June: National Safety Month

June: National Safety Month

Health is something that we take for granted, but with these safety tips, you can guarantee your safety.

Injuries are a leading cause of disability among people of all ages and are actually the leading cause of death for Americans aged 1 to 44. The good thing about injuries is that most of them can be prevented, which may save you a trip to the hospital (or worse). Here are some things you can do to stay safe and prevent injuries. As June is National Safety Month, it’s your time to spread awareness to decrease the amount of injuries one person at a time and make June as safe as possible.

What Can You Do on National Safety Month to Make a Difference?

  • Driving and Biking: Driving and biking pose a big threat to us because most of do at least one of these every single day. Make sure that you use your headlights and your blinkers when necessary.
  • Medication: Keep your medicine above children’s reach in a locked cabinet. If your home does not have a medical cabinet, install a key lock below your sink to keep children from getting into them and taking any dangerous medication.
  • Emergency Preparedness: Disasters occur when you least expect them: Meaning that you should have evacuation plans for fires/earthquakes/floods just in case they happen when you least expect them (and they will). You should also have first aid kits available at the ready in case someone needs any immediate medical attention.
  • Preventing Falls: Prevent falls, slips, and trips in your home by keeping alleyways and staircases free of any obstacles like toys, clothes, or any objects that could pose threats to one’s balance.

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.

Spring Into Safety, Not the Emergency Room

Spring Into Safety, Not the Emergency Room

You may have the heart of a lion, but do you have the body to go with it?

Ah, nothing quite like the smell of spring in the air: flowers blooming, warm air, and a nice breeze. For most, it’s a sign telling them there’s no more excuse to be a couch potato anymore, and time go outside and workout! But going from professional lazy person to amateur active person can go from bad to worse in no time. Your body needs time to catch up with your mind to develop the proper muscles. Also, lungs need to remember how to breathe under stress, and everything else that comes with being active. Don’t become sedentary after you’ve started working out. Follow the following pre-workout procedure to give yourself the best chance to remain active.

Warm up before working out. Those winter muscles need to be loosened up before being exposed to a brand new workout regiment that involves more than moving your video game thumbs.

Pace yourself. “No pain! No gain!” As motivating as it may be, there are certain pains that are detrimental to your body that may end up being very serious. If you feel sharp or repetitive pains, take a break and consult your doctor on what treatment options are available, to see if you need a brace to prevent the pain from coming back. Icing the area may help speed up the process.

Use proper sunblock. While it may not seem necessary, or “cool,” exposing your skin to the bear sun may lead to skin cancer which is even less cool than taking the time to put on sunblock. The science also shows that getting anything above SPF 50 is unnecessary.

For more tips on how to remain healthy during your workouts, and for all of your  needs to help you start feeling your best, contact Miller Insurance Associates in Carlisle, Pennsylvania.

Get a Better Understanding: What Makes a Balanced Insurance Program

Get a Better Understanding: What Makes a Balanced Insurance Program

A well-balanced insurance program is the best way to get your insurance to work for you, instead of against you.

There are some major risks that you take on the second you become a homeowner that never go away. Should they happen, you may be in some major financial trouble. They include the following: major medical bills, destruction to your residence, major damage or destruction of your residence, major lawsuits, disability, and more.

Your insurance program lies in the balance of each of these major risks without spending too much in one area or the other.

Being in balance is very important. For example, one may have a good medical plan with high limits, but no coverage in the long-term disability sector. They may have $1 million for the one that brings home the bacon, but have nothing for the one that sets the table. Their home may be fully covered, but have only $100,000 for lawsuits and no umbrella policy.

Having the right insurance agent is critical for the having the correct policy. By having the right agent, they are able to tell you whether or not you are being covered in the right places, or paying too much for something you don’t really need.

For all of your homeowners insurance needs to ensure you have the right slip and fall liability coverage and balance, contact Miller Insurance Associates in Carlisle, Pennsylvania.

How Are You Celebrating American Heart Month?

American Heart MonthGetting your blood pressure under control can lead to a healthy heart.

February is American Heart Month, which is the perfect time to take a look at what you are doing to take care of your heart. Knowing your blood pressure and what you can do to lower it if it is too high is the first step in taking care of your ticker.

