Search Results for: Health insurance

How to Get Cheap Health Insurance for Self Employed Moms

health insurance for self employedNo one can dispute that health insurance is important, especially in a country with healthcare costs that are so high. 45.7% of companies provide health insurance for their employees.

But what do you do if you’re self-employed? 31% of self-employed people with no employees have no insurance. How can you avoid being part of this statistic without breaking the bank?

Read on to find out more about health insurance for self-employed people!

Understand What’s Available in Terms of Health Insurance for Self Employed

Healthy insurance may feel like a must, but there are many options to choose from in the kind of insurance you can get.

Federal or State

Under the Affordable Care Act, states must either run their own insurance marketplace or use the federal one.

On these marketplaces, you’ll find private companies selling government-vetted policies that offer a variety of coverage amounts.

Healthcare Sharing Ministry

If government-run exchanges aren’t your thing, you can still find reasonable health insurance for self employed people.

With healthcare sharing ministries, your monthly premium contributes to not only your healthcare but other members of your same group.

This is a great way to cut costs, though, as with everything, research is needed to ensure you’re getting the right coverage for you and your family’s needs.

Health Savings Account

A Health Savings Account, or HSA, is great if you’re looking for a lot of control over your health funds.

An HSA is a high-deductible health plan. Essentially, you put all the money you want into a special account, and then, as long as you spend it on medical expenses that meet the qualifications, you pay no tax or penalty on the money withdrawal.

And, the best part, the money is still yours! So if you need it for a non-medical emergency, you can take it out (keeping in mind possible taxes and penalties), and use it!

Price Comparison: Your Ticket to Savings

Competition is the true beauty of the marketplace. Compare health insurance prices to ensure you’re getting the best deal possible.

Look for Savings

Health insurance can be expensive, but it doesn’t have to be excessive. Look for ways like these to decrease your costs.

Choose the Degree of Coverage

Less coverage means more savings. The ACA offers a “metal” rating system so you can choose a coverage plan that’s right for you. Platinum covers 90% of your out-of-pocket costs, Gold 80%, Silver 70%, and Bronze 60%.

Check for Subsidies

Depending on your income (less than 400% the poverty level), you may qualify for significant savings if you buy through the state marketplace.

You may also get a tax break from your health insurance simply for being self-employed on line 29 of form 1040 if your self-employed income is less than enough to cover to premium.

To do this, report your profits on Schedule C, then deduct the premiums until your Schedule C is equal to zero. Then report the leftover premium costs as an itemized deduction on Schedule A.

This may or may not work, but it’s worth a try to save money on health insurance for self employed!

Looking for a way to bring in some extra cash to offset insurance costs? Check out easy ways to make money here.

Curious about more ways to save money or improve your self-employed mom life? Feel free to contact this blog!

How to Save Money on Independent Health Insurance

Independent Health Insurance Saving money on independent health insurance can change your life for the better, especially when it saves you money! Although the hunt for a cost-saving plan can be a tiring one, it is well worth the energy.

Whether it’s a covered Fresno resident or an LA native, finding the right independent health insurance plan doesn’t always mean it has to be the most expensive.

There are a number of ways to save money on independent health insurance. Here are some of the most effective:

Do the Research

Don’t just settle for Google searches or chat forums. It’s so important to talk to friends, relatives and trusted third parties. Listen to their experiences and gain insight that will benefit your search for the best plan.

There is no better resource for finding the right independent health insurance than people in your network who may require the same care you do.

If you have a good relationship with your primary care physician, don’t hesitate to take the conversation into their office. Receptionists, nurses, and doctors are all people, too. And, they might have insider tips to help you save more money!

Shop Around

Go a step further by chatting up insurance agents from different companies. Keep notes about each provider, and be prepared to compare differences in coverage and cost.

If coverage from one provider is the same as another but has a bigger price tag, talk about it! Ask questions, and see if there are other options that can match or reduce the cost you’re looking at.

Keep notes about each provider, and be prepared to compare differences in coverage and cost.

If coverage from one provider is the same as another but has a bigger price tag, talk about it! Ask questions, and see if there are other options that can match or reduce the cost you’re looking at.

Cut Costs Even More

Using these tips, you can save beyond the price of independent health insurance.

Non-insurance options

These types of discounted plans can be offered by banks to customers or unions and nonprofits to their members. Contact a representative to find out what the qualifications are.

Find a local dental program

Schools and dental academies are always looking for patients to practice on. And don’t worry, everything is supervised by professional educators. The cost of these services is extremely low, and the quality of the service can sometimes be better than a regular dentist office.

