Sep 9th

10 Benefits Every Plan Must Offer Under Health Care Reform

By Jeanine Kinzie
Health care reform requires that all individual and small group health plans offer these 10 essential benefits starting in January 2014. Many of the benefits weren't provided or fully covered in the past, so including them means more benefits with more protection for you.

Ambulatory patient services - Care you receive without being admitted to a hospital - such as at a clinic, physician's office or same-day surgery center.

Emergency services - Care for conditions which, if not immediately treated, could lead to serious disability or death.

Hospitalization - Care you receive as a patient in a hospital, such as room and board, care from doctors and nurses, and tests and drugs administered during your stay.

Maternity and newborn care - Care provided to women during pregnancy and during and after labor; care for newly born children.

Mental health and substance abuse disorder services - Care to evaluate, diagnose and treat mental health and substance abuse issues.

Prescription drug coverage - Drugs prescribed by a doctor to treat an acute illness, like an infection, or an ongoing condition, like high blood pressure.

Rehabilitation and habilitation services and devices - Services and devices to help people with injuries, disabilities or chronic conditions gain or recover mental and physical skills.

Laboratory services - Testing blood, tissues, etc., from a patient to help a doctor diagnose a medical condition and monitor the effectiveness of treatment.

Preventive and wellness services and chronic disease management - These services include routine physicals, screening and immunizations. Chronic disease management is an integrated approach to manage an ongoing condition, like asthma or diabetes.

Pediatric services - The other nine essential benefits are provided to children along with dental and vision care.

Resources For Health Care Reform Updates - Websites To Check In With
Jeanine Kinzie
Aug 28th

Add these foods to your summer entrees

By Jennifer Ettinger


Add these foods to your summer entrees and fuel up your metabolism and aid in weight loss!
Broccoli - A weight loss superfood that contains phytochemicals to protect against disease and boost your immune system.
Fruit! Berries, Apples all help cut down your cravings for sweets - A great source of fiber.  Fruit balances the body and has great detox and fat burning properties!  
Green tea - boosts the metabolism and can aid in weight loss
Hot Peppers - speeds up the metabolism and conquers cravings.  The secret is the chemical capsaicin.
Lean Turkey - switch your chicken habit for some turkey! Great protein source to help you lose fat, boost metabolism and build lean muscle!
Oatmeal - cholesterol fighting, chock full of fiber, keeps you full and gives you tons of energy.  Try steel oats (hint - I cook mine overnight in a crock pot ready for me first thing in the morning - delicious!
Water - ice, ice baby - drink it cold this summer season. It will keep you feeling full, flush out toxins and give your skin a goddess glow.
Water with lemon - helps activate the burning of the fat for it is a bile thinner!
Whey protein -quickly digested and put into use by the body.  A natural fat burner and helps keep insulin levels stable.
In good health,
Jennifer Ettinger,


Aug 27th

Get 20% OFF An Astrology Reading This Summer!

By Leslie Traill
Before we know it Fall will be upon us, a time when we hustle and bustle about again. We dig down in our careers and think about relationships with the Fall and Winter holidays that come. If you are looking for some direction for the rest of your year, professionally or personally, and would like to finally take some time to get a complete astrology reading from an experienced and professional astrologer, take advantage of my special 20% OFF price and schedule a time today!
Find a list and descriptions of the Astrology Readings I offer HERE and belowContact Me To Take Advantage Of My Offer.
Normally $175.00, NOW just $140.00!

