The Business Traveler’s Guide to Travel Insurance

The Business Traveler's Guide to Travel InsuranceIf you spend the majority of your time inside of a plane cabin, then travel insurance is something you should definitely look into. 

Do you spend the majority of your time suspended 30,000 feet in the upper troposphere–the altitude in the atmosphere in which commercial airplanes tend to fly? Do you see the inside of a plane cabin more than you do the inside of your own room? If so, travel insurance is something you should not consider optional. It is something that is crucial to you and could save you money and your life. Here are a few things you should consider when you purchase your travel insurance policy.

  1. Health insurance policies are not created equal. 
    Your employer may provide health insurance, and as long as you remain in the country that’s fine. But what if you travel to a foreign country? The general health insurance policy becomes void when you go outside of the country. Travel insurance can cover medical injuries and property damage outside of the U.S.
  2. You shouldn’t try to fool your insurance company.
    If you use a car primarily for business purposes, your insurance will not cover you if you get into an accident while using it for business. In other words, if you use it for personal reasons like driving to the store, school, or pizza, personal auto insurance will provide you with coverage. If, on the other hand, you are traveling to a business meeting or delivering your product, you need commercial auto insurance.

Travel, by its very nature, is something that requires precaution! Make sure you are not caught off guard with the right insurance policy that provides coverage for all of your needs. For your all-encompassing insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates today!

American Heart Month: A Month to Raise Awareness

American Heart Month: A Month to Raise AwarenessHeart is where the health is, and as the leading killer of men and women in the U.S., it is important you know how to keep your heart healthy.

Along with Black History Month and Valentine’s Day, February is also American Heart Month which aims to raise awareness about heart health. Visiting your doctor, exercise, and eating right are the perfect first steps you can take to better assure that you have a healthy heart. Let’s go more in-depth about why these actions can lead to a healthier heart.

  1. Visit your doctor.
    You should visit your doctor at least once a year to do a regular check-up. Medical professionals can detect any irregularities in your heart. Early detection is crucial as adjustments to your diet and exercise routine can be done in order to procure a positive result.
  2. Exercise regularly.
    Your muscles need exercise in order to remain strong and healthy. Your heart is no exception to this rule. Start off by walking 15 minutes three times a week, and then increase this to 30 minutes three to four times a week. Swimming and cycling are exercises you can practice that are excellent for your heart, and considered to be low-impact sports.
  3. Eat more vegetables–less meat. 
    Red meat has carcinogenic effects that debilitate your heart. Limit your meat consumption to once a week; this is beneficial to your heart and to the environment as livestock are the fifth-largest producers of greenhouse gasses.

This February and 2017, make an effort to get your heart healthy! These helpful tips may get you on the right track to a healthy heart; talk to your doctor for professional medical advice about what you can do for your heart. For your all-encompassing insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates today!

Savings from Medicare Advantage Are Reaching Far and Wide

Savings from Medicare Advantage Are Reaching Far and Wide

Medicare Advantage is proving to be as cost-effective and effective on the healthcare system as it was originally intended to be.

Tailored care coordination, comprehensive benefits, disease management programs, market competition–these are pieces of the overall puzzle that make Medicare Advantage the foundation for care delivery innovations across the whole health system. Medicare Advantage is implementing certain practices like increasing provider efficiency in the delivery of clinical care and cost-effective practices, and reducing spending in the free-for-service Medicare program.

Growth in the proportion of Medicare beneficiaries that are also enrolled in Medicare Advantage, also known as the “penetration,” is correlated with a slowdown in Medicare free-for-service spending growth.  In countries where the penetration is highest, a 10 percent point increase in Medicare Advantage penetration is associated with a $154 drop in annual per capita costs for regular Medicare. It’s the implementation of best practices and care guidelines with their contracted network providers that change practice patterns not just for the members of the Advantage, but for all patients that are taken care of by these providers, including those that are enrolled for traditional Medicare.

The spillover effect is an economics theory that states that once a certain, usually more expensive fund is filled, the remaining capital will overflow into the next round and so on, in essence giving the underprivileged a way to live. (Whether or not it works in the real world is another story.) The spillover effect, the study found, is significant enough that it actually makes Medicare Advantage cost less than traditional Medicare on average, and has contributed to the recent downward trend in fee-for-service spending.

Having the right healthcare plan is important for your life because medical bills can be extremely expensive. You can buy that peace of mind! For your all-encompassing insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates today!

Toys and Treats: The Best Your Pets Can Chew

Toys and Treats: The Best Your Pets Can ChewKeep your furry friends entertained and safe with these excellent chew toys.

Pets are family members; like any other member of your family you want to make sure they are safe, and since dogs and cats will put anything in their mouth, it’s important that what they do put in their mouth is safe for them. Here are some thoughts from the Humane Society of the U.S. to help you make wise choices when buying chew toys for your pets.

Dog Safety

  • Balls are the most basic toy out there and the most common. One handy rule of thumb is to watch for your dog’s yawn. You don’t want to buy a ball that will slip through and get stuck in their windpipe. Purchase a ball that’s 10 percent larger than their throat to avoid the worst-case scenario.
  • Careful with any toys with squeakers as they could get caught in the dog’s throat. They are also incredibly annoying at 10:00 PM and you’re trying to read or watch TV.
  • Make sure that your toys are durable for strong chewers. Toys filled with beads and fluff can harm the dog.