Visit clinics instead of the ER

Trips to the emergency room can rack up a lot of money. Unless the situation is an actual emergency (if it is, go to the emergency room!), opt for an urgent care clinic instead.

Use free screening services

Use the state website to find low-cost or free preventative screening services. Find out the ones closest to you here.

Keep tabs on medical bills

Sometimes the administrative personnel at hospitals or doctors can make mistakes. Watch bank account statements to ensure that you are not overcharged for visits and services.

Mix it up

If someone doesn’t need medical, dental, and vision insurance, weigh different options. Maybe medical and vision are crucial, but dental work will be sufficient with dental school visits. There are always options. Weigh them, and pick the best combination for the lowest cost.

One of the key takeaways is to always ask questions. Ask insurance agents any and everything that comes to mind.

After all, the more someone knows, the more they can save!

Check out more beneficial tips here at our blog!

Protect Your Health with Insurance

The cost of living is on the rise which includes insurance costs. We are very fortunate to have a great plan at my husband’s job. The cost of medical care is even more expensive, without any kind of health insurance. It only takes one medical emergency to wipe out a savings. If you live in North Carolina then check out NC health insurance.

How to Maintain a Happy and Healthy Family

healthy familyEnsuring the health and happiness of your family starts by example.

Are you making the effort to take care of yourself between getting the kids ready for school and running around doing errands? A few simple switches in your routine can make a world of a difference in maintaining a healthy family.

How do you know where to start?

We have the simple tricks you need to get everyone back on track to a better life.

Ready to learn more? Read on!

1. Prepare Healthier Meals

Do you find yourself popping more meals in the microwave than in the oven?

If so, your family’s health may be suffering. A little planning ahead can make a big impact on everyone’s eating habits.

Go grocery shopping with a plan in mind for the week and keep to it.

Will you have time to make dinner every night or should you plan to make extra for leftovers? Meal prepping makes the cooking process much easier throughout the week while ensuring everyone is eating better.

If all the members of your family are on-the-go, try adding some healthy snacks to the mix. Choose trail mix with bits of chocolate instead of candy bars. Or, grab baked or tortilla chips for the potato-chip-lovers in the house.

2. Set a Sleeping Schedule

If your kids are a little older, they probably might not have a regular bedtime anymore.

Between early mornings to work and taking care of things around the house, you and your partner may not get enough shut-eye either.

However, better sleep can improve everyone’s overall quality of life. The many benefits of sleep include an improved memory, sharper attention span, and even a longer life.

Maintaining a good sleeping schedule is almost like having the best life insurance policy. You’re investing in your health now to make sure your family stays in tip-top shape as you all grow.

Plus, sleep improves your mood. When everyone in the house is sleeping better, you may find yourselves all getting along more, too.

3. Play More

The more everyone’s mood improves, the more you can encourage play in the house, too.

You may think your kids get enough play time on the soccer field at school. However, when is the last time everyone got together for some fun?

Playing is essential to a healthy family no matter how old you all are. It creates a better family dynamic by relieving stress and creating special, happy memories.

If your family struggles to make playtime because of busy schedules, try to encourage coming together at least once a week.

Pick a day to have a game night (at a decent time) or plan a weekend trip in the nearby area. For even greater health benefits, try exercising together.

You’d be amazed what some quality time can do to increase the level of happiness and unity in your family.

A Healthy Family Means a Better Life

Creating healthy habits for you and your family may seem overwhelming, but it can be as easy as the steps listed above.

The more effort you make to play, sleep, and eat smarter, the better everyone’s health and mood will be.

While you’re at it, it never hurts to score great deals and learn frugal tips to keep a financially-healthy household as well!

Have you tried any of tips mentioned? Tell us your favorite tricks to maintain a healthy family in the comments below!

The Incredible Effects of Prenatal Massage

prenatal massageIf you’re not familiar with prenatal massage, it’s a type of massage that’s similar to regular massage. However, it’s customized to a pregnant woman’s needs.

A pregnant woman’s body is constantly changing. Prenatal massage helps ease sore areas, improves overall circulation and mobility and relaxes tense or sore muscles.

It also helps pregnant women “just feel good”.

A trained prenatal massage therapist adjusts their massage techniques to the needs of a pregnant woman, focusing on the neck, back, abdomen and shoulders.

They understand that a pregnant woman has very specific sore and swollen areas, and can help provide deep relief.

They’ll also know what areas to avoid.

Let’s take a further look into the benefits of prenatal massage, and find out if it’s right for you.

