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How Do Young Adults and College Grads Feel About Obamacare?

By on June 18th, 2014
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Health Insurance, Student, Graduation, ReasonsIn April and May of this year, that was the question eHealth set out to answer. We conducted a survey of 220 young adults and recent grads aged 18 to 25 who purchased plans through eHealth.

Survey says…

The results of the survey yielded interesting insights. More than 63% of people reported that their health insurance premiums are more costly than they can comfortably afford. Nearly three-quarters (73%) said that their annual deductibles are more costly than they can comfortably afford. Read the rest of this entry »

What Does Deductible Mean?

By on July 28th, 2014

How does a health insurance Deductible workWhen reviewing your old health insurance plan or shopping for a new one, you should know the basic definitions of terms in order to properly compare your options. One of the most common questions I receive, as an agent is, “What does deductible mean?” Read the rest of this entry »

Take Your Pants for a Walk Day: eHealth Edition

By on July 24th, 2014


Yes, you read that correctly! National Take Your Pants for a Walk Day is celebrated each year on July 27, but here are a few reasons why you should make this holiday an everyday routine.

According to the American Heart Association, statistics show that one in two men and one in three women are at risk for heart disease, and research shows that poor lifestyle is a major contributor.

So, why walk? Most of us find it really hard to find the time and energy to exercise during our busy work schedules. Walking is a simple and easy step into becoming a more active you.

Here are 3 reasons on why you should find time to walk just 30 minutes a day: Read the rest of this entry »

How To Stay Fit While You’re Pregnant

By on July 17th, 2014
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Ben-GreenfieldBen Greenfield is an ex-bodybuilder, Ironman triathlete, Spartan racer, coach, speaker and author.In 2008, Ben was voted as NSCA’s Personal Trainer of the year and in 2013 was named by Greatist as one of the top 100 Most Influential People In Health And Fitness. He’s a guest blogger for Get Smart Get Covered but you can find Ben’s blogs and podcasts at www.BenGreenfieldFitness.com. He resides in Spokane, WA with his wife and twin boys.


While bringing a new bundle of joy into the world is one of the most special moments of a lifetime, no mom-to-be likes the prospect fighting off postpartum weight gain for years afterwards.

Did you know…

If you stay fit while you’re pregnant, shedding the baby weight becomes a breeze. And the benefits go above and beyond that, including:

  1. Lower risk of developing gestational diabetes
  2. Reduced postpartum depression
  3. Less water retention
  4. Larger placenta and better nutrient delivery to your baby
  5. Decreased formation of varicose veins
  6. Less risk for a C-section
  7. Leaner children up to 5 years after delivery

yoga pose 1So how can you stay fit while you’re pregnant?

While there are certainly “standard” recommendations (included below) that you may get from your physician, I’ve found through talking to fitness experts on my podcasts and helping my own wife during her pregnancy that you can modify these standard recommendations to give yourself even more of a pregnancy fitness advantage.

Safety first

There are certain exercises and activities that can be harmful if performed during pregnancy. The standard recommendations are to avoid:

  • Holding your breath during any activity
  • Activities where falling is likely (such as skiing and horseback riding)
  • Contact sports such as softball, football, basketball and volleyball
  • Any exercise that may cause even mild abdominal trauma, including activities that include jarring motions or rapid changes in direction
  • Activities that require extensive jumping, hopping, skipping, bouncing or running
  • Deep knee bends, full sit-ups, double leg raises and straight-leg toe touches
  • Bouncing while stretching
  • Exercises that require lying on your back or right side for more than three minutes. (especially after your third month of pregnancy)
  • Waist twisting movements while standing
  • Heavy exercise spurts followed by long periods of no activity
  • Exercise in hot, humid weather

As always, consult your doctor before engaging in any physical activity while pregnant.

So now that you know what to avoid, what should you include? Here are three good pregnancy exercise strategies:

1. Include cardiovascular exercise.

Swimming, riding a stationary bike, easy, light jogging, cross-country skiing, and aerobic step-up classes are good cardiovascular exercise strategies. If you’re just starting out, make sure you start early (at 8 to 10 weeks), beginning with around five exercise sessions a week for 20-30 minutes at a moderate intensity.

Want to go longer? Increase time and intensity every week gradually, and stay within 50 to 75 percent of their maximum heart rate while exercising. That’s a heart rate per minute of 220 beats minus your age (an exercise heart rate monitor makes it easy to keep track of this)

2. Include weight training.

Overhead presses, pull-ups, pull-downs, squats, lunges and side-to-side lunges are great exercises to maintain strength during pregnancy. You can go through partial range of motion as you approach your third trimester, but should include all these movements so that every joint in your body stays strong and supple.

3. Stretch.

Your hip flexors on the front of your legs will get very tight during pregnancy, especially as your baby grows. Include as many hip flexor “openers” and low back stretching exercises as possible.

Want more tips? Check out my article about “How To Lose Weight After Pregnancy.”



Top Honeymoon Destinations, From Bronze to Platinum Budgets

By on July 15th, 2014
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“Good seasons start with good beginnings.” – Sparky Anderson

Summer is here! ‘Tis the season of renewal and fine weather – and, last but not least, weddings.

For the soon-to-be newlyweds out there, here are a few medal-winning destinations for your honeymoon, inspired by the qualifying life plan metal levels, of course!

Did you know the average honeymoon last year cost between $2,000 and $15,000? What a range! Just like health plans, honeymoon prices can be pretty intimidating.

Here’s our list of honeymoon destinations to consider this year by medal levels: Read the rest of this entry »

What Does Coinsurance Mean?

By on July 8th, 2014

What does coinsurance mean, Insurance, Health, Health Insurance One of the most common questions I receive as an agent is: “What does coinsurance mean?”

By definition, coinsurance is the percentage that you are obliged to pay for covered medical services after you’ve satisfied any co-payment or deductible required by your health insurance plan.

Here’s another way to think about it: the insurance company may limit coverage for certain services to, say, 80% of charges. So, for example, if your insurance benefits cover 80% of x-ray charges, you will need to pay the remaining 20%, even if your annual deductible is already met. That 20% is considered coinsurance.

When reviewing and shopping for health insurance, coinsurance is typically displayed as the percentage in which you would be responsible. The insurance company would pay the remainder of the medical bill.

To learn even more about coinsurance check out the video below:

How does a coinsurance work with a health insurance policy?

Click here to find out more about what coinsurance means for customers.