Readings can be done in person or via phone or Skype.

by Leslie Traill 
Aug 20th

Why Everyone Should Seek Advice From An Experienced Health Insurance Agent

By Jeanine Kinzie
We, as health insurance agents, are currently being trained to give advice in order to determine who is best served on their current plan (group or individual), and on or off the marketplace (exchange).  In order to do so, we will need to know your Adjusted Gross Income from your 2012 taxes.  We realize it's a confidential topic, but it is required information to make the calculation and create pertinent advice.  It is very important to work with an ethical agent.  I believe some agents will entice people with a high subsidy so it makes the insurance look like it's cheaper, but in all actuality, they may get the subsidy taken back and owe more taxes on 4/15/2015.  Then instead of a rebate, they will owe taxes and not know why.  The unethical agent shrugs and goes on to the next prospect. not try this at home and apply online for several reasons.  Scams online abound and fraudulent telemarketing has already begun.  Do not give your social security number, and other confidential information to a stranger. Identity theft is real and painful.  Secondly, there are certain scenarios which may affect your situation which are not fully addressed online.  As soon as the Affordable Care Act plan benefits summaries and rates are available, we can provide advice.  We expect that to be October 1st when the "Marketplace" opens.  We can represent you should you choose to participate with the Marketplace or stay independent of it.  We can still write existing plans until 12/31/13.  Existing plan designs may be available until 12/31/14, depending on the carrier and plan.  Current rates are still very low compared to Marketplace rates with a limited subsidy.  Encourage your family and friends to seek representation from an experienced agent.  Please contact us with any questions and if there's answers, we'll find them!
Aug 12th

What Is Critical Illness Insurance?

By Jeanine Kinzie
Changes in Critical Illness from 2000 - 2008.


You know the realities of health conditions have changed. Everybody knows someone who has been diagnosed with cancer, heart attack or stroke. So many of these people’s lives and the financial security of their families' are turned upside down by a major illness even when they have quality health coverage.  Monthly obligations such as mortgage, car payments, groceries and cell phone bills still need to be paid even when you're not working.  The stress can be overwhelming.  The insurance industry has responded with products that meet these needs.  The benefits are based on diagnosis and treatments.

Critical Illness coverage:
  • Provides people with OPTIONS
  • Provides people with CONTROL
  • Provides people with CHOICES
  • Provides people with INDEPENDENCE 
    (or avoids dependence)
  • Reduces their STRESS

...What is the cost of such plan?
It depends on many factors and level of benefits. It is available for groups and individuals and premiums range from $10-$50 per month. Some plans even provide a benefit for your annual physical, something you don't even have to pay for.  This $75 benefit can reduce your net premiums to less than $10 per month.  Please contact me and request a brochure and quote and rest easy knowing you can financially handle the health conditions which affect 33% of us.

Contact Jeanine about the many options provided by Critical Illness Insurance.
Aug 12th

Why You Still Need A Local Insurance Agent

By Jeanine Kinzie
Insurance is getting too complicated due to Healthcare Reform, it's not the same insurance world we were  all able to navigate through a few years ago on our own.  It may look like you are getting the best deal ever while navigating through a site for a health insurance agent in Georgia or California, but beware before you apply for insurance online with an out of state agent! Your local insurance agent can't make changes to the plan that you purchase during the first year of coverage and you will be stuck with a bad plan and no local agent to help you. If you are declined for coverage by applying online yourself for perhaps a plan that is not really suited for your needs (which is why it looks so cheap), then that is a red flag that you are uninsureable and it will be hard to find someone to help you. Insurance plans can not just be cancelled and re-applied for. 

A local health insurance agent provides a valuable service and can help you get a suitable plan in place that meets all your needs for the best price in your state.

Call Jeanine Today!

by Jeanine Kinzie 
Aug 6th

5 Simple Tips to Help You Create a Stress Free Life

By Veronica Drake
Tick Toc, Tick Toc time’s wasting. Hurry up and I don’t have the time are the slogans of the day.  No matter how hard we try we cannot escape the ticking of the clock of life.  Harried and stressed are two descriptor words for just about anyone with a pulse in 2013.

The physiological reaction to stress is known as our flight or fight response and is hardwired into all of us to protect us.  While we aren’t running from dinosaurs, hiding from caveman and club, or pioneering the wild west  we are facing more stress than ever in this concrete jungle in which we live our lives.

