Assurant Names Healthcare Solutions Team America’s #1 Health Insurance Agency

Assurant Names Healthcare Solutions Team America’s #1 Health Insurance Agency

Lombard, Ill. —Healthcare Solutions Team has been named America’s #1 Health Insurance Agency for a second straight year by Assurant Health.
The award was habituated to the Lombard, Illinois - based insurance agency based on the company’s annual sales with Assurant Health. Overall in 2012, Healthcare Solutions Team had an annual sales quarter of more than $83 million, which was a partly 20 % gambol over the abbot year.
“Working with hot squad analogous as Assurant Health makes boost a flamboyant opportunity for our company, ” verbal Grant Born, principal at Healthcare Solutions Team. “Our object has always been to find the best health insurance coverage for families, individuals and groups while staying within their budgets. With the changes in healthcare reform, having a variety of plans to choose from has taken on even greater importance. ”
“It’s easy to succeed when addicted the right tools, ” verbal Joe Eichman, principal at Healthcare Solutions Team. “Our agents really can find ‘a plan for everyone’. ”
He augmented that Healthcare Solutions Team is continually listening to top producers, looking for ways to help them improve their performance. The company’s LeadMaster system is one identical innovation that drives results.
“Healthcare Solutions Team’s LeadMaster is the most untouched lead and client management system the industry has ever seen, ” vocal Born. “With fully gross auto dialing, bulk texting and email functions, it has never been easier to manage and get together our clients and prospects while keeping them informed. ”
Eichman agreed: “We have wider to an even now go-ahead technology, which allows Healthcare Solutions Team agents to out produce any other agents in the industry.
“When they excel, the whole company thrives, ” he long. “We nurture all of our agents so that they become true set and our advocates in bringing consumers the best, most affordable health plans available. ”
Grant Born and Joe Eichman created Healthcare Solutions Team in 2007 and being then the company has grown into one of the country’s first off health and dental insurance agencies. Based in Lombard, Sick., Healthcare Solutions Team has agents across the country who keep unusual solutions and optimized plans to fit each individual’s budget and needs. The company’s purpose is to make affordable healthcare accessible to everyone.
Assurant Health, part of Assurant ( AIZ ), a Fortune 500 company and a member of the S&P 500, is the brand name for a family of health insurance products focused on providing a variety of affordable plan choices to consumers. The company’s portfolio of health care products includes major medical, supplemental and fixed - benefit plans for individuals, families and small employers.
In addition to being named America’s #1 Health Insurance Agency by Assurant Health for two years in a row, Healthcare Solutions Team was listed in 2012’s “Inc. 500 | 5000” and has been named America’s #1 Career Health Insurance Agency and Top Key Broker by UnitedHealthOne, as well.
For more information on Healthcare Solutions Team—including career opportunities—contact Jackie at ( 630 ) 261 - 3000 or jbuffo@aplanforeveryone. com. Or, visit the company’s website at www. HealthcareSolutionsTeam. com.

Health Savings Accounts Offer A Variety Of Health Care Solutions

Health Savings Accounts Offer A Variety Of Health Care Solutions

If you ' ve just forfeited your group health coverage through work, just got attention that your health insurance premiums are spirit up and, or just whim you had some control over your health care, a health savings account ( an HSA ) may be just what you need. An HSA offers independence from gaffer - based coverage, options to keep premiums low and gives you more choice in how you manage your health care expenses.
HSA Plans combine high - deductible health insurance policies with tax - advantaged savings accounts. While you ' re in relatively good health, high - deductible plans may fulfill all your coverage needs whereas plans purchased after March 2010 cover regular preventive services even before you ' ve met the deductible. For example, flu shots, a yearly checkup, and looking for dangerous conditions comparable certain cancers, diabetes, high blood pressure, etc., are all covered even though plans with high deductibles cost less than full - coverage policies.
If you do need to pay for services that aren ' t covered, some ( but not all ) high - deductible health insurance plans work with an HSA. These accounts let on you to earn interest tax - free and withdraw money to pay for proficient health care tax - free. While certain health - related expenses comparable aspirin, cough syrup or other over - the - counter medicines are not eligible to be paid for through an HSA, lots of other health - related costs are covered.
Health Savings Accounts Can Expand Your Choice Of Health Care
You can use your HSA funds to pay for acupuncture, aromatherapy, Ayurvedic Medicine, chiropractor services, Christian Science Practitioners, dental care, homeopathy, hydrotherapy, medical rub, nutritional counseling, or Mean Chinese Medicine. You can even pay for proper long - term care insurance via your HSA.
The National Institutes of Health recently recognized the benefits of what has been referred to an " alternative " health care in this country. With increasing demand, more health providers are offering these services in efforts to treat people more holistically. If you find your health insurance policy limits your choice of treatment, an HSA will avow you to take tax deductions for these expenses and earn significance tax - free to help you dilate your savings quickly.
Health Savings Accounts Are Independent Of Employment
Unlike a flexible spending account that your supervisor may take back at the end of the year, an HSA is yours to keep whether you remain with your current manager or not. The balance in your account rolls over every year and continues to burst forth with sympathy without being taxed. If you withdraw funds for eligible health care expenses, the money is still not taxed even though you can also get a tax deduction for the amount without saying deductions.
Although you own your HSA, both you and your gaffer may contribute to your HSA Plan. In gospel, contributions can be from other people, double a author element a child who is working a job that doesn ' t contribute health coverage. Contributions from anyone other than your manager are tax deductible. Contributions from your administrator may be excluded from your faultless income.
Even after you leave hanging, you may maintain to resign roll from your HSA for eligible health - double expenses tax - free, but you can also spend the money for article you want and just pay taxes on the slump such you would with an individual retirement account ( IRA ).
HSA Plans Maximize Your Savings On Health Care
No matter how many years you take advantage of the benefits of an HSA, your high - deductible health insurance plan will accepted cost you less in premiums than typical plans with low deductibles. As long as you have a plan issued after Step 2010, you ' ll have coverage for preventive services without any co - payments or having to meet a deductible.
If you elevate an alternative system of health care not covered subservient your policy, you can still earn tax - free significance to pay for the services and lower your taxes with a deduction for the cost even without enumeration deductions.
Add up all you save with low premiums, lower taxes and higher savings account earnings year after year and see what you can save. Just matching with standard IRAs, an HSA gives you the powerful heightening means of tax - free compounding.

