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SPRING INTO FITNESS

Friday, March 10th, 2017

The road to weight loss is often strewn with fad diets, broken promises, and exercise equipment that gathers dust instead of logging miles. You do need to make sure you are getting regular physical activity.

And what better time than springtime to kick your fitness up a notch? Longer days and warmer weather provide the perfect motivation. And you do not have to train for a marathon, either. Just get more activity than before and you are getting on track. Let springtime inspire you to break down those barriers and finally make fitness a way of life.  Take those evening strolls with your spouse, play outside with your children, take your dog for a nice long walk.

Regular physical activity improves your mood, enhances the quality of your life, helps you burn off stress and, most important, it strengthens your body while it burns calories. Physical activity helps your body work the way it is supposed to. Even simple walking is a good, weight-bearing exercise that helps keep muscles, and your heart strong.

Think about how good you feel when you finish your workout. Many people have trouble getting started, but once they finish, they feel terrific, partly due to endorphins, those feel-good brain chemicals.

Evidence suggests that physical activity improves mental ability in people with heart disease, and that music enhances brainpower. And the combination of music and exercise was found to be more stimulating to the brain than exercise alone. So, turn your music up and get started.

Through your health insurance plan, Blue Cross Blue Shield of North Carolina offers all the essential benefits under Obamacare and having your wellness/preventive care visit each year is covered at 100% with no deductible. Always consult your doctor before starting any new exercise program, and then spring into action.

For more information on North Carolina insurance coverage, please visit our website at www.nchealthplans.com or call our toll free number 888-765-5400 and speak with one of our experienced and professional agents.

 

Fitness for Seniors – Wellness Visits Matter

Saturday, February 25th, 2017

Good news for older adults, part of the prescription for a healthier, better retirement is exercise. Physical activity protects against declining health and adds years to your life.    Blue Cross Blue Shield of North Carolina offers many choices of Medicare Supplement Plans which offers discounts to gyms and don’t forget those wellness visits each year.

Did you know that moderate intensity physical activity can help you live longer and reduce health problems? Regular exercise helps control blood pressure, body weight and cholesterol levels, and cuts the risk for hardening of the arteries, heart attack and stroke. It conditions muscles, tendons, ligaments and bones to help fight osteoporosis, keep your body more limber and stabilize your joints, thus lowering the risk of everyday injury. Also, it improves digestion and is good for managing lower back pain, arthritis and diabetes. Regular physical activity helps you maintain your independence. Recently, there has been research that suggests an active lifestyle lowers the risk of some cancers. But perhaps the best reason for incorporating regular exercise into your life is that you will feel better. Exercise helps you sleep better and manage stress better, and gives you more energy to enjoy work and play.

A good exercise program includes cardiovascular exercise, muscular conditioning and flexibility exercises. The best cardiovascular exercises for seniors are non-jarring, such as walking, swimming and cycling. Start with a light regimen and gradually build up to a total of at least 30 minutes of activity on most days of the week. Playing with children, walking the dog, dancing and gardening are other ways to incorporate activity into your daily routine.

Strengthening exercises such as lifting light weights help to maintain your muscle mass and promote bone health. Research suggests that adults older than 50 years who do not perform resistance training lose nearly 1/4 pound of muscle mass per year. Since muscle mass is directly related to how many calories your body burns each day, resistance training is important for weight management. End each workout with stretching exercises to help maintain your mobility and range of motion and decrease your risk for injury.

The best way to keep fit is to choose exercises you like. Some older adults like aqua aerobics, yoga, pilates or just walking the dog. Seniors also enjoy group exercise classes, since they offer an opportunity to socialize and develop friendships.  As always, make sure you consult your doctor before beginning any new exercise program.

For more information on North Carolina insurance coverage, please visit our website at www.nchealthplans.com or call our toll free number 888-765-5400 and speak with one of our experienced and professional agents.

Blue Cross Blue Shield of NC – Confidence when it Counts

Thursday, December 18th, 2014

emergency roomBlue Cross Blue Shield of North Carolina understands that emergencies happen and when they do, the last thing you need is added pressure.  That’s why BCBSNC, does NOT require prior review and certification in cases of emergency.  Oftentimes, health insurance companies do require prior review for emergency situations and this can add unnecessary frustration to an already stressful circumstance.

Prior review, sometimes referred to as prior plan approval, prior authorization , prospective review, or precertification, is the process by which BCBSNC reviews the provision of certain medical services and medications prior to the services being provided and based on supporting health care management guidelines. In non-emergency situations, prior review may be required based on your plan’s summary of benefits and coverages, but when the unexpected happens you need the confidence and comfort of having a health insurance company that provides emergency coverage without prior review.

As a BCBSNC customer, you have the freedom to take care of your emergency needs without worrying about whether or not you will be covered.  In fact Blue Cross Blue Shield of North Carolina does not require notification of an urgent or emergency admission until the second business day of the admission, giving you and your family time to take care of each other first and foremost.  Whether your plan is Blue Advantage, Blue Select or Blue Value, BCBSNC makes emergency health care simple and stress free.

For more information on Blue Cross Blue Shield of North Carolina health insurance coverage in North Carolina, please visit our website at www.nchealthplans.com or call our toll free number 888-765-5400 and speak with one of our experienced and professional agents.  Let us help you navigate through the Health Care Reform changes in accordance with the new regulations of The Affordable Care Act, also known as Obama care.

 

 

ACA Special Enrollment Period

Wednesday, October 8th, 2014

bigstock--Free-Quote-blue-button-32217869The annual enrollment period is closed for 2014.   But, you can still get a quote and apply if you have a Qualifying Life Event so you can enroll during our Special Enrollment Period.  Otherwise, you will not have the opportunity to apply until our Open Enrollment which starts 11/15/2014 for a 1/1/2015 effective date.  When completing the Blue Cross Blue Shield of North Carolina application, you will have the option to select which Qualifying Life Event may be applicable to you.  If you have extraordinary circumstances, you should talk with the Marketplace to determine if you can enroll without one of the Qualifying Life Events outlined below.  Please call our office 888-765-5400 to talk with one of our qualified representatives who can help guide you through the process of applying and assist you in determining if you could be subsidy eligible.

Special circumstances for enrolling outside of the open enrollment period include:

•Loss of minimum coverage (employer coverage, government plans, etc.)

•Adding a dependent through birth, adoption or marriage

•Gaining citizenship

•Enrollment/non-enrollment errors by the federal Marketplace or the US Department of Health and Human Services

•Qualified health plan violates the material provision of its contract with the individual

•Newly eligible for a subsidy or a change in the amount of subsidy you are eligible for

•Moving to a new state

•American Indian/Alaska Native status (may change once a month)

•Other exceptional circumstances

 

For more information on health insurance coverage in North Carolina, please visit our website at www.nchealthplans.com or call our toll free number 888-765-5400 and speak with one of our professional agents. Our agency provides coverage for health insurance in North Carolina through Blue Cross Blue Shield of North Carolina (BCBSNC). It would be our pleasure to help you navigate through the Health Care Reform changes in accordance with the new regulations of Obamacare. Call us for details.

 
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