Medicare Open Enrollment Period When and How to Sign Up

Reduces Stress and Cortisol LevelsListening to classical music is a powerful tool for reducing stress. Cortisol, often referred to as the stress hormone, is released in response to stress. Elevated cortisol levels over prolonged periods can lead to various health issues, including anxiety, depression, and even heart disease.Studies have shown that listening to classical music can significantly reduce cortisol levels, helping individuals manage stress more effectively. Furthermore, the soothing rhythms and harmonious melodies act as a natural antidote to the stressors of daily life, promoting a sense of calm and relaxation. Lowers Blood Pressure and Heart RateThe cardiovascular benefits of listening to classical music are well-documented. Research indicates that classical music can help lower blood pressure and heart rate. One study demonstrated that participants who listened to Mozart experienced a notable reduction in both systolic and diastolic blood pressure. The gentle and rhythmic nature of classical music encourages relaxation, which in turn helps to dilate blood vessels and improve blood flow. By incorporating classical music into your daily routine, you can support your cardiovascular health and reduce the risk of hypertension. The Mozart Effect on Mental HealthThe term Mozart Effect refers to the cognitive and emotional benefits attributed to listening to Mozarts compositions. This phenomenon suggests that listening to Mozart can enhance brain function, improve spatial-temporal reasoning, and boost overall mental health. Studies have shown that the intricate structures and patterns in Mozarts music stimulate brain activity, promoting neural connections and enhancing cognitive performance. So for individuals struggling with mental health issues, incorporating classical music into therapy or daily activities can be a valuable tool for improving emotional well-being and mental clarity. Improves Sleep QualityQuality sleep is essential for overall health and well-being, and classical music can play a significant role in improving sleep quality. Listening to classical music before bedtime promotes relaxation and reduce the symptoms of insomnia.The gentle and calming nature of classical music helps to slow down the heart rate and breathing, creating an ideal environment for restful sleep. By establishing a nightly routine that includes listening to classical music, individuals can experience better sleep quality and wake up feeling refreshed and rejuvenated. Reduces Anxiety and Enhancing RelaxationAnxiety is a common mental health issue that affects millions of people worldwide. Classical music, with its soothing melodies and harmonic structure, helps to reduce anxiety levels and promote relaxation.Studies have shown that patients who listened to classical music before undergoing medical procedures experienced lower anxiety levels compared to those who did not. The therapeutic effects of classical music can be attributed to its ability to engage the parasympathetic nervous system, which is responsible for inducing a state of calm and relaxation.Benefits of Listening to Classical MusicIn addition to the specific health benefits mentioned, there are numerous other advantages to incorporating classical music into your daily life. Listening to classical music can improve focus and concentration, enhance creativity, and even boost productivity. The structured and complex nature of classical compositions can stimulate the brain and foster a conducive environment for intellectual and creative endeavors. Celebrate Classical Music Month and Boost Your HealthAs we celebrate Classical Music Month this September, its the perfect opportunity to embrace the numerous health benefits of listening to classical music. From reducing cortisol levels and lowering blood pressure to improving sleep quality and mental health, classical music offers a natural and enjoyable way to enhance your well-being. Whether youre a lifelong fan or new to the genre, let the harmonious strains of Mozart, Beethoven, and Bach enrich your life and support your health journey. So, put on your favorite classical piece, relax, and let the music work its magic.