Cat Safety

  • Luckily for you cat owners, cats are easy to please. A simple box, a crumpled-up paper ball, a toilet paper roll. A cat can find pretty much anything entertaining.
  • If you choose to play with a laser pointer, be sure to reward your cat after a good play session. There are some that believe that never catching the point of light frustrates the cat.
  • String, ribbon, yarn, and dental floss should all be kept out of reach from a cat. They love to chew and swallow these items which then makes for an awkward removal process out the other end.

For all of your pet insurance needs to ensure you have the right coverage, contact Miller Insurance Associates in Carlisle, Pennsylvania.

Samsung Recalls Galaxy Note 7 After Batteries Explode

Tech-giant Samsung recalled its new Galaxy Note 7 after the battery started exploding on consumers.

The CPSC reported that Samsun received 92 reports of the batteries overheating and exploding in the U.S., including 26 reports of burns and 55 reports of property damage. If you own a Samsung Galaxy Note 7, you need to power down and take it back to your carrier as Samsung has started its recall of the Galaxy Note 7 that were issued before September 15th, 2016.

But Why Are Batteries Exploding?
You may be asking yourself, “Why are these batteries catching on fire?” Well, let’s get to the science behind cell phone batteries and why they could explode.

A battery is made up of a positive part (the cathode), a negative part (the anode), and a liquid or gel that separates the two (the electrolyte). The chemical reactions inside of the battery allow for the electrons to move around and create energy to power things–like our phones, laptops, and everything else that requires batteries.

Lithium batteries can be made incredibly compact and are also rechargeable, so that’s why they are used for all kinds of electronics–like cellphones and laptops and Tesla engines. The electrolyte, in this case, is a polymer structure that still allows for the flow of the lithium atoms in order to charge the battery anew. When the separator gets damaged and allows for the lithium atoms to move freely, it can cause a short-circuit, which then leads to more and more thermal chemical reactions which can then cause the battery to catch fire and/or explode.

Samsung reported that this issue was due to a manufacturing problem for the very first phones that were produced.

To protect you against exploding cell phone batteries, or most other injuries, a comprehensive battery is required in order to financially protect you against those expensive medical bills.

You can buy that peace of mind! For your all-encompassing insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates today!

Safety Tips When Trying to Catch ‘Em All With Pokémon GO

Safety Tips When Trying to Catch ‘Em All With Pokémon GOAt long last, the moment Millennials have been waiting for; after 20 years comes an interactive and virtual Pokémon game.

There are Pokémon among us–albeit virtual. They’re in our parks, streets, grocery stores, restaurants, homes, and even in our beaches. Millions of people have downloaded the game and gone outside to catch these pocket monsters. Pokémon GO augments reality to show the creatures in real-world locations using smartphone cameras and GPS. If you decide to become a true Pokémon Master and “catch ‘em all,” be sure to follow these safety tips.

  1. Be Alert and Aware. You obviously don’t want to let that Snorlax go, but you also don’t want to walk into traffic or off a cliff; so keep your gameplay contained to parks and open spaces. Be aware of who’s around you and try to keep your eyes off the screen while walking.
  2. Don’t “Mon-go” and Drive. In the wise words of Professor Oak, “There’s a time and a place for everything.” When you’re driving, pay attention to the road–not your screen. It only takes one glance at your phone to react slowly to traffic up ahead and be involved in a potentially nasty collision.
  3. Careful for Lures at Night. Lures are special drop zones which attract Pokémon. They are generally at parks, cafes, and other places where one would hang out. While fun during the day, at night they could be traps. Always be wary when going to a lure at night because you never know who set it.

Being “the very best like no one ever was” is an accomplishment that will mean nothing if you don’t have the right insurance to protect you from accidents you may encounter along the way. You can buy that peace of mind! For your all-encompassing insurance in Carlisle, Pennsylvania, contact Miller Insurance Associates today!

Cellphone Etiquette: What Not to Do

Cellphone Etiquette: What Not to DoEveryone has a cellphone these days, and it seems that perhaps some people missed the memo on the Dos and Don’ts of cellphone use.

Smartphones are in everyone’s hand for nearly all hours of the day. Normally, this isn’t a problem on the streets, but when sitting at the kitchen table or secluded setting, phones can be a distraction for you and others around you. While we certainly don’t want to sound like senior citizens trying to lecture you about phone usage, there are some times where you must take other people’s into consideration because that’s what makes people a “good” person. Here are some situations in which you should put the phone in your pocket and keep it there.

  1. The movie theater. Nothing is more annoying than sitting in a theater and watching an emotional scene when all of a sudden, out of the corner of your eye, you see a bright flash of light that completely takes you out of the experience. Keep your phone away during the film, and if you must reply to a text, have the common decency to walk out of the theater to complete your task.
  1. The volume. Don’t yell when you’re on the phone. The person you’re talking to will still be able to hear you if you speak at a normal volume. No one wants to hear your affairs because, frankly, they don’t care, and just want to continue living their lives.
  2. Respect those with whom you are with. When you’re engaged face-to-face with others, either in a meeting, keep your phone down. Giving people your undivided attention is something that not many people do nowadays.

Simply using common decency should be enough of a guide to all cellphone users. No one is entirely innocent when it comes to using phones at the wrong time, but the more aware we are, the better we can end this annoyance. For more tips on how to remain healthy and safe during this month and beyond, contact Miller Insurance Associates in Carlisle, Pennsylvania. We’ll work with you to get you the best health insurance policy that meets all of your need.