It’s all we can do not to have panic attacks when we open our checkbooks, try to build our mailing lists, keep up with changing trends in technology, figure out the how-to’s of business building, or RUN OUR BUSINESSES in general.  Suffice to say the stress factor in all aspects of life has never been more prevalent.  These are the types of stress that impact our bodies every single day.

When you perceive a threat (which equals stress)— such as an unexpected stranger bumping into you when you turn the corner  a part of your brain sets off an alarm system in your body. Your system prompts your adrenal glands, to release a surge of hormones, including adrenaline and cortisol.  With your adrenaline up it increases your heart rate, elevates your blood pressure and boosts energy supplies. Cortisol, the primary stress hormone, increases sugars (glucose) in the bloodstream, enhances your brain’s use of glucose and increases the availability of substances that repair tissues.

When we worry about deadlines, money, job security, relationships, etc. this also triggers the same effect to our bodies. Living with constant stress can manifest in the body in many ways some of which may include: [tweet this]

  • depression
  • diabetes
  • hair loss
  • heart disease
  • obesity
  • obsessive-compulsive or anxiety disorder
  • sexual dysfunction

Whew, sounds ominous huh?  Well, luckily I am now going to tell you a secret.  You have all it takes to deal with stress and it doesn’t come in a pill, you can’t buy it on an infomercial, it’s not sold anywhere, and it’s free.  Just as Dorothy realized the only place the answer ever was for her was within her you too will soon begin to realize, if you chose to, that your answers for a stress-less life are in YOU.

Here are a few ideas to begin to live a stress-LESS life TODAY. [tweet this]


Embrace the outdoors

Nature is therapeutic. It connects us to the simple gifts that we all too often overlook, as well as to Spirit. If you are feeling stressed and frustrated, imagine taking a walk through the woods. Envision a flowing brook. Capture the smell of wildflowers and honeysuckle in your mind. [tweet this] Feel the warmth of the sun on your face. Use all of your senses in your visions. Consider creating the simplest of gardens. The experience can release the stress accumulated in your head, neck and shoulders after a long day.


LOL (Laugh out loud)

Are you too busy to laugh and too serious to smile? Laughing releases a mountain of tension. It’s a quick way to feel happy.  When you let go and laugh, it’s infectious. Everyone around you feels it. A good belly laugh makes your belly muscles contract. It causes a chain reaction that works out the shoulders, and leaves muscles more relaxed afterward. It even provides a good workout for the heart.


Be silent

Start a practice of sitting with your Higher Power and asking for a quiet mind.  Start your day off with a ritual of reflection and praise. At the office, shut your door for 10 minutes, close your eyes and simply be still. [tweet this] It will be hard at first, but after a few days, you will find yourself feeling calmer and happier than you have felt in a long time. Take time to recharge during your day!


Experience Gratitude

Appreciate all the simple things in your life: the sunshine, the sky, the shoes on your feet and the heart beating in your chest.  Being grateful creates an energy that flows through your body and shines through your eyes. It’s what makes happy happen.  Create a gratitude calendar that is full of simple reason you’re grateful.


Create a simplicity statement [tweet this]

Write down your own personal declaration of what a simple life means to you. For you it may mean spending quality time with people you love, and doing the things you love. It could mean getting rid of the clutter so you are left with only what really matters to you.


veronica signature

Jun 12th

Healthcare Reform – IPAB Will Change Healthcare As We Know It

By Jeanine Kinzie
How does the Patient Protection and Affordable Care Act (PPACA) affect people? 

Since 2010, insured have enjoyed free wellness care, as long as it fits the guidelines set forth in PPACA.  ( for details of the wellness treatments you are eligible for.) 

To ensure he didn’t have any concern for lung cancer, my friend, a former smoker, asked during his recent wellness visit for a chest x-ray and was denied.  The doctor said it wasn’t necessary.  His mother died of cancer at age 62.  He is turning 57 this year and felt it was necessary for his peace of mind.  He is willing to pay for it and couldn’t get the Doctor to order the x-ray.  Only 1% of lung x-rays show cancer, but what if he is the 1%? 

