Search Results for: 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!

Traveling While Pregnant: Tips for Future Moms

flying when pregnant

If you’re an expecting mother, it’s understandable to be worried about flying when pregnant. While flying is generally not harmful during a low-risk pregnancy, there are potential side-effects and factors to consider before taking a trip.

Before you take off, you should always consult with your midwife or doctor about any health issues or pregnancy complication to confirm it’s safe for you to fly when pregnant.

If your midwife or doctor have said you’re okay to fly, chances are you have nothing major to worry about. But just because you can fly, doesn’t mean the idea of flying when pregnant isn’t still scary. But if you follow these tips and tricks, we guarantee you’ll have a safe (and enjoyable) flight.

Tips for Flying When Pregnant

When you’re pregnant, the safest time for you to travel is during your second trimester, which is between the 18 and 24th weeks of pregnancy. This is the safest time because your risk for miscarriage and preterm labor are at their lowest.

It’s generally not advised for you to travel during your third trimester, so if you’ve planned any traveling, you should try to stick to a domestic travel destination within 300 miles of your home in case there are any sudden changes.

Tip: Check in With Your Doctor Before You Fly

Before you fly, you should ask your doctor to write you a letter giving you permission to travel, noting your due date, and detailing any pregnancy complications that a doctor at your travel destination might need to know. You should also ask your doctor the following questions:

  • How should I prepare for any temperature or climate change?
  • Are there any factors I should consider about flying?
  • Are any special medications or vaccinations required for my trip?
  • Are there any special food restrictions I should keep in mind?
  • Are there any activities I should avoid?

By asking these questions you can learn the dos and don’ts of flying and traveling when pregnant.

Tip: Check in With Your Airline

Not all airlines have the same policies regarding women flying when pregnant. In fact, some airlines don’t allow more than 35 weeks pregnant to fly. So before you book your trip, you should ask the ticket agent or airline representative about what those restrictions may be.

Even if there are no restrictions, you should still contact the airline to guarantee any special service you may need to keep your comfortable on the flight. We recommend that you avoid smaller planes that fly low, and instead choose a larger plane with pressurized cabins.

You should also keep in mind you most likely won’t be able to waive any ticket change fees and penalties that are incurred.

Tip: Don’t Fly if You Have Any Pregnancy Complications

Women who are experiencing complications associated with their pregnancy are considered “high risk” and shouldn’t be flying when pregnant as they near their due date. These complications include diabetes, sickle cell disease, hypertension, and risk for premature labor.

You should also avoid air travel when you’ve had a placenta-related problem or if your doctor has advised against it based on your current state or medical history.

Tip: Pick the Right Seat

Picking the right seat for your flight can make all the difference when it comes to overall comfort. For the smoothest ride, you should request a seat in the middle of the plane over the wing. If you need more legroom, you should consider paying for an upgrade that will allow you stretch and flex your fee to minimize and prevent swelling.

Tip: Dress Comfortably

Comfort is important when you’re pregnant, especially when you’re pregnant on a plane for an extended period of time. To make your flight more comfortable, you should wear loose clothing and avoid crossing your legs. You should also wear your seat belt strap over your lower lap and keep it securely fastened just in case there is there is any turbulence during the flight.

You should also wear comfortable shoes and try to take regular walks around the plane every 30 minutes. This will aid your circulation and help lessen any risks of blood clots.

It’s also important to pack lightweight clothing you can easily layer to accommodate any changes in temperature and climate that occur when you reach your travel destination.

Tip: Pack Appropriately

Every mommy-to-be should pack a travel bag that will keep her safe, comfortable, and happy while traveling. While you should travel light and smart, you should also make sure you have the following things:

  • Compression socks to promote blood circulation
  • Small lumbar pillow for sleeping
  • Snacks like granola and trail mix
  • Anti-nausea medication
  • Easy-to-wheel luggage

If you’re not sure what else to bring, check out a mommy blog for

In general, remember to pack light and avoid heavy lifting so you don’t get injured! If you’re less suited for long-distance traveling or at risk, Green Trousers has products that can make getting around easier.

Tip: Bring a Copy of Your Prenatal Records

You should always bring a copy of your prenatal records and medical notes on your flight. You should also research where the nearest hospital or medical facility is located at your travel destination. These records will help a local doctor understand the circumstances of your pregnancy if a situation arises.

You should also keep your health insurance on you at all times and remember that medical expenses abroad are generally higher. If you do require foreign medical care, make sure to keep copies of all health care receipts.

Final Thoughts on Traveling When Pregnant

Traveling can be fun, but if you’re pregnant it can be tiring and often overwhelming. If you’re traveling when pregnant, remember to take care of yourself and travel on your terms. Don’t feel guilty about bailing on activities that are exhausting, and if need be, take some time to pamper yourself on your trip.

Are you a mommy-to-be about to go on a trip? Are there any tips or tricks we missed? Let us know in the comments!