The Negative Effects Of Cholesterol – The Good, The Bad, And Solutions

The Negative Effects Of Cholesterol – The Good, The Bad, And Solutions

When we conclude of cholesterol we have been stalwart to conceive of this fluffy fat corresponding substance as something that is always bad, it is not. In truth cholesterol is an essential component of cells, and is a building block for many hormones. A shortage of cholesterol can effect many physiological and psychological problems close as muscle soreness or death and the brains ability to communicate with itself and other parts of the body. But before you take off to get that burger and fries with extra cheese and that proper sauce keep in mind that the brain makes enough cholesterol to meet its own requirements. So relax, there is no need to keep a block of cheese handy in case you start to run out of mental function enumeration this article.
But while this fatty substance is important it is the negative effects that have grabbed the release in recent years due to the avalanche of cardiovascular health concerns, alike as heart foray, stroke, and atherosclerosis. This awareness is credited with bringing the number of heart attacks down and conclusively saving lives.
So what we have here is a chemical substance that must be balanced in a healthy gamut. There are two types of cholesterol readings that will hand over us with a roadmap to do this; HDL and LDL. Maintaining good cholesterol ( HDL ) levels ultra 50 milligrams for each deciliter of blood or higher and bad cholesterol ( LDL ) readings coming in hereafter below 120 milligrams for each deciliter of blood.
Avoiding the negative effects of high cholesterol
There are a number of conditions that can engender blood cholesterol to become dangerously high including diabetes, or genetic disorders near as hypercholesterolemia, but for the most part there are a number of simple, and universally accepted, steps that can be taken to keep cholesterol in a healthy scale and avoid the negative effects of high cholesterol.
* Diet: According to the American Heart Parcel saturated fat consumption should be held to about 8 percent, or 18 grams per day, with cholesterol held to 25 percent of calories, or 200 milligrams per day.
* Exercise: According to the Center for Disease Control the one thing that is the most often tied for the negative effects of cholesterol is drowsiness ( 39. 5 % ). Some type of big exercise is recommend at first off five days a week.
* Being ample: As your weight rises so do your cholesterol and triglyceride levels. Conceivably more importantly artery clearing good cholesterol tends to drop. The moral here is if you are cushioning on the pound now is a good time to turn this train around before it sway you in the hospital.
* Smokers beware: Cigarette smokers are four times more likely to have a heart encounter than non smokers. Possibly the actuation for this is that smoking raises bad cholesterol, lowers good cholesterol, causes the arteries to constrict, and damages the smooth interior lining of the artery walls.
Can supplements help with the negative effects of cholesterol?
Recent research suggests the answer is good. There are two primary ways to break the cholesterol monster. One is reduce the amount of cholesterol floating around in the bloodstream and the other is repair or prevent damage to the smooth interior lining of the arteries. There are three types of widely available supplements that research studies suggest are able to accomplish one or both of these tasks. They are omega 3 fish oils affluent in the fatty acids DHA and EPA, Vitamins B6 and B12 which are prized in preventing arterial damage, and of course natural cholesterol reduction supplements which dispose of cholesterol before it ends up clogging your arteries.