The bigger picture is that behind the scenes, PPACA is changing Doctor’s compensation from a “fee for service” (where providers profit from providing more services) to “capitated” payments (where providers profit by providing fewer services) or some hybrid.   Meet the new final authority for health care in America.  It’s not Congress, not the Court, and not “We the People”.  It’s an Independent Payment Advisory Board (IPAB), an unelected, unaccountable 15-member panel empowered to set healthcare standards for spending, care and efficiency that will affect all of us.  It is quite possibly the most dangerous aspect of the entire PPACA law.  IPAB is not required to hold any public hearings and its decisions are not subject to administrative or judicial review.  It has the power to tax and ration care.  This is all by design.  The authors of Obamacare decided to take the difficult matters away from politicians.  The “quality and efficiency” standards set by IPAB affect ALLhealth care, not just Medicare and Medicaid.  This means your utilization of your private health insurance will be affected, even if you are willing and able to pay for treatment.  There will be one standard of care for all.   IPAB has determined too much money is spent in the last year of life.  

Furthermore, as IPAB is reducing compensation to Medicare/Medicaid providers, fewer Doctors can afford to continue serving this population.  There is a silent exodus already in motion from Doctors.  This movement is the beginning of rationed care.  

So how does PPACA affect you?  It will depend on your age, wealth and health.   

*“Hidden Dangers of Obamacare” was used as a resource to this article.

Jeanine Kinzie - Licensed Health and Life Insurance Agent
If you would like to talk to an expert about what this means for your and how you can best protect yourself and your family in the future, Contact Jeanine!
Jun 12th

Can You Afford FREE?

By Jeanine Kinzie
The good news is we have the products you need and many of you are already enjoying the benefits.  Here are a few ideas to consider:

1. If you use your American Heritage or Assurity Accident Plan's Wellness Benefit, your policy is essentially free. If you have an accident, this plan can help pay for your out of pocket expenses and lost income from time off work.  Accidents are the most common use of health insurance. With many on high deductibles these days, accident plans have evolved into integral financial protection

2. Return of Premium can refund all your premiums if you don't get cancer while on the American Heritage Cancer Plan.  Return of premium is also available on disability policies from Illinois Mutual.

3. Properly structured, Indexed Universal Life Insurance can provide tax-free retirement income exponentially more than you put into the policy.  

4. Fixed Indexed Annuities can provide guaranteed income for life, even if the money you put into the policy runs out.  Since people are retiring and living longer than ever, this policy offers great peace of mind.

Set aside a little time to be proactive in your financial protection plan.  Life happens to all of us.  We get hurt, we get sick, it's just a matter of when it's our turn. None escape the inevitable. Death has 100% success rate.  Why not insure the obvious?  

When asked to estimate the cost of life insurance, 95% of the people surveyed estimated too high.  Just let me know your priorities and budget, and I'll bring the best plans to you.
Jun 12th

What Is A Health Insurance Exchange?

By Jeanine Kinzie
In case you haven't heard, major reform implementation is coming in October 2013. This change is optional for you this year.  We will be agents for you whether you are entitled to a subsidy through the exchange or not.  We will provide you with options for keeping your current plan and what new plans are available.

The Affordable Care Act is expected to help increase access to health care. Health insurance exchanges will be an important part of that.

Most people get health insurance through their employers. But people without this option will now be able to shop for health insurance on exchanges, as an alternative to buying coverage directly from individual health insurers. Exchanges will be open for business in October 2013, allowing consumers to shop for health plans that will begin on January 1st.

Click on the video below to watch and find out more.

Experts predict that by 2016, more than 25 million people will use exchanges to buy health insurance.
We are anticipating the opportunity to provide a review of health insurance options both on and off the exchange after October 1st.  However, the government has not yet extended the paperwork needed to set this up.  About half of the deadlines for the PPACA implementation have been missed.  There is a possibility of a delay in the marketplace.  We will keep you updated in our newsletters.

Sign up for our newsletters HERE.

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