The Many Benefits of Prenatal Massage

There’s not a ton of high-scale research that’s been done on the overall therapeutic benefits of this type of massage. However, smaller studies tell us that prenatal massage can:

  • Lower stress and improve mood
  • Reduce swelling in legs
  • Help diminish anxiety and prenatal depression
  • Lower the risk of premature birth or low birth weight in babies of women suffering from prenatal depression

Prenatal massage also helps put pregnant women in a better overall mindset. It can help them cope with all the huge changes that are about to transpire in the coming months.

Remember to tell the massage therapist about any and all areas of the body that need attention. If anything is causing discomfort during the massage, don’t hesitate to let them know.

Find the Best Therapist Possible

Start out by getting recommendations. These can come from your hospital, healthcare provider, or friends and family

If you’ve used another massage therapist in the past and enjoy their work, find out if they have prenatal massage training or can direct you to a colleague who does.

Also consider visiting the American Massage Therapy Association. They have an online referral system that will show you recommended therapists throughout the US, Puerto Rico, Canada and the Virgin Islands.

If you’re in the Colorado Springs, CO area, Turning Point Medical Group is a great choice.

Some therapists will request clearance from your midwife or doctor prior to providing treatment. Make sure to ask about this as soon as you can.

Also, make sure to remind your therapist when you arrive that you’re pregnant.

How Much is it Going to Cost?

In general, a one-hour massage session will run anywhere between $60 – $150 (sometimes more depending on your location).

Keep in mind that some health insurance plans cover parts of the cost, even if you’re self-employed.

This is only true, however, if you get a prescription from a midwife or doctor that indicates massage therapy is needed for medical reasons (like severe back pain).

If you have a Health Savings Account or Flexible Spending Account, you can pay for the massage therapy out of either and save money on taxes. All you’ll need is paperwork from the provider that shows the massage as a medically necessary procedure.

Have You Tried It Yet?

We’d love to hear your thoughts about this type of therapy and if it’s been beneficial for you and your baby.

Have you had a good experience with a prenatal massage? Let us know in the comments!

The Best Car Seats That Are Affordable

car seatsSo, you want the best car seats to keep your children safe, but you don’t want to have to spend an arm and a leg?

You’ve come to the right place.

We reviewed the best convertible car seats, the ones that can grow and change as your child ages, to get you the most for your money.

The best part? All of these are under $200.

Let’s break it down.

The 3 Best Car Seats Under $200

The most important factors to consider when shopping for car seats are:

  • safety
  • durability
  • comfort
  • and cost (in that order)

Keeping your child safe from impact, air bags, and other dangers in the car is obviously the most important factor.

Once you find a car seat that meets safety standards, you’ll want one that is going to survive spills, crumbs, crafts, and tantrums.

You’ll also need one that can keep your child comfortable enough to nap in and help them stay happy in the car.

Here are our top 3 choices:

1. The Evenflo Maestro Booster Car Seat

This versatile car seat can hold children from 22-50 pounds as a car seat and 40-110 pounds when converted to a booster.

This car seat is definitely safe, as it was awarded Best Bet by the Insurance Institute for Highway Safety.

It is easy to install and transfer between vehicles because it is lightweight and comes compatible with standard LATCH systems.

The pad is comfortable and machine washable, making spills and messes no problem to clean up.

Believe it or not, this car seat and booster is super affordable: at only $80!

2. The Safety 1st Grow and Go 3-in-1 Car Seat

3-in-1 car seats will cost you a little more up front, but their outstanding lasting power will save you from having to buy a new car seat every time they outgrow a weight class.

This one, however, is still super affordable at only $169.99.

It has superior side impact protection, an easy in, easy out harness system, and a machine washable pad.

This seat can start off rear facing with your newborn as small as 5 pounds. It can support rear facing seating up to 40 pounds, so you don’t have to switch to the traditional front facing until their legs outgrow it.

It can then convert to front facing and hold up to 65 pounds until you’ll eventually need to convert it into a booster.

3. Baby Trend EZ Ride 5 Travel System

This is the best jogging stroller and carseat combo. If you’re constantly on the move, this is the right car seat for you and your child.

Surprisingly, it’s only $139!

The car seat can support up to 50 pounds and has incredible versatility features to make it fit your needs.

It has a height adjustable handle, a drink and snack tray, a 5 point harness system. All this and it only weighs 36 pounds altogether.

Now You Know!

See? A great and versatile car seat can be affordable! The trick is to decide which features are most important to your lifestyle.

If you liked this post, check out some other recent highlights, like this one on cutting waste or this one on eating healthy!