Contact Us

1-800-793-0471

REQUEST A QUOTE

Contact details:

Would you like more information about us?

Yes! No thank you.
Your message has been sent successfully. Close this notice.

REQUEST A QUOTE

Would you like more information about us?

Yes, Please. No Thank You.
Your Contact Form has been sent successfully. Close this notice.
3 weeks ago · by · 0 comments

Learning About Lyme’s Disease As We Approach The Summer Tick Season.

Lyme disease is a bacterial infection that is spread through the bite of one of several types of ticks. The ticks pick up the bacteria when they bite mice or deer that are infected with B. burgdorferi.  In most cases in the US, a tick has to be attached for 24-36 hours for them to spread the bacteria to your blood. 

 

There are 3 stages of Lyme disease.  Stage I symptoms of early localized Lyme disease begin days or weeks after infection. They are similar to the flu and may include chills, fever, general ill feeling, headache, joint pain, muscle pain and stiff neck.  There may be a “bull’s eye” rash, a flat or slightly raised red spot at the site of the tick bite as well.  Symptoms may come and go but it is important to seek treatment as untreated, Lyme disease can spread to the brain, heart, and joints. 

 

Stage 2 (early disseminated Lyme disease) may occur weeks to months after the tick bite and may include numbness or pain in nerve area, paralysis or muscle weakness in the face, heart problems, such as skipped heartbeats (palpitations), chest pain and shortness of breath. 

 

Symptoms of late disseminated Lyme disease or Stage 3 can occur months or years after the infection. The most common symptoms are muscle and joint pain. Other symptoms include joint swelling, abnormal muscle movement, nerve damage, vision problems, pain, muscle weakness, speech problems, cognitive problems, numbness and tingling. 

 

A blood test can be done to check for antibodies to the bacteria that cause Lyme disease or in areas where it is common; a doctor can identify Lyme disease by recognizing Stage I symptoms. If it is caught early enough, Lyme disease can be cured with antibiotics. Without treatment, complications involving the joints, heart, and nervous system can occur. However, these symptoms and stages are still treatable and curable.

 

It is important to check yourself for ticks after outdoor activities such as gardening, hunting, hiking, walking through tall grass or having contact with a pet that has been outside.  Ticks that carry Lyme disease are so small that they are very hard to see. After returning home, remove your clothes and thoroughly inspect all skin surface areas, including your scalp. Shower soon after coming indoors to wash off any unseen ticks.

 

Removing a tick should be done carefully by grasping the tick close to its head or mouth with tweezers. Do not use your bare fingers. Pull it straight out with a slow and steady motion. Avoid squeezing or crushing the tick. Be careful not to leave the head embedded in the skin.  Clean the area thoroughly with soap and water. Also wash your hands thoroughly.

 

Do NOT try to burn the tick with a match or other hot object, twist the tick when pulling it out or try to kill, smother, or lubricate the tick with oil, alcohol, Vaseline, or similar material.  These methods may cause the tick to salivate (drool) or regurgitate (puke) into the wound. This can cause infection or facilitate the spread of Lyme disease if the tick is infected.  Anyone who has been bitten by a tick should monitoring the site of the bite and pay close attention for any symptoms for 30 days. 

 

    *     *     *     *     *     *     *     *     *     *     *     *     *     *

At Health Insurance 4 Everyone, we not only want to improve our customer service but also interact with our customers on a social media level that was not available before. Interested in connecting with us? Look us up on….

Twitter: Healthinsurane4

Click-On for LinkedIn: LinkedIn  

Like us on facebook: HealthInsurance4Everyone

Follow Mark Shuster, Founder/Owner at Health & Life Solutions, LLC for daily health tips! HealthInsurance4Everyone or Health & Life Solutions, LLC  

Mark Shuster FaceBook Link

Follow our word press blogs and read about everything from health insurance and reform news to healthy living and current events!

Company Blogs

Find out more about LegalShield, our corporate partner which gives you the power to talk to an attorney about any legal issue, and offering high-quality Identity Theft protection plans.

LegalShield  

Read more

3 weeks ago · by · Comments Off on 140 Afghan Soldiers Killed In Calculated Taliban Attack On Base

140 Afghan Soldiers Killed In Calculated Taliban Attack On Base

At least 140 Afghan soldiers were killed after Taliban militants disguised as soldiers, drove onto a military base and opened fire on soldiers leaving Friday prayers.  Around 130 of the victims were young recruits who had just graduated from military school.  A national day of mourning followed as the calculated Taliban attack was the deadliest on an Afghan military base in the last 16 years.

Camp Shaheen, in northern Afghanistan, was considered one of the nation’s most secure bases in the now relatively peaceful city of Mazar-i-Sharif.  Though the April 21st death toll was high, it could have been much higher.  It began when two pickup trucks with at least eight Taliban fighters disguised as ANA soldiers passed through multiple checkpoints undetected with fake military identification cards used to obtain access.

An intelligence officer who survived the attack said the attackers were clean-shaven and had what they claimed to be a bloody and bandaged, wounded soldier in the backseat.  The “soldier” acted like he was in pain and the disguised attackers claimed it was a medical emergency, insisting that they needed to be let into the base immediately to save the soldier.