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!

Mark Your Calendars! Tomorrow Is Wellness Day!!

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Stop by your local Walmart this Saturday for Walmart Wellness Day! From 10am to 4pm, everyone will have access to free blood pressure and blood glucose tests, free vision tests where available, low cost immunizations, health insurance info, free product samples and more!

One-day only event on Saturday, January 14th from 10am-2pm.

5 Amazing Ways to Take the Fear Out of Dentistry for Kids

Do you need your child to get dental care without letting her anxiety and fear get the best of her?

Don’t worry. There are plenty of helpful tips you can follow.

You as a parent definitely need to take heed of these tips, since you likely have some of your own anxiety to deal with.

Dentistry for kids is important so they can grow up to be as healthy as possible. Your dentist will be vital in helping your child learn to brush and care for her gums and teeth.

With this thought in mind, follow these five tips.

Taking The Fear Out Of Dentistry For Kids

1. Let Them Play Before the Appointment

Children are bundles of energy in general, so having them sit still for the dentist can be a real chore. To mitigate some of this, you should let your child burn off as much of her energy as possible.

Allowing your child to play outside is great to produce positive endorphins. This will ensure that she’s in a great mood once it’s time for the appointment.

Parents sometimes forget that kids have tough days and their own emotional trials. Play lets your child process her emotions and curbs fear.

By the time she gets to the dental appointment, your child will be well-rested, attentive, and ready to go.

2. Take Your Child to Meet the Dentist

Think of your child’s dental appointment as the big show. If this is the case, meeting the dentist on more relaxed terms can serve as the dress rehearsal.

Find a family dentistry practice that’s great at working with kids. Schedule a quick meet and greet for your child. Ask the dentist if they’ll allow your child to sit in the dental chair and simulate a cleaning and inspection.

After this walkthrough, your child will have a rapport with the dentist. She may even feel excited to go through with the real thing.

3. Have a Pretend Session to Get Her Used to It

You play a big role in helping your child get the best dental care.

Because of this, be sure to roleplay as the dentist to help her get used to what an appointment entails.

This can be a fun time to not only play make-believe but also teach her some valuable tips about dental health.

4. Pull Up YouTube

YouTube is valuable when it comes to taking the fear out of dentistry for kids.

Your child will be able to browse videos of other kids going to the dentist for the first time.

This way, she’ll build a comfort level that curbs her anxiety and lets her learn tips from a dental hygienist.

5. Choose the Right Dentist

Above all, you need to find the help of a dental professional that’s great at working with kids.

Touch base with your dental insurance provider for some recommendations on in-network dentists. Your child will instantly be at ease when she’s in capable hands.

Do you have any other tips to help your child curb her dental fear? Let us know in the comments below!

Get Your Hands Dirty: How To Start A Home Cleaning Business

Who wants to live the rest of their life making someone else rich? The only way out of this conundrum is to go into business for yourself.

And what better way to do so than by starting a home cleaning business? If you have experience as a housekeeper, maid or are really great at cleaning your own home, then this could be for you.

What’s great about this industry is that it’s very lucrative. After all, people will always need their homes cleaned and most lack the time to do it themselves. Plus, landlords require your services when tenants move out.

So there’s definitely a market for it.

Back in 2010, there were over 824,000 cleaning workers. The 50 largest cleaning companies made up about 30% of the revenue. Yet only 7% of cleaning workers were self-employed. So that means less competition for you in the small business sector.

Now, let’s review what you have to do to jump-start your home cleaning business.

Do Your Own Assessment of the Industry

There are many factors that play a part in determining whether starting a cleaning business is a good idea. For instance, the area you live in and your own skill set.

What makes this an attractive option is the low overhead required to start a home cleaning business. All that matters is that you and your employees work hard to maintain a happy customer base.

You’ll need to be in good physical condition, which means having the ability to stand, kneel, reach and bend repetitively. However, if you’re not fit, this doesn’t exclude you from being a business owner.

In this case, you can open up shop and then supervise employees who can handle the cleaning tasks.

What Office Skills Do You Have?

The more office skills you have, the fewer employees you’ll need to hire. For instance, you’ll need to know how to answer phones, schedule appointments, file paperwork and do your bookkeeping.

Then when tax season comes around, you’ll have to file accordingly. It’s also important to be very detailed, so you know exactly what your customers need to provide satisfactory cleaning.

Write Up a Business Plan for Your Home Cleaning Business

Once you’ve assessed the industry and your ability to run a cleaning business, it’s time to start planning. And the best way to do this is with a business plan.

This is mainly for your own use unless you need a loan to get equipment and vehicles to operate your company.

In your plan, go over details about the type of cleaning services you’ll offer, what demographics and locations you’ll target and whether you’ll have a niche. For instance, you can offer a “green” cleaning service for eco-friendly customers.

Next, go over your pricing plans – will you charge by the hour or per sq ft? Research what your competitors are charging and how, so you can gain a competitive edge.