Health insurance jargon can be the hardest to understand for consumers. Thats why you have a broker who goes to work for you and explains your policy options with clarity. However, not all brokers work ethically. You may not have an insurance broker who values you and may not elaborate on your policy limitations. The omission of these limits is illegal and should result in the termination of that broker. In contrast, the insured typically doesnt take legal action, and the broker makes his or her desired commission.This is not to say that all health insurance brokers operate in this zone of immorality. Just as with any profession, there are good and rotten eggs. Your moral compass and ability to judge a persons intention is a significant factor people can typically smell a sleazy salesperson. Below, are the most common limitations obscurely mentioned in health insurance policies. This information should adequately equip you for when you are asking questions of your broker.Heres a screenshot from the summary of the benefits of an insurance carriers product:*Note these limitations do not exist in all policies. Ask your broker.The list of benefits above is towards the end of the policy summary. Most people are interested in seven factors when it comes to their health insurance:Deductible/coinsurance/max out of pocket, doctor visits/specialists/urgent care, the network, prescription coverage, preventative/wellness coverage, emergency room fees, and ambulatory services. If your insurance broker goes over those seven things, this is how the policy would look and sound:Choice of $500-$10,000 deductible/max out of pocket (1 million in coverage)Choice of 70/30, 80/20, or 100/0 coinsuranceUnlimited $25 copay to doctor, specialist, and urgent carePHCS Network (PPO)$50 copay for annual wellness/preventative checkupER subject to deductible and coinsuranceAmbulatory services (above) $500 per transportMost people would agree that those seven things sound fantastic for health coverage. You have all your daily doctor needs taken care of and one million dollars in coverage, right? Wrong, let me show you a scary breakdown if you had an appendectomy while being covered by this policy.On average, the Fair Price for an Appendectomy lies somewhere between $7,000 and $25,000 (may vary due to zip code). If there are complications, it could be upwards of $35,000 or more. Heres a breakdown of the services and their estimated costs. You can always check on any surgery, and its price by visiting Healthcare Bluebook.Hospital Services for a 2-day admission, itll cost roughly $9,700.Physician Services the fee for procedure and routine postoperative care costs around $1,400.Anesthesia the price for an average surgery time of 1 hour and 15 minutes costs about $750.This cost adds up to the lower end of about $11,000 for an appendectomy. If you look above at the example policy, youll see that for the entire coverage term an appendectomy will be given a $2,500 coverage benefit. Even though your plan has a deductible, coinsurance, and max out of pocket; theres a specific limitation for appendicitis. With this knowledge, the insured will be left an $8,500 bill as an out of pocket expense! Keep in mind; these numbers are on the low end with no complications.Of course, its always better to have health insurance instead of going uninsured. With insurance, that remaining $8,500 for the appendectomy may negotiate to a lower bill. Policygenius.com does a great job explaining the functionality of network negotiated rates. Without insurance, you would be paying the almost full retail price for your medical surgery, which is a terrifying thought!

You can, but should you?Theres a dark stain over the insurance industry for consumers searching for quotes online. Families and individuals are aware they need to carry health and life protection but dread entering their information online, consequently experiencing the bombardment of phone calls that follow. Its so bad some people would instead go without coverage than speak with a broker over the phone. When in reality, all it takes is working smarter, not harder.Some people will advise you to buy your own auto, home, health, life, or any other insurance. They will tell you horror stories about the number of calls youll receive if you submit information online. They will present a convincing argument, and youll be tempted to accept their advice. I urge you to resist that temptation.Its no surprise that many people are turning to self quoting websites and applications. The appeal is undeniable. Theres nothing inherently wrong about this approach, and it does save the consumer the headache of having to speak to countless agents. However, should you buy insurance without speaking to a licensed broker? Its fine to quote yourself and see whats out there in terms of options, but then proceeding to purchase that insurance without educational guidance is extremely risky for the consumer. When you use past experiences, personal knowledge, and stories heard from friends to make an informed decision on your insurance; the result tends to be medical debt or bankruptcy.A licensed agent or broker has a fiduciary responsibility to you. They are mandated by state and federal law to undergo licensed certification. While you may not have had pleasant experiences in the past, having a broker perform a needs analysis to personalize the policy is a better alternative. Just like any other profession, some paid attention during class, and others did not. It isnt appropriate to blanket statement all insurance brokers as untrustworthy.Heres your solution to avoid entering your information online. Instead, reach out to family members and friends. Ask them whom they use for their insurance needs and their experience with their broker. If you cant find a family or friend who uses a local agent or broker; reach out to colleagues and people within your circle of influence for guidance. By doing so, you are acquiring a real person who is aware of your personal needs and whom others trust. Its an ideal win-win situation between a trusted broker and client. You leave feeling confident in your policy because you are informed, and youve supported a local small business owner and their family. It may not be the fastest solution, but should it?When the world is more efficient, were all happy. Quicker load times, faster test results, high-speed internet. The need for convenience and expedience permeates everything we do. Theres relief in knowing you can quote and compare prices without receiving dozens of calls.However, when you go to purchase your insurance slow down, consult a professional, ask questions, and then fill out your application with the knowledge youre protected and supported.