As the trucks made it to the final checkpoint which was manned by three guards and no barricade-the guards radioed headquarters to find out if the army hospital was expecting the urgent case.  The guards were instructed to let them through but to inform them that they must leave their cache of weapons at the gate.  The insurgents refused to leave their weapons and a fierce fire fight with the guards ensued.  The Taliban attackers shot all three guards, killing two while the third remains in a critical condition.

After the altercation at the last checkpoint, the attackers made their way into the mosque just as prayers had ended and people were making their way outside.  Armed with a machine gun installed on the roof of one of their trucks, the attackers sprayed bullets into the crowd.

As explosions went off, terrified recruits began running for safety.  Nearby, an attacker in disguise was calmly directing terrified recruits “to safety” by ushering them inside the dining hall.   Trusting the familiar uniform, many young recruits poured in, minutes later, he blew himself up — killing more than 20.

Many recruits ran back into the mosque for safety but the attackers followed them in, mercilessly killing them.  A survivor inside the mosque said that as he “played dead” among bodies of fallen recruits he heard a voice call out that “it was over” and “survivors stand up.”   Slowly, several survivors rose only to be shot dead.

As deadly as this calculated was, if it wasn’t for the altercation at the final checkpoint, it is likely the casualties would have been far higher.   It is believed that the intention of the attackers was to breach the mosque and open fire during final prayers — where 1,500 unarmed personnel would have been easy prey in one enclosed space.

Following the ongoing investigation and amid speculation of inside assistance in the attack, 8 ANA personnel have been arrested while more remain under investigation.  Afghanistan’s defense minister and Army chief have also resigned.

Read more

3 weeks ago · by · Comments Off on US and North Korea Tensions Continue As THAAD Deployed

US and North Korea Tensions Continue As THAAD Deployed

Relations between North Korea and the US and South Korea have rapidly deteriorated in recent months, as the rhetoric and military posturing on both sides has increased.  North Korea has threatened to sink a U.S. aircraft carrier that is conducting military drills, along with Japanese ships, in the waters off the Korean Peninsula.

U.S. Aircraft carrier Carl Vinson, guided-missile cruiser USS Lake Champlain and guided-missile destroyers USS Michael Murphy and USS Wayne E Meyer have practiced for war with North Korea with a series of military drills.  US allies South Korea and Japan surrounded North Korea with joint exercises on both sides of the Korean peninsula.  The navy fleet is now within “striking range” of North Korea, in the Philippine Sea- just east of the Japanese island of Okinawa.

North Korea conducted its own military drills which involved 300 large-caliber self-propelled guns lined up along the coast where they opened fire with live rounds.  A statement from the South Korean military said the live-fire exercises were in the Wonsan region in the east of the country.  North Korea fired four ballistic missiles toward Japan as part of its exercise targeting US bases there.

Soon after those drills were conducted, the US began to deploy its advanced THAAD anti-missile defense system in South Korea, despite opposition from Russia and China. The deployment of the Terminal High Altitude Area Defense (THAAD) anti-missile system came THAAD is a missile defense system designed to intercept short and medium-range ballistic missiles as they begin their descent to their targets.   Developed by Lockheed Martin, THAAD missiles use infrared seeker technology to locate their targets and detonate on impact.

Both Russia and China have spoken out against the THAAD deployment.  China’s Foreign Ministry stated that it was “resolutely opposed” to the move and say the missile system actually aims to counter China’s military power in the region, not to contain North Korea.  The deployment also drew protests from hundreds of villagers in Seongju, South Korea, who clashed with police as troops began deploying THAAD hardware on a local golf course.

The Trump administration called the entire US Senate to a meeting at the White House, for a briefing on North Korea with the US secretaries of Defense and State.   President Trump recently stated “North Korea is a big world problem, and it’s a problem we have to finally solve. People put blindfolds on for decades and now it’s time to solve the problem.”  Many fear that Trump is backing himself into a corner with his firm stance on North Korea, leading both countries to a point where “bad things are going to happen.”

Read more

3 weeks ago · by · Comments Off on Daily HI4E.org Trivia Contest Winners For The Week Ending: Sunday, April 30th, 2017.

Daily HI4E.org Trivia Contest Winners For The Week Ending: Sunday, April 30th, 2017.

 

In an effort to broaden the company’s “social interaction” with our clients and FaceBook fans, Daily Trivia Questions are posted on both of our business pages. Here are the weekly standings for this past week, and the winner of the Sunday night Weekly Drawing for an AmEx gift card!

                                

Congratulations  – To this past week’s Trivia Contest Winner!!   Our latest contest winner for the weekly FaceBook HealthInsurance4Everyone/Health & Life Solutions, LLC Trivia Contest, drawn randomly by computer late Sunday evening, April 30th, 2017 was:

 

JENNIFER  LANG

No. Miami Beach,  FL

Winner Of A $25.00 AmEx Gift Card

 

Each day, fans of either of our company FaceBook pages (HealthInsurance4Everyone  or Health & Life Solutions LLC) are able to test their skills with our Daily TRIVIA QUESTION.  The first 20 winners who post the correct answer to the TRIVIA QUESTION, will then get entered into the weekly drawing held late on Sunday evenings for a $25.00 Am Ex Gift. Card


Weekly Gift Card winners will be posted in our blog at this site.  Remember to become a FaceBook “fan” on either of our company pages to enter and post your answers. 

