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Direct Primary Care

21/3/2018

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As a means to reduce rising health care costs, innovative solutions are rising to the surface. One such solution is known as direct primary care (DPC).
​
What is DPC?
In this model, physicians, pediatricians and internists charge a monthly membership fee that covers most of what the average patient needs, including visits and drugs at lower prices, instead of accepting insurance for routine visits. As a result, DPC can provide substantial savings to patients. Consider the following:

  • Cost of visit—Free with monthly membership
  • Copay cost—No copays
  • Length of visit—Typically 30-60 minutes (traditional doctor’s office visits are less than 20 minutes)

Because they don’t operate under the typical fee-for-service model, many DPC providers are able to spend more time with their patients. Research shows that patients who have a good relationship with their doctor receive better care and are happier with the care they receive.

Does DPC replace the need for health insurance?
No, in fact, DPC providers recommend that their patients have some form of insurance to protect themselves in the event of an emergency. Remember, DPC is for primary care. It will not take care of catastrophic injuries, surgeries or trips to the emergency room.

How popular is DPC?
DPC is emerging as a way to combat rising health care costs and maintain a high quality of care. Those who partner with the right providers may find great success with this type of health care model. While DPC has grown steadily in the past few years, the market is still slow. Despite this, DPC providers and supporters are optimistic about its future.

What’s next?
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As health care costs continue to climb and the prevalence of expensive chronic conditions increases, the importance of choosing the right doctor and type of care is exemplified. DPC presents a way for employees to receive more personalized health care while containing their health care costs. Moreover, DPC can be an attractive option for employees with high deductible health plans and health savings accounts, as it would provide them with the option of receiving care without paying high out-of-pocket costs.

It may be worth it for you to further investigate this model and evaluate if it’s right for your organization. For more information on DPC, please contact us today. 
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SWIMMING POOL LIABILITY PRECAUTIONS

10/3/2018

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​Fun in the sun is even better when you have a swimming pool in your backyard to stay cool on hot, summer days. Despite all the entertainment that a swimming pool offers, there are also homeowner liabilities. To help you minimize your risk, we’ve gathered some safety tips to keep you in the know as you swim.

To Minimize Drowning Risks:
  • Install safety fences around the pool with a locked latch and place a cover over the pool when you are not using it.
  • Always supervise welcome swimmers at all times.
  • Keep lifesaving equipment near the pool and learn how to properly use it.
  • Do not allow swimmers to horseplay in the pool.
To Minimize Disease Risks:
  • Keep the pool water properly filtered and chemically treated.
  • Do not allow swimmers to drink pool water.
  • Keep pets out of the pool.
  • Do not allow swimmers with open wounds or illnesses to go in the water.
  • Do not allow babies to swim unless they are wearing swim diapers.
To Minimize Disease Risks:
  • Keep the pool water properly filtered and chemically treated.
  • Do not allow swimmers to drink pool water.
  • Keep pets out of the pool.
  • Do not allow swimmers with open wounds or illnesses to go in the water.
  • Do not allow babies to swim unless they are wearing swim diapers.
To Minimize Chemical Risks:
  • Avoid over-shocking the pool; keep chemicals at the proper levels.
  • Follow manufacturer’s instructions carefully when adding chemicals to the pool or filtration system.
  • Store chemicals in a cool, dry place where they are away from fire hazards and lawn care products.

Safety First
As the homeowner, you are liable for the safety of all swimmers. To ensure that you can adequately protect people on your property, consider taking life-guarding, CPR and first aid courses so you know what to do in an emergency. 

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Who Needs Umbrella Coverage?

5/3/2018

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Chances are you are under insured and could benefit from umbrella coverage if you:
  • Own a home, assets, or retirement savings.
  • Drive a car, borrow a car, or let others borrow your car.
  • Host parties.
  • Own rentals.
  • Have children at home or students away at college.
  • Assume responsibility for other peoples’ children via carpooling, babysitting, or sleepovers.
  • Own animals or care for others’ animals.
  • Use social media or allow their children to use social media.
  • Travel abroad.
  • Volunteer with a charity, serve on a board of directors, or participate in a HOA.
  • Own an ATV, boat, motorcycle, golf cart, RV, watercraft or other specialty vehicle, especially if they allow others to ride in or on them or operate them.
  • Share access to common areas like docks, lakes, vacant land, or rent access to these types of areas.
  • Own firearms or other recreational weapons.
 
Liability comes in many forms. Here are a few of the ways you may be responsible for damages beyond what your current home and auto policies cover.
 
Auto liability:
It’s no secret that distracted driving accidents, fatalities, and the resulting medical care costs are on the rise, making higher limits more important than ever. Even relatively minor accidents can incur substantial medical bills. If an accident involves disability or death, the costs can be hundreds of thousands, or even millions, of dollars. Those with teenage drivers incur greater risk as teens are more likely to have a serious crash.
 
Do you have children?
Those with children, teen and adult children living with them can benefit from an umbrella policy, as you could be liable for injuries to others’ children during carpooling, a playdate or babysitting. Even if your child attends a party where there is an injury or death, you can be sued, even if your child did nothing wrong.
 
