobacco and alcohol use
  • Any violence in her life
  • Depression and any other mental health concerns
  • Her family health history, especially of heart disease and cancer (these are the top two fatal diseases for women in the United States and are often linked to diet and lifestyle choices)

She should also ask if she needs these tests, medicines, or vaccines:

  • Blood pressure
  • Chickenpox
  • Cholesterol
  • Flu
  • Hepatitis B and C
  • HIV
  • Measles, mumps, and rubella
  • Pap and HPV
  • Sexually transmitted infections
  • Tetanus, diphtheria, or whooping cough
  • Tuberculosis

If she is pregnant, prenatal care can also be a well-woman visit. There are also certain tests during pregnancy to check her and her baby’s health. Click here to learn more.

For Clients in Their 40s

A client in this decade should ask her doctor at least once a year about:

  •  Whether she plans to have children in the next year or the right birth control (for premenopausal women)
  • Perimenopause symptoms
  • Her weight, diet, and physical activity level
  • Her tobacco and alcohol use
  • Any violence in her life
  • Depression and any other mental health concerns
  • Her family health history, especially of heart disease and cancer (these are the top two fatal diseases for women in the United States and are often linked to diet and lifestyle choices)

She should also ask if she needs these tests, medicines, or vaccines:

  • Blood pressure
  • Chickenpox
  • Cholesterol
  • Diabetes
  • Flu
  • Hepatitis B and C
  • HIV
  • Mammogram
  • Measles, mumps, and rubella
  • Pap and HPV
  • Sexually transmitted infections
  • Tetanus, diphtheria, or whooping cough
  • Tuberculosis

If she is pregnant, prenatal care can also be a well-woman visit. There are also certain tests during pregnancy to check her and her baby’s health. Click here to learn more.

For Clients in Their 50s

A client in this decade should ask her doctor at least once a year about:

  • Menopause symptoms
  • Your weight, diet, and physical activity level
  • Your tobacco and alcohol use
  • Any violence in your life
  • Depression and any other mental health concerns
  • Your family health history, especially of heart disease and cancer (these are the top two fatal diseases for women in the United States and are often linked to diet and lifestyle choices)

She should also ask if she needs these tests, medicines, or vaccines:

  • Low-dose aspirin
  • Blood pressure
  • Chickenpox
  • Cholesterol
  • Colorectal cancer
  • Diabetes
  • Flu
  • Hepatitis B and C
  • HIV
  • Lung cancer (55 and older*)
  • Mammogram
  • Measles, mumps, and rubella
  • Pap and HPV
  • Sexually transmitted infections
  • Tetanus, diphtheria, or whooping cough
  • Tuberculosis

* Suggested by the U.S. Preventive Services Task Force recommendations and may not apply to every person

As you work with your clients to determine which type of coverage will help them tackle these health concerns and meet their budget and lifestyle needs, it’s crucial to review the basics with them.

If health benefit insurance is an option for them, discuss features such as:

  • Helpful for those anticipating rising medical expenses, unable to afford major medical, not eligible for short-term medical, and/or looking for supplemental coverage to their major medical plans
  • Guaranteed issue coverage if eligibility is met and available in state
  • Premiums often lower than major medical, but also lower and more restricted benefits
  • Benefits such as $50-$100 paid toward doctor and specialist visits available
  • Not required to use a network of doctors – freedom to choose any doctor or facility (*Note: clients can still exceed eligible benefits)
  • Preventive care available for as low as $50
  • Next day coverage available or little to no waiting periods for accidental injuries or sickness
  • 12 month waiting period for pre-existing conditions
  • Does not count as minimum essential coverage required by the Affordable Care Act and is not suitable to serve as sole medical coverage

If short-term medical is an option for them, discuss features such as:

  • Helpful for those facing 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 (*Note: these policies are designed solely to provide healthcare coverage during unexpected coverage gaps)
  • Flexibility in coverage length and cost; coverage duration varies by state and is non-renewable
  • Variety of deductible and coinsurance options
  • Low copay options for in-network benefits
  • Limited preventive care available
  • Ability to cancel at any time without penalty
  • Benefits may be limited and subject to exclusions and restrictions
  • Does not cover pre-existing conditions
  • Coverage is not guaranteed
  • Not intended to be a replacement or alternative to ACA or other major medical plans and does not provide the minimum essential health benefits that are required; may result in a tax penalty

Disclaimer: Health benefit insurance and short-term medical coverage are not intended to be a replacement or alternative to ACA or other major medical plans nor does it provide the minimum essential health benefits that are required and it won’t help to avoid the fee for not carrying health insurance. They can have exclusions and limitations, which may not make them a valid option for some clients.