 

Here are the daily contestants from last week’s Trivia Contest that were entered into the Sunday drawing:

 

 

4/24/17

 

Valerie Kuehn

Jodi Stevens

Amy Marie Wilkinson

Brandy Marie Williams

Kassi Krick-King

Samantha Mer

Jennifer Lang

Jennifer Zarafino-Griffiths

Myranda Medlin

Cheryl Hall

Amanda Saltsman

Melissa D’Ornellas Curtis

Holly Cajigas

Mary Vantil

Abigail Edwards

Megan Akins

 Karen Goodwin Delaney

Leslie Wagner Hobson

Dawn Raasch

Karen Bondehagen

Susan Clarke Jette

 

4/25/17

 

Judy Custer

Joann Tompkins-Winborn

Jennifer Sparks

Valerie Kuehn

Jennifer Mason

Chrissy Kim

Carol Yemola

Amy Marie Wilkinson

Jakara Jackson

Lotorya Patrick

Crystal Hazelwood

Tina Marie

Alexandria Fields

Misty Shallcross

Nai Merri

Jonnalyn Gates

Anna Nichols

Holly Cajigas

Julie Garrett

Bea Patrick

 

4/26/17

 

Melissa Ann Stura-Bassett

Amy Marie Wilkinson

Michelle Cervantes

Joanie Waterman

Carol Scheive

Tiffany Greene Elliott

Dawn Raasch

Alexis Maureen

Jennifer Ramlet

Nitasha Shank

Karen Bondehagen

Christy Hawkes

Brandy Marie Williams

Kimberly Snyder

Kayla Clemons

Jennifer Lang

Geri Rus

Julie Garrett

Hollie Jahnke

Cheryl Hall

Megan Rhyne

Jennifer Downing

Angela Nicole

Jean Simmons Homfeld

 

4/27/17

 

Karen Bondehagen

Crystal Dougherty Merrill

Geraldlee Lee

Cheryl Hall

Hollie Jahnke

Tiffany Greene Elliott

Mary Achio

Paula Rivers

Stephanie Caldwell

Melissa Ann Stura-Bassett

Marie Beauregard

Melissa Barnes Walker

Anne Hanson

Amy Marie Wilkinson

Amanda Kyrie’ Ayala

Leslie Wagner Hobson

Phyllis Hines

Jakara Jackson

Shelley Ann Peoples

Ashley Stamey Phillips

Misty Dawn Moores

Dale Fish

Anggie Marie

 

4/28/17

 

Cheryl Hall

Brittany Marie Thompson

Lotorya Patrick

Mary Perez Ramz

Nai Merri

Mary Ann Cody

Lauren Bradley

Sherri Kidwell

Bea Patrick

Tiffany Greene Elliott

Melissa Barnes Walker

Michelle Hughes

Leslie Wagner Hobson

Tina Marie

Alexandria Fields

Allison Frederick

Karen Rimiller Presley

Melissa Ann Stura-Bassett

Marcy Coull

Kathleen Hickman

Tonya Velazquez

 

4/29/17

 

Christine McKinnon

Karen Bondehagen

Beata Tybor

Kathleen Hickman

Amanda Saltsman

Tonya Velazquez

Brittany Marie Thompson

Juanita Williams-Jones

Karen Goodwin Delaney

Holly Cajigas

Brittany Deaver

Nelle Bailey

Christina Montes

Misty Dawn Moores

Jacqlyn Gummert

Nikki Bankert

Amy Marie Wilkinson

Hollie Jahnke

Trish Marks

Bobbie J Rittenhouse

Phyllis Hines

 

4/30/17

 

Tina Marie

Kizzy Alvarez DeSantis

Deborah Farris

Jennifer Kinner

Valerie Kuehn

Jennifer Ramlet

Michelle R. Carlino

Althea Thomas

Jennifer Alice Duran

Mary Vantil

Kayla Clemons

Kimberly Taylor Hall

Hollie Jahnke

Sherri Kidwell

Christy Hawkes

Jade Good

Jennifer Downing

Phyllis Hines

Wendi Black

Crystal Hazelwood

 


Be sure to watch both of our FaceBook pages for your chance to win and enter again next week, with questions posted daily on HealthInsurance4Everyone or at Health & Life Solutions, LLC!!

Remember that if you try your hand at answering the Trivia Question several days each week, your odds of winning the Sunday weekly drawing are much better.  You may also find that if you “Like” both of the business pages, you will receive faster notifications of the other players as they post their answers to compete with you!  

—————————————————————-

At Health Insurance 4 Everyone, we not only want to improve our customer service but also interact with our customers on a social media level that wasn’t available before. Interested in connecting with us?  Look us up on….

 

Twitter: Healthinsurane4  (Follow Us On Twitter To Receive Faster Notifications When Daily Trivia Questions Posted, & To Be Immediately Notified When Weekly AmEX & HI4Eshop Gift Card Winners Are Announced!!)