Now, you don’t have to lower your rates to compete. You can offer greater quality or a different range of services to attract customers.

Set Up Your Accounting System

This has to be set up well before you begin operating. It’s important to keep track of all invoices, expenses, sales tax, payroll, and income.

Keep your business finances separate from your personal expenses. This will only muddle things when it comes time to file taxes for your company.

You can use an online software, such as Quickbooks to make things easier. Or you can work with an accountant. Either way, it’s good to keep track of your finances in the physical, so keep a record book on hand.

Apply for Insurance and Bonding

Customers like to work with businesses that are licensed, bonded, and insured. If you advertise this in your promotions, then it’ll help build trust.

There are different types of coverage you can seek. For instance, you’ll need liability insurance (depending on where you live). Options include yearly or quarterly payments, and bonds are readily available at local insurance companies.

Make sure to renew your bond annually. Do note that each employee you hire will hike up your insurance rates. So make sure you’re hiring people who are trustworthy and careful.

It’s also important to know that you can only cover employees under your insurance, not sub-contractors. However, you can check your policy to make sure.

Purchase the Supplies You Need

The products you purchase for your home cleaning business depends on the type of services you offer. For instance, if you boast eco-friendliness, then you need to acquire natural cleaning products.

It’s good to go with brands your customers heard of. This way, they already know and trust the products you have. Otherwise, you’ll have to educate them on why it’s healthy, good and reliable.

Make sure to ask whether the customer has specific cleaning supplies for certain appliances.

Then you’ll have to decide whether you want to use the customer’s vacuum or tote around your own.

Begin Advertising Your Services

Now, it’s time to get the word out about your new home cleaning business. You can easily do this with a mix of online and offline marketing. For instance, you can use social media, pay-per-click ads, fliers and feather flags.

Make sure the business logo, name, numbers, rates, and services are consistent on all your marketing collateral. You can choose to post your rates are only disclose it to prospects who call (to keep competition down).

Get Transportation and Uniforms

Presentation and consistency are everything in business. So you need professional cleaning uniforms and a reliable means of transportation.

You have to determine whether you want employees to use their own vehicles or supply them with one.

Continue Learning About Becoming an Entrepreneur

There’s a lot you can learn when you find the right online resources. At Thrifty Momma Ramblings, you can find tips and advice for running a thrifty business and living frugally.

If you’re looking to start your own home cleaning business, then browse through Thrifty Momma Ramblings blog for more thrifty business tips.

5 Tips to Help Your Child Overcome Their Fear of the Dentist Office

Taking a visit to the dentist office can be a downright frightening experience if you allow fear and anxiety to get the best of you.

It can keep you up all night knowing that you’re only a few days away from that dental appointment.

Over and over again, you probably hear the sounds of drills, imagine yourself biting down on bloody gauze and praying that the pain will be over soon. Your imagination makes something as pleasant as a dental visit out to be a nightmare.

Now imagine what your child is going through.

To free your child by putting their mind at ease before a dental appointment, consider these tips.

1. Place A Visit To The Dentist Office

If you want your child to be happy and eager to visit the dentist, take them in for a visit to the dentist office.

By visiting the dental office without an appointment, you and your child will both get to meet the dentist and take care of any concerns.

For best results, you should find a pediatric dentist, since they’re skilled at helping kids feel at ease.

When you visit the dentist office, make sure that you come prepared with plenty of questions. For example, ask about their procedures, whether they take your dental insurance, and how you can book appointments.

Allow your child to ask questions as well, and you’ll both leave eager for the appointment.

This is an important step in helping your child understand the importance of good health practices.

2. Help Your Child Calm Their Mind

The key to beating anxiety about visiting the dentist or anything else is to take control of your wandering mind.

Meditation sessions are excellent in this regard.

Don’t think that your child is too young to learn how to meditate. By learning to focus on their breathing, they’ll stay present and calm during the dental visit.

3. Act It Out With Them

You can make this entire process fun and exciting by turning it into play.

Take turns playing the dentist and patient role. Simulate it as close to an actual appointment as you can — to include the sign-in process in the lobby, your child’s name getting called and undergoing teeth cleanings.

Bonus points if you can find a dentist mask and wear it!

4. Watch Some Videos Of Other Kids Going To The Dentist

Kids today are incredibly tech savvy, so don’t hesitate to use the web to help.

You can visit YouTube and find plenty of videos of kids going to the dentist for their first appointment. Your child will get to come out of themselves and see another kid going through what they’re going through.

It’s easier for your child to feel brave when they have an example in front of them.

5. Explain To Them The Importance Of Dental Care

When your child knows why dental care is so important to supplement their health, they’ll look forward to the visit.

Explaining the importance of brushing and flossing, preventing cavities and eating healthy are crucial, so take some time out for this.

We’d love to hear how you help your child beat their fear of the dentist. Leave us a comment!