Show your clients that women’s health is a priority to you this week and every week. Provide them with affordable and quality coverage options that allow them to easily get the healthcare they need for every decade.

Learn more today 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.

Many thanks to the Office of Women’s Health for this information and their work on behalf of women.

For more information on National Women’s Health Week as well as resources on a variety of trending topics in women’s health, wellness, and medical conditions, please click here.

 

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

 

 

Breast Cancer Awareness Month Help Your Clients Protect Themselves

Breast Cancer Awareness Month: Help Your Clients Protect Themselves

Approximately 1 in 8 women born today in the United States will get breast cancer at some point, the second most common kind of cancer in women1. While most women can survive breast cancer if it’s detected and treated early 1, there are several lifestyle factors that your clients should consider when assessing risk, including:

  • Consuming dairy (with risk of death increasing for those who continue to consumer dairy after diagnosis)2
  • Being overweight or obese3
  • Not being physically active3
  • Regularly drinking alcohol4
  • Taking hormone replacement therapy4
  • Taking hormonal birth control3

 

The month of October is Breast Cancer Awareness Month, an opportunity to raise awareness about steps women can take to decrease their risk and to detect and treat this disease. It’s also an opportunity to help your clients protect themselves from potential financial challenges that can come with breast cancer treatment. When faced with high deductibles, high copays, and high premiums, it can be difficult for your clients to afford medical coverage.

Limited medical plans can offer economical options that can help do just that for your clients who are:
  • Anticipating rising medical expenses
  • Unable to afford major medical coverage
  • Not eligible for short-term medical coverage
  • Looking for supplemental coverage to their major medical plans
 With these products, you can offer your clients many features, including:
  • The freedom to choose any doctor or hospital of their choice
  • Guaranteed issue coverage with $50-$100 paid toward doctor and specialist visits
  • Offer preventative care for $50, $75, $80, $100
  • Next day coverage or little to no waiting periods for accidental injuries or sickness
  • 12 month waiting period for pre-existing conditions
What are the limitations of limited medical coverage?

This type of plan does not count as minimum essential coverage required by the Affordable Care Act and is not suitable to serve as your clients’ only medical coverage. Although the premiums may be lower than a major medical plan, the benefits are also lower and more restricted.

You may have clients who need to supplement their existing coverage, but who are worried about affordability and value. With limited medical coverage, they have the option to take advantage of low premium rates, discounted network rates, and even access to non-insurance benefits such as a prescription savings program, 24/7/365 video and phone access to quality physicians, and a patient advocacy service.

Learn more about how limited medical options may be ideal for your clients by:

 

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.

Sources:

1: “October: National Breast Cancer Awareness Month.” U.S. Department of Health and Human Services. https://healthfinder.gov/NHO/OctoberToolkit.aspx

2: “High – and Low-Fat Dairy Intake, Recurrence, and Mortality After Breast Cancer Diagnosis.” Candyce H. Kroenke Marilyn L. Kwan Carol Sweeney Adrienne Castillo Bette J. Caan. https://academic.oup.com/jnci/article/105/9/616/986948/High-and-Low-Fat-Dairy-Intake-Recurrence-and

3: “Lifestyle-Related Breast Cancer Risk Factors.” American Cancer Society. https://www.cancer.org/cancer/breast-cancer/risk-and-prevention/lifestyle-related-breast-cancer-risk-factors.html

4: “Lifestyle: How Our Lifestyle and Choices Affect Breast Cancer Risk.” Breast Cancer Now. http://breastcancernow.org/about-breast-cancer/what-can-cause-breast-cancer/lifestyle