 

 

Click-On for LinkedIn To Follow Our Posts: LinkedIn

 

Like us on facebook: HealthInsurance4Everyone or Health & Life Solutions, LLC

 

Over 54,000 Combined Fans/Followers To Our Social Media Sites, & We’re Growing Daily!

 

Follow Mark Shuster, Founder/Owner at Health & Life Solutions, LLC for daily health tips!

 

Mark Shuster FaceBook Link

 

Follow our word press blog and read about everything from health insurance and reform news to healthy living and current events!  

Company Blogs

Find out more about  our corporate partner which gives you the power to talk to an attorney about any legal issue, and offering high-quality Identity Theft plans.

LegalShield

 

 

 

Read more

4 weeks ago · by · 0 comments

What Happens If I Don’t Have Health Insurance In 2017?

What Happens if I Don’t Have Health Insurance in 2017?

 

While the Obama ‘Affordable’ Care Act (ACA) aims to decrease the number of uninsured Americans, there are many who remain without coverage for one reason or another.

Kaiser Family Foundation research found that:

  • 48 percent of adults uninsured in 2014 said the main reason they lacked coverage was due to cost
  • 12 percent cited work-related reasons
  • 13 percent were told they were ineligible or could not get coverage due to their immigration status
  • Few uninsured adults were uninsured because they said they didn’t need coverage, opposed the ACA or preferred to pay the penalty

If you are among these individuals, what impact could having no health insurance have on you?

The consequences of going uninsured widely vary based your health and finances, amongst other things. In terms of the ‘Affordable’ Care Act and its individual shared responsibility provision, going without an Obamacare plan can also have tax implications.

What are those tax implications?

It depends on your situation.

 

Do you qualify for an Obamacare ACA exemption?

  • Yes or maybe

While the ‘Affordable’ Care Act’s individual shared responsibility  requires most Americans to have health insurance, there are certain situations in which exemptions are granted. Those who qualify for exemptions will not owe the shared responsibility payment for going without minimum essential coverage. 

Some examples if exemption-eligible circumstances include:

– Having a gross or household income below the minimum threshold for filing a tax return

– Experiencing general hardship due to circumstances such as homelessness, foreclosure, death of a close family member, unpaid medical bills and more

– Being a resident of a state that did not expand Medicaid

Some Obamacare exemptions must be claimed or reported when you file your taxes. Others are automatic. More information is available at IRS.gov. If you believe you might qualify for an exemption, speak with your health insurance producer and/or a financial adviser.

  • No

You are allowed a single period of up to three months without ACA-compliant health insurance coverage. If you do not qualify for an exemption and have no health insurance beyond this, you could owe the shared responsibility payment.

This fee is paid when you file your federal taxes for the year in which you were not compliant with the healthcare reform law. If you went without minimum essential coverage for all or part of 2016, you would pay the Obamacare tax penalty when filing taxes for 2016.

What is the penalty for no health insurance in 2016?

The tax penalty for going without health insurance increased in 2016. It is now the greater of these amounts:

  • 2.5 percent of your income above the filing threshold, capped at the national average premium for a bronze plan available through the Marketplace
  • $695 per adult and $347.50 per child to a maximum family penalty of $2,085

The penalty will continue to adjust annually based on inflation and the flat dollar amounts for 2016.

No health insurance? You could benefit from short term benefits

Whether or not you are exempt from the shared responsibility provision, you might consider some other type of coverage beyond major medical insurance (i.e., an Obamacare plan) to help pay for healthcare expenses.

Short term health insurance provides temporary coverage when you are in between Obamacare plans. While these plans are not ACA-compliant and do not qualify as minimum essential coverage, they do provide a range of benefits for unexpected medical care and often have premiums that are a fraction of major medical insurance premiums.

Short term health plans last as few as 30 days and up to 364, depending on how long you think you will need temporary coverage and the laws in your state.   You can apply and enroll online through websites such as www.HI4E.Org , and you can begin your coverage as soon as the next day.

 

Think short term. Get a quote.

    *     *     *     *     *     *     *     *     *     *     *     *     *     *

At Health Insurance 4 Everyone, we not only want to improve our customer service but also interact with our customers on a social media level that was not available before. Interested in connecting with us? Look us up on….

Twitter: Healthinsurane4 

Click-On for LinkedIn: LinkedIn 

Like us on facebook: HealthInsurance4Everyone  

 

Follow Mark Shuster, Founder/Owner at Health & Life Solutions, LLC for daily health tips!

Mark Shuster FaceBook Link 

 

Follow our word press blogs and read about everything from health insurance and reform news to healthy living and current events!

Company Blogs  

 

Find out more about LegalShield, our corporate partner which gives you the power to talk to an attorney about any legal issue, and offering high-quality Identity Theft protection plans.