Follow these tips to help get your blood pressure under control if it is too high.

  • Find out what your blood pressure is by talking with your doctor. If it is too high, find out what changes you can make to reach your goal of lower blood pressure.
  • If you are prescribed blood pressure medication, take it exactly as it is prescribed. Set a timer on your phone to help you remember to take your prescription at the same time each day.
  • Don’t smoke. If you are a smoker, quit as soon as possible. If you don’t smoke, don’t start.
  • Reduce your so
    dium intake. The typical American consumes much more sodium than is recommended, leading to higher blood pressure. Pay attention to what you eat and do what you can to lower your sodium intake.

For all of your  needs to help you start feeling your best, contact Miller Insurance Associates in Carlisle, Pennsylvania.

No Health Insurance? Know The Risks

Risks of Being UninsuredThe Risks You Take by Being Uninsured

If you do not have health insurance, you should understand the risks and the costs associated with being uninsured.

Financial
Medical bills can be exorbitant if you have a serious accident or illness. These bills would be unmanageable without any sort of health insurance. You will also face a tax penalty which could be as much as 2.5% of your yearly earnings.

Health
It goes without saying that being uninsured will put your health at risk. You will have less access to effective preventative care, as well as limited choices of treatment should you fall ill or injured.

Relationships
If you support your loved ones financially, they will suffer if you fall ill and have health care bills to pay. They will also suffer financially if they help you with medical bills. Even worse, if your health declines because you cannot get care due to being uninsured, they will see you get weaker and deteriorate.

Society
If you contribute to society by raising children, volunteering, neighborhood watching, and supporting friends and family emotionally, and you fall ill, most likely you will not be able to continue positive reinforcements. Also, if you become disabled because you don’t have access to health care, not only does society pay your disability payments, but it loses out on your future productive contributions.

At Miller Insurance Associates, we provide the most affordable policies for you, explain your choices, and help you to make a decision that’s best for you and your family. Schedule a free consultation to discuss your options today!

Sun & Medication: A Bad Mix

Sun & Medication: A Bad MixIs Your Medication Making Your Eyes Sensitive To The Sun?

Did you know that there are a number of medications that can cause your eyes to become more sensitive to the sun? Antibiotics that contain tetracycline or floroquinolones, birth control, estrogen pills, and common pain relievers like Advil and Aleve can make your eyes hypersensitive to the sun.

This will not only leave you squinting in the sun, it can cause long-term damage to your eyes. Exposing your sensitive eyes to UV rays can cause macular degeneration, cataracts, and photokeratitis (sunburnt eyes).

To protect your eyes, choose sunglasses with 100 percent UV protection. That means that should block UV-A and UV-B rays. If you are going to be out in the sun for an extended period of time, increase your protection by wearing a hat with a brim that is at least three inches wide to increase your coverage. Finally, make sure that you are aware of any medications you might be on that might be increasing your eye’s sensitivity.

Does your health insurance include great vision care so you can protect your eyes this summer? To ensure you have the Pennsylvania coverage you need, contact Miller Insurance Associates in Carlisle today.

The Latest About Health Insurance Coverage

Health Insurance Carlisle PAWhat You Need To Know About Health Care This Year

As of January 21st, 2015 422,284 Pennsylvania residents had signed up for coverage through the health insurance marketplace. Whether you are one of those who took advantage of the recent open enrollment period or have coverage through work or another means, it pays to stay up to date on the way health care is changing in the United States. Here is an update on marketplace coverage.

  • In 2014, Pennsylvanians had 14 insurance issuers to choose from and a total of 41 plans as options. In 2015, they had 15 issuers and 50 plans.
  • During the first month of open enrollment (from November 15th to December 15th, 2014), 79 percent of Pennsylvanians who applied for marketplace coverage were eligible for tax credits to make their health insurance more affordable.
  • As of December 2014, 69 percent of Pennsylvanians who secured marketplace coverage were able to pay $100 or less a month after tax credits are applied for their 2015 coverage.

Do you have an insurance agent guiding you through the changing world of health care? Contact Miller Insurance Associates in Carlisle for the Pennsylvania health insurance you need.