Do you entertain at home?
If so, you could be liable for everything from trip/fall hazards, to food poisoning, to someone drinking alcohol at your house and getting in a car accident on their way home.  A homeowner’s policy worth $300,000 won’t go very far if the courts award a $500,000 judgement against you.
 
What about pets?
While dog bites only comprise a third of all homeowner’s liability, according to the Insurance Information Institute, even friendly dogs can frighten or knock down elderly or youthful guests and cause injury.
 
Personal injury and personal offense liability.
Gossip can be hurtful. It can also result in painful lawsuits. People can be sued for embellishing an embarrassing story about someone, writing a bad review of a business, re-posting material subject to copyright laws, or even a rant on social media. In short, anyone can sue another person for any reason, frivolous or not. Regardless of the validity of the suit, you must respond.
 
Drop down protection. Do you travel overseas?
You may be at risk without realizing it. For instance, if you rent a car and have an accident, your home or auto policy probably won’t cover it. Likewise, if you rent a boat while on vacation, you are likely without protection. But an umbrella policy may provide primary liability in both situations. Further, if you are sued personally, the umbrella may cover your legal defense. A good attorney starts at $250 an hour, but with personal umbrella insurance, you could receive extended protection for less than a dollar a day.
 
You don’t have to be rich to be sued like it.
​Some people assume that since they aren’t rich, they can’t get sued since they don’t have the money to pay. However, the courts disagree. If a person is held responsible, or even partially responsible, for an accident, their wages can be garnished, their savings taken, and in some states their home and other assets seized. While financial responsibility rules vary from state to state, not having umbrella insurance exposes you to a lot of risk.
 
A personal umbrella policy is an inexpensive hedge against such risks.  Many times, umbrella insurance is available for around a dollar a day.  In short, bad things happen to good people.  The key is to do a thorough interview with your agent about your family, your lifestyle, and hobbies. He or she can use that information to determine if your risk is tangible so you can make a more informed decision about liability and umbrella insurance.
  
Article from 2/26/18 Insurance Journal - insider-tips-for-increasing-umbrella-sales
Written by Brook McGuire is the Strategy Lead for Specialty Products at Safeco Insurance.
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Health Tips for Shift Workers

1/3/2018

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Workers on a shift schedule tend to have poor eating habits and lack regular exercise, which can contribute to sleep problems, fatigue and stress. Read this article to learn how shift workers can fight fatigue.
 
Minding Your Mental Health
For some, work can be a major source of stress due to heavy workloads, pressure to perform at a high level, job insecurity, long work hours, excessive travel and conflicts with co-workers. Read on to learn when you should consider speaking to your manager about your mental health. 

For shift workers, unconventional schedules can take a toll on health and safety. In fact, research shows that people who sleep during the day often struggle with getting an adequate amount of rest.

What’s more, workers on a shift schedule tend to have poor eating habits and lack regular exercise, which can contribute to fatigue and stress. To combat these adverse health factors, shift workers should consider doing the following:

  • Get enough rest before your shift begins. Eating well and getting plenty of exercise can help you sleep. If you are experiencing insomnia or other sleep issues, speak with your doctor.
  • Take frequent breaks. If you begin to feel drowsy during the workday, consider going for a short walk or eating a healthy snack to re-energize.
  • Hold your employer accountable when it comes to rotating schedules. Working one shift over and over can take a toll, and it’s important to have occasional variety.

It’s important to be mindful about your scheduling, and avoid permanent or consecutive night shifts whenever possible. In addition, employees should be allowed to gradually change from night shifts to normal shifts, as this gives the body time to recover and adapt to a new schedule.

Fatigue due to poor quality or lack of sleep can affect every aspect of an individual’s life, and can severely hamper one’s ability to perform at work. Speak to a doctor if you are concerned about the quality of your sleep or want more general health tips.

For some, work can be a major source of stress due to heavy workloads, pressure to perform at a high level, job insecurity, long work hours, excessive travel and conflicts with co-workers.
Over time, this level of stress can lead to insomnia, anxiety, depression, low morale and drastic mood swings. Overcoming these symptoms isn’t always easy, but knowing when to step back and evaluate your mental health can help.

Evaluating your mental health is incredibly useful when it comes to decompressing and alleviating stress caused by workplace factors.
While mental health and workplace stress can vary on an individual basis, the following are some examples of when speaking with a manager can help reduce workplace stress:

  • When you’re distracted—If your personal life is impacting your work, speak with your manager for assistance. Things like bills and relationship troubles can weigh on the mind, negatively impacting your performance. As such, it’s important to set aside time to focus on addressing personal issues.
  • When you’ve been neglecting yourself—People need time to recharge, especially if they lead an active work and social life. Work with your manager to find opportunities to refocus.
  • When you’re burned out—After stressful projects or long stretches of work with no days off, consider working with your manager to re-evaluate your workload. Taking the time to reorganize can improve your attitude and allow you to approach work with a positive outlook.
  • Keep in mind that the above methods are only effective in reducing stress. They should not be used as a substitute for professional medical advice regarding mental health conditions, like depression. Again, if you are feeling overwhelmed at work, speak with your manager.

TWFG Insurance Tony Voiron | Our Policy is Caring! | (504) 322-7299
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