LegalShield

 

Read more

4 weeks ago · by · Comments Off on Aaron Hernandez’s Suicide May Benefit His Estate If Conviction Vacated

Aaron Hernandez’s Suicide May Benefit His Estate If Conviction Vacated

On April 19th, disgraced NFL player Aaron Hernandez killed himself in his prison cell, officials said.  Hernandez, 27, was found hanging in his cell by corrections officers around 3:05 a.m. and pronounced dead an hour later at the Souza Baranowski Correctional Center.  Hernandez was in a single cell in a general population housing unit and hanged himself with a bed sheet attached to his cell window.  Officials said Hernandez had given no indication he might try to take his own life and that he had tried blocking his door from the inside with various items.

Just days before, on April 14th, Hernandez was found not guilty in the 2012 double murders of Daniel Jorge Correia de Abreu and Safiro Teixeira Furtado.   Hernandez was already convicted of first-degree murder in the death of semi-pro football player Odin Lloyd in 2015 and was serving a sentence of life in prison without a possibility of parole.

Hernandez played three seasons with the New England Patriots and in 2012 he signed a $40 million five year contract extension that included a $12.5 million signing bonus.  The Patriots released Hernandez from the team about 90 minutes after his June 2013 arrest in the murder of Odin Lloyd.  Hernandez’s lawyers say they are skeptical of his death being a suicide while many speculate that his suicide was in part-financially motivated.

Hernandez’s arrest and termination led to enormous financial troubles as CytoSport and Puma canceled their endorsement deals and his release from the team automatically forfeited his 2015–18 salaries, totaling $19.3 million.  The Patriots voided all remaining guarantees, including his 2013 and 2014 salaries, on the grounds that those guarantees were for skill, injury, or salary cap room, and did not include being cut for “conduct detrimental to the best interests of professional football.”   The Patriots also planned to withhold $3.25 million of Hernandez’s 2012 signing bonus that was due to be paid in 2014 and to recoup the portion of the signing bonus already paid in an effort to recover some of the millions they lost when cutting him from the team.

Under Massachusetts law, it is possible for Hernandez lawyers to request to have his murder conviction vacated due to his death due to the legal principle of abatement ab initio.  The principle asserts that when a defendant dies but has not exhausted all legal appeals, the case reverts to its status “at the beginning”; technically, the conviction is vacated and the defendant is rendered “innocent”.

At the time of his death, Hernandez was in the process of filing an appeal for his 2015 first degree murder conviction.   On April 25, 2017, lawyers for Hernandez filed a motion at Massachusetts Superior Court in Fall River to vacate his murder conviction.  State prosecutors reserve the right to object to Hernandez’s request.  The family of Odin Lloyd may also petition the court not to vacate the conviction and to keep the appeal alive.

If the request is granted, a number of things can benefit Hernandez’s family and estate.  First, he would not have been in violation of his Patriots contract.  That may mean that the Patriots would have to pay the remaining $15 million of his contract to his estate.  If his murder conviction is vacated, it would also protect his estate from any civil suits from Odin Lloyd’s family because they would not be able to use evidence from the criminal trial in a lawsuit against the Hernandez estate for civil damages.

Read more

4 weeks ago · by · Comments Off on Cleveland Shooter Kills Himself After Police Chase In Erie, PA

Cleveland Shooter Kills Himself After Police Chase In Erie, PA

Steve Stephens, the Cleveland killer who uploaded a video of himself shooting an elderly man on Easter Sunday-has killed himself after a police chase in Pennsylvania. Stephens was on the run for two days after uploading a video of the senseless murder, as well as two other videos explaining why he committed the crime. In a video made prior to the shooting, Stephens explains that he just snapped and that his ex-girlfriend Joy Lane was to blame for what he was about to do. He mentions that he had lost everything he had to gambling debts and that he has tried to talk about his problems with friends and family but that they act like his problems aren’t that serious.
In the video of the killing, Stephens approaches Robert Godwin, a 74 year old grandfather of 14, as he is walking down the street. Stephens asks Godwin if he knows Joy Lane and then makes the man repeat the name saying “Joy Lane is the reason this is about to happen to you”. Godwin replies “Joy Lane, I don’t know any Joy Lane” as he raises his arms to protect himself-before being shot dead. Godwin, 74, was shot while walking home from an Easter meal with his children in Cleveland.
After uploading the video on Facebook, Stephens posted a Facebook live video of himself driving in his car while talking on the phone and dubbing his crime spree “The Joy Lane Easter Massacre” while claiming to have already killed a dozen other people. He claimed he would keep killing at random until Joy Lane or his mother called him.
Joy Lane, Stephens on again-off again girlfriend of a few years, told several news agencies that she tried to reach him shortly after the video surfaced but he did not pick up his phone. She said she was overwhelmed by the tragedy and apologized for what had happened-wishing for prayers for the victim’s family.
After the video surfaced, Cleveland residents were left reeling in fear that an active shooter was still in the area killing innocent people at random. For two days, authorities across the country scrambled to find Stephens, believing he may have headed east to family in New York. On Sunday, Stephens’ cell phone pinged a cell tower 100 miles east of Cleveland, in Erie, Pennslyvania.
The manhunt came to an end shortly after an employee spotted Stephens’ white Ford Fusion in the drive-thru of a McDonald’s near Erie and called authorities. The franchise owner said Stephens ordered chicken nuggets and fries at the McDonald’s drive-thru window in Harborcreek Township when employees recognized him. Stephens was two cars behind in the drive-thru lane to pick up food as police were on their way.
The McDonalds employee’s tried to give police more time to arrive by telling Stephens the fries were not ready but he took the nuggets and left. Authorities spotted him as he fled the area and gave chase. Police said that an officer performed a “PIT” maneuver, a strategic way of ramming a car to disable it. As the vehicle was spinning out of control from the PIT maneuver, Stephens pulled a pistol and shot himself in the head.
Authorities were uncertain how long Stephens was in the area and don’t believe he had any accomplices. No other victims have been confirmed.

