Your Insurance Solution

5 Tips for a Healthy and Safe Halloween

Halloween is a fun holiday for everyone. But sometimes, the excitement shifts the focus away from potential hazards. You should be aware of health and safety issues that may arise and should take the necessary precautions.

Here are some tips to make the most out of your evening and make it far from frightening:

Costumes cautions. Costumes, wigs, and beards must be made of flame-resistant materials. Choose bright colors as it can be clearly seen by motorists, otherwise add some reflective tape to increase visibility. Make sure that your child’s costume is not too baggy or oversized, and shoes are tied appropriately to avoid tripping. You can place a name tag with your contact details in their costume and keep a small flashlight in their pockets or treat bags.

Safety musts. Instruct your kids not to enter the house of a lone occupant or any stranger and remind them to stay on sidewalks. As much as possible, advise them to stay inside your neighborhood vicinity, approach well-lit houses only, travel in groups, and keep their phones handy so they contact you for any concerns. It is also a good idea to set a reasonable curfew.

Be sure to clear the path and remove objects that could cause your kids to trip or fall and keep pets away from the door as they might scare your little ghouls.

Decorations. While you’re carving the pumpkin, keep kids at a safe distance to avoid injuries from sharp objects. You can let them draw and design the pumpkin so they can have fond memories of the activity. Lighters, matches, and candles should be stored in a place where your kids can’t reach them.

Adult parties. If you’re throwing a scary-good party, don’t let drinking get out of hand. Take car keys away from anyone who may be driving. Offer to drive your guests home, especially those who may be too intoxicated.

Health concerns. You can make trick-or-treating an exercising event for your kids by setting a goal of how many houses they will walk to. Before your kids head out, make sure they eat healthy dinner so they won’t get tempted to dig into their loots. Inspect all edible treats to ensure they are sealed and remove anything that could be a potential choking hazard. Manage the amount of treats that they are going to eat. Moreover, you can set an example to your neighborhood and pass out healthy treats like pretzels and raisin.

We wish you all have a happy, healthy, and safe Halloween!
Get the Most Out of Your Doctor’s Visit With These Tips


At some point, you’ve been battling with sickness or trying to prevent it. In between the endless wait, sitting with a magazine on hand, and a queue of strangers sneezing and coughing next to you, a thoughtful preparation will facilitate a smooth doctor’s visit.

Here are some tips to help you prepare for your next appointment:

Make a list. Do your homework before you get to the office. Write down your priorities and prepare a list of questions regarding your health condition. This will help you stay focused and maximize the minutes of your visit.

Bring your insurance card. If you are a new patient, don’t forget to bring your insurance card and your copay if you have one. If you are visiting the same clinic, it is best to present an updated copy of your current insurance card.

Carefully pick the day and time of your visit. It’s also important to show up early for your appointment.

Prepare to share. Bring all your medical records and lab results and share them with your new doctor. Let him know if you have been treated in the emergency room or by a specialist in the past, symptoms you have noticed, and any medications you are taking.

Ask questions. If your doctor says something you don’t understand, ask questions. At the end of your visit, you should be able to understand your health issues, medication dosage and side effects, treatment options, and what you can do to stay healthy.

Ask about insurance coverage. Find out if a certain lab work or a given treatment is covered by your health plan. If you are being referred to a specialist, make sure he is also in your network. If not, check with your doctor’s office to know the costs associated with a provider out of the network.

Working with a reliable doctor can help you understand your health and lifestyle and make necessary improvements. This will ensure you are receiving the best possible care.

What You Can Do To Stop Domestic Violence

Anyone can be a victim of sexual and domestic violence, but survey found that women are more likely to carry the burden of these types of violence. Think about the recently leaked video of NFL player Ray Rice beating his then-fiancee Janay. It’s all too common: According to the Centers of Disease Control and Prevention, more than 31 percent of women in the U.S. have been physically abused by an intimate partner at some point in their lives.

Violence and trauma to women of all ages can result in serious injuries, chronic health problems, and even death. Identifying current or past abusive experiences can make a profound impact in their lives, preventing further abuse, reducing the incidence of disability, and improving health and well-being.

This also brought me to the discussion of the Affordable Care Act requiring all new health plans to provide coverage for preventive health services, including screening and counseling for interpersonal and domestic violence. This will benefit women and help ensure that they can receive proper intervention at no added cost. The guidelines were adopted by the Department of Health and Human Services (HHS) based on recommendations from the Institute of Medicine.

Health care providers are also encouraged to connect and support women who experience interpersonal and domestic violence. During a well-woman visit, providers can conduct screening for domestic violence, provide brief counselling if a woman discloses abuse, and provide referral to local programs and services. It is important to comply with reporting laws in your state and discuss any confidentiality issues with patients.

If you suspect that someone you care about is being abused, speak up! Or if you are a victim and you think your partner is abusive and controlling, make a plan to stay safe. In recognition of National Domestic Violence Awareness Month, take a stand to protect yourself. While leaving isn’t easy, just remember you’re not alone and help is available.

Early Detection Helps in the Fight Against Breast Cancer


With Breast Cancer Awareness Month getting under way this week, it’s a good time to share the preventive services and screening for women at risk for breast cancer.

Coverage of mammograms for breast cancer screening is mandated by the Patient Protection and Affordable Care Act for health plans that started after August 1, 2012. This means you can avail it without a co-pay or deductible. However, this doesn’t apply to grandfathered plans or health plans that were in place before the law was passed.

Many states require that Medicaid, private insurance companies, and public health plans provide coverage and reimbursement for certain procedures and health services. In Oregon, routine screening of average-risk women should begin at age 40, or by referral. Furthermore, the American Cancer Society (ACS) supports these kinds of patient protections and other evidence-based cancer prevention, early detection, and treatment services.

Certain medications that are intended to prevent breast cancer will also be fully covered under Obamacare, in new guidance set to be issued by the Department of Health and Human Services. Women at risk of breast cancer can receive so-called chemoprevention drugs, including tamoxifen and raloxifene, at no extra cost or out-of-pocket expense.

Access to insurance coverage will be available regardless of gender or pre-existing conditions, even for those who change jobs. No one will need to worry about a carrier canceling coverage or being charged more when they receive a cancer diagnosis. Coverage will also be provided for anyone eligible to participate in clinical trials.

If you have a family history of breast cancer or think you are at higher risk, talk to your doctor about screening exams and their potential benefits, limitations, and harms. Remember, early detection can save thousands of lives so make sure you take advantage of these tests that are included in your health coverage.


How the tax credit works for small business

The Water Tower 5331 SW Macadam, Suite 260, Portland, OR 97239 Email: Phone: 503.972.4285 Fax: 503.972.4284