Read more

1 month ago · by · Comments Off on Daily HI4E.org Trivia Contest Winners For The Week Ending: Sunday, April 23rd, 2017.

Daily HI4E.org Trivia Contest Winners For The Week Ending: Sunday, April 23rd, 2017.

 

In an effort to broaden the company’s “social interaction” with our clients and FaceBook fans, Daily Trivia Questions are posted on both of our business pages. Here are the weekly standings for this past week, and the winner of the Sunday night Weekly Drawing for an AmEx gift card!

                                

Congratulations  – To this past week’s Trivia Contest Winner!!   Our latest contest winner for the weekly FaceBook HealthInsurance4Everyone/Health & Life Solutions, LLC Trivia Contest, drawn randomly by computer late Sunday evening, April 23rd, 2017 was:

 

SUSAN   JETTE

New Haven, CT

Winner Of A $25.00 AmEx Gift Card

 

Each day, fans of either of our company FaceBook pages (HealthInsurance4Everyone  or Health & Life Solutions LLC) are able to test their skills with our Daily TRIVIA QUESTION.  The first 20 winners who post the correct answer to the TRIVIA QUESTION, will then get entered into the weekly drawing held late on Sunday evenings for a $25.00 Am Ex Gift. Card


Weekly Gift Card winners will be posted in our blog at this site.  Remember to become a FaceBook “fan” on either of our company pages to enter and post your answers. 

 

Here are the daily contestants from last week’s Trivia Contest that were entered into the Sunday drawing:

 

 

 

4/17/17

 

Priscilla Shimp

Sherri Kidwell

Michelle Hughes

Crystal Moyer

Mya Murphy

Crystal Hazelwood

Kizzy Alvarez DeSantis

Carla S-Paige Williams

Brandi Chaney

Melissa Turner Baker

Belinda Haas

John Mellor

Valerie Kuehn

Alicia Dansby

Steve Hardy

Teena Sierson

Megan Rhyne

Amy Marie Wilkinson

Tina Marie

Susan Clarke Jette

 

4/18/17

 

Lisa Puckett

Brandy Marie Williams

Priscilla Shimp

Michelle Hughes

Ashley Stamey Phillips

Jennifer Mason

Tina Marie

Jonnalyn Gates

Deborah Farris

Angela Nicole

Nai Merri

Karen Jaras

Marie Beauregard

Kayla Clemons

Kathleen Hickman

Susan Clarke Jette

Christy Hawkes

Ralph Gonzales

Andrea Workman

Tammy Alcorta

 

4/19/17

 

Melissa Turner Baker

Jennifer Sparks

Carol Scheive

Brittany Marie Thompson

Andrea Workman

Shawna Poole

Dean Bruss

Sean Stover

Priscilla Shimp

Shelby Lynn

Lisa J Wright

Rhonda Nicholson

Ashley Oshier

Jennifer Downing

Tammy Alcorta

Lotorya Patrick

Dawn Raasch

Chrissy Kim

Valerie Kuehn

Carrie Strickland

JoBeth Butcher

 

 

4/20/17

 

Crystal Young

Alexandria Fields

Mary Achio

Emily Rice Bowersock

Amanda Rosario

Anna Nichols

Angela Nicole

Brooke Scott

Dale Fish

Roberta Thomas

Amy Cantrall-McDaniels

Abby Cox

Jennifer Saavedra

Anggie Marie

Kim Floyd

Kendra George

Raquel Perez-Espinal

Sean Stover

Tonya Velazquez

Tiffany Greene Elliott

Amy Chavis

Misty Shallcross

 

 

4/21/17

 

Nikki Hunsaker

John McKnight

Suzie Mize Lockhart

Dawna McKnight

Tonya Velazquez

Lori Capobianco

Mary Mcmenamy

Stephanie Beckwith

Nai Merri

Jennifer Saavedra

Alicia Dansby

Kelsey Mcknight

Ashley Stamey Phillips

Tracy Shafer

Geri Rus

Dean Bruss

Brandi Kerr

Misty Shallcross

Morgan Alexandra

Valerie Kuehn

Johanna Landsaw-Davis

 

4/22/17

 

Sheila Carvell

Anna Nichols

Shelby Lynn

Andrea Timms

Amy Chavis

Carole Jacobs

Brittany Michelle

Juanita Williams-Jones

Jakara Jackson

Chris Maxwell

Alisa Jones

Lisa Puckett

Carrie Strickland

Adaria Johnson

Samantha Maxwell

Brandy Marie Williams

Amanda Thomas

Christine McKinnon

Kimberly Taylor Hall

Phylicia Phillips

Cristina Spolnick Beeson

 

 

4/23/17

 

Juanita Williams-Jones

Misty Shallcross

Shelby Lynn

Kendra George

Kayla Clemons

Tiffany Greene Elliott

Jennifer Saavedra

Phylicia Phillips

Becca Dotsun

Lori Marie Timms

Paula Rousseau

Tonya Velazquez

Jean Simmons Homfeld

Jennifer Ramlet

Jennifer Kinner

Jennifer Downing

Amanda Rosario

Jennifer Mason

Kaitlyn Rutherford

Anne Hanson

 

 

Be sure to watch both of our FaceBook pages for your chance to win and enter again next week, with questions posted daily on HealthInsurance4Everyone or at Health & Life Solutions, LLC!!

Remember that if you try your hand at answering the Trivia Question several days each week, your odds of winning the Sunday weekly drawing are much better.  You may also find that if you “Like” both of the business pages, you will receive faster notifications of the other players as they post their answers to compete with you!  

—————————————————————-

At Health Insurance 4 Everyone, we not only want to improve our customer service but also interact with our customers on a social media level that wasn’t available before. Interested in connecting with us?  Look us up on….

 

Twitter: Healthinsurane4  (Follow Us On Twitter To Receive Faster Notifications When Daily Trivia Questions Posted, & To Be Immediately Notified When Weekly AmEX & HI4Eshop Gift Card Winners Are Announced!!)  

 Click-On for LinkedIn To Follow Our Posts: LinkedIn  

 

Like us on facebook: HealthInsurance4Everyone or Health & Life Solutions, LLC

 

Over 54,000 Combined Fans/Followers To Our Social Media Sites, & We’re Growing Daily!

 

Follow Mark Shuster, Founder/Owner at Health & Life Solutions, LLC for daily health tips!

 

Mark Shuster FaceBook Link  

 

Follow our word press blog and read about everything from health insurance and reform news to healthy living and current events!     

 

Company Blogs

 

Find out more about LegalShield, our corporate partner which gives you the power to talk to an attorney about any legal issue, and offering high-quality Identity Theft plans.

 

LegalShield

 

Read more

1 month ago · by · Comments Off on United Airlines Passenger Dragged From Plane

United Airlines Passenger Dragged From Plane

United Airlines is facing backlash after a videos went viral of a doctor who was assaulted before being forcibly dragged off the plane, after he refused to give up his paid seat.  The backlash against United sparked boycotts and dropped hundreds of millions of dollars from the company’s stock price.

Dr. David Dao was left bleeding and disoriented, after being forcefully pulled across the seat dividers and dragged down the aisle of the plane as shocked passengers looked on with several expressing disbelief on the incident as it was happening.

Dao, 69, of Elizabethtown, Ky., was one of four passengers picked to be bumped from an April 9 flight from Chicago’s O’Hare International Airport to Louisville, Ky., to make room for airline employees who were added to the flight shortly before it departed.

According to another passenger on Flight 3411 from Chicago to Kentucky, the airline needed seats on the fully booked aircraft to reposition four crew members for another flight.  The crew announced that the plane could not take off until four passengers voluntarily deplaned.  When it didn’t have enough volunteers, even after offering $800 and a next day flight, the airline selected the man and several other passengers to deplane.

When he refused to leave, saying he had to see patients at a hospital in Kentucky early the following morning, multiple Chicago Department of Aviation security officers dragged Dao through the aisle, bloodying him. Dao then tried to run back on the flight and was forcibly removed a second time.

United CEO Oscar Muñoz initially defended the company’s actions  but later apologized, calling the incident “horrific.”  United Airlines said it will fully refund the tickets of all passengers on board the flight.  Chicago’s Aviation Department has said that four officers involved in the beating had been placed on leave.

Dao, who was hospitalized in Chicago, suffered a concussion, a broken nose and lost two teeth in the ordeal. In preparation for a civil suit, lawyers for Dr. Dao filed an emergency request requiring United and the city to preserve records of the incident and the personnel files of the Aviation Department officers who pulled Dao from the plane.

The airline has said it is reviewing its policies regarding oversold flights.  They already announced that they will require United employees traveling for work to book seats at least an hour in advance to avoid displacing customers already on board an aircraft.

Read more

1 month ago · by · Comments Off on Do You Need Health Insurance This Year To Avoid The Obamacare Tax Penalties?

Do You Need Health Insurance This Year To Avoid The Obamacare Tax Penalties?

These Five (5) Questions May Hold The Answer….

 

 

Going without coverage can be tempting and even seem necessary at times, especially when you are relatively young, relatively healthy and on a relatively tight budget.  However, skipping major medical coverage can also be a potentially costly decision. You may wind up owing a tax penalty (yes, even now that the Trump Administration is in office), paying unexpected medical bills out of pocket, or both.

         If you are asking yourself if you really need insurance, the answers to these five questions may help you decide.

1. Are you exempt from the ACA’s individual mandate?

The Obama ‘Affordable’ Care Act’s individual shared responsibility provision (aka, the individual mandate) requires most Americans to have a health plan that qualifies as minimum essential coverage.  This may include, but is not limited to, job-based coverage, major medical plans purchased on and away from the state-based and federally facilitated health insurance exchanges, Medicaid and most types of TRICARE (veterans) coverage.

However, exemptions from the mandate are granted to individuals in certain circumstances, including those with coverage gaps of less than three consecutive months, those for whom coverage costs more than a certain percentage of their household income, those with incomes below the filing threshold and others facing general hardship, to name a few. 

If you are not exempt and do not obtain coverage as required by the law you could face a penalty known as the shared responsibility payment at tax time.

What could being uninsured could cost you if you’re not exempt?

You may owe a tax penalty known as the individual shared responsibility payment. Those who went without minimum essential coverage in 2016 could face penalties as high as follows: that penalty could be as high as :

  • 2.5% of their annual household income above the tax filing threshold to a cap of the national bronze plan s premium, or
  • $695 per adult and $347.50 per child under 18 to a maximum penalty of $2,085 per family.

For every month that you are uninsured and not exempt, you owe 1/12 of the annual shared responsibility payment.

In 2017 and beyond, the penalties remain the same, but will be adjusted for inflation.

2. How will you pay for healthcare if you need it?

While we know it can happen, we never really plan on becoming ill or getting injured, especially when our medical histories are relatively spotless. If you have no benefits to help with covered expenses when you do get sick or hurt and need medical care, you will have to pay 100% of the bills out of pocket. Whether your healthcare expenses are expected or not, do you have access to savings, credit or other funds to help pay for healthcare?

What could being uninsured cost you if you need healthcare?

Insurance status has a strong association with medical bill difficulties—more than half of uninsured individuals report problems paying household medical bills.  On average, a trip to urgent care will cost $150 and a trip to the emergency room will cost over $1,000.  Fixing a broken leg can cost up to $7,500 and the bill for a three-day hospital stay hovers around $30,000.

 

 

3. Do you plan on being uninsured for short time?

Accidents and illnesses can happen any time, not just when it is convenient. Even if you are about to start a new job with benefits that kick in a month or two down the road, it is wise to have a plan for how you will pay for healthcare in the meantime.

Short term health insurance plans provide temporary coverage for as few as 30 days. They offer a range of benefits to help with covered expenses, including office visits and emergency care, and they can be quickly obtained. Application and enrollment take only a few minutes, and coverage begins as early as the day after you enroll. You can buy short term coverage year-round.

What could a short term health plan cost you?

Typically, short term plan premiums are a fraction of major medical premiums. Keep in mind that short term plans are not the same as Obamacare plans (i.e., major medical insurance). They are not subject to the ‘Affordable’ Care Act, which means you may be denied coverage based on your health history and, if you are not exempt from the shared responsibility provision, having short term coverage will not prevent you from owing a tax penalty.

If you plan to be uninsured longer than three months and do not qualify for a special enrollment period, you may consider a hospital indemnity plan.

 

Learn about HIP (Hospital Indemnity Plans)

4. Will you qualify for an Obamacare subsidy?

If you buy a major medical plan from a state-based or federally facilitated health insurance exchange (the Obamacare plans) and meet certain income qualifications, you may be eligible for a subsidy. Obamacare subsidies include advanced premium tax credits that help lower your monthly premium payment.

Remember: You can only buy major medical plans during the annual open enrollment period or during a special enrollment period if you have a qualifying life event.

What could health insurance cost you with an Obamacare subsidy?

Major medical health insurance premiums vary depending on a number of factors, including where you live, what type of plan you choose (i.e., bronze, silver, gold, platinum), and your age. In 2016, the average premium for health insurance plans purchased through the federal Obamacare HealthCare. gov exchange was $408 per month.

However, 83% of people who purchased healthinsurance through HealthCare. gov received subsidies that helped lower their monthly premiums.  The average advanced premium tax credit amount was $294 per month, which lowered the average monthly cost to $113 per month.  

 

Consider “Gap” Insurance To Cover The Higher Obamacare Plan Deductibles & Out-Of-Pocket Limits

 

5. Are you eligible for Medicaid?

In 2014, Medicaid eligibility was expanded to include single adults earning up to 133 percent of the federal poverty level. Not all states decided to participate in this optional expansion. You can enroll in Medicaid year-round. To view your state’s eligibility criteria, click here to visit Medicaid.gov’s State Medicaid & CHIP Profiles page.

What could Medicaid coverage cost you?

If you qualify for Medicaid, you may be able to get low-cost or no-cost coverage.

The Obama ‘Affordable’ Care Act may require you to buy health insurance, and there may be financial risks in going without it. Ultimately, you must decide if you need health insurance. It is important to understand all of the benefits and risks associated with your decision. Work with a health insurance producer to determine the right coverage options for your health and financial situation.

You can call the number at the top of your screen to speak with a certified advisor (i.e., health insurance producer) who can assist you. You can also obtain quotes for supplemental products, short term coverage and off-exchange Obamacare plans at :

HealthInsurance4Everyone  –  www.hi4e.org

 

Read more

Over 25 Years of Experience!

Get Social with us!

eight-hundred-number

Call Today!