February 2017 Newsletter

February, 2017
 

 

 

My focus will be on showing you how higher annual deductibles for medical plans can save you a lot of money! Medical Insurance can be a pricey proposition, so how can we control the costs while still knowing we have quality coverage?

 

When shopping for coverage, ask your broker to show you higher and lower deductibles.

Example: When our company quotes an individual or a corporation, we show deductibles that can range from $250 annually to $10,000.

 

 

SAMPLE: Husband and Wife ages 52 & 50

Annual Deductibles:      $500       $1,000       $5,000

Annual Premiums:         $4,455    $3,571       $2,774

NOTE: These are premiums for the Lloyds of London ENHANCED (Best Worldwide Global Plan). We do offer less expensive alternatives! 3/31/2013 Premiums Increase!!!    

 

 

Through years of experience I have noticed that less than 10% of our clients actually submit claims that exceed $1,000 on any given policy year, so I ask myself why would people want to give the insurance company extra premiums if they don’t actually reach their annual deductible?

 

Please look at the sample above: A couple ages 52 & 50 wants coverage; they are used to having lower deductibles because in the past their employers have supplemented their premiums, but now they have to pay the entire amount…so.

LOOK CLOSELY: The annual premium for a $500 deductible is $4,455, while the annual premium for the $1,000 annual deductible is $3,571. The difference is $884 annually, so if neither of them reach their annual deductible of $500, they have given the insurance company an extra $884 of their money for nothing.

 

Now, even if BOTH of them met the annual deductible of $1,000, they would be out of pocket $116. Considering on average only 10% reach or exceed a $1,000 deductible, WHY let go of that money in the front end? I would rather risk that and keep the money in my pocket; if both reach it…they’re out the $116.

 

OUR GOAL… Protect against a CATASTROPHIC circumstance. I would ALWAYS suggest my clients purchase the $1,000 annual deductible and higher as we age to control costs.

 

 

 

 

 

 

 

 

What Types of Companies Does www.expatglobalmedical.com 

Represent?

 

We ONLY represent A (Excellent) rated companies and higher, including:

 

Lloyds of London                        Sun Life Financial

Aetna/GoodHealth                     BUPA

International Medical Group     ALICO/AIG

National Western Life                Transamerica

William Russell                          Seven Corners

 

—just to name a few.

 

 

Check out some of our testimonials:

www.expatglobalmedical.com/about.html

 

 

 

 

PLACES MY CLIENTS RESIDE

 

Puerto Vallarta, Mexico

 

 

 

Puerto Vallarta’s history began when it was founded in 1851. Back then, the port was used for trading salt and minerals for the mines in San Sebastian and Cuale. It was founded by Don Guadalupe Sanchez, who initially named it Las Peñas de Santa Maria de Guadalupe. The name was eventually modified to Puerto de Las Peñas, or Port of the Rocks. The name was again changed in 1918, the year the town was declared a municipality under the name of Puerto Vallarta- named for the governor of the state Ignacio Luis Vallarta.

 

 

Puerto Vallarta’s popularity rose in the 1950’s, when the town’s airport first opened. The flights brought in people from all over the world, including famous Hollywood director John Huston. Puerto Vallarta became known worldwide when, in 1963, John Huston filmed the movie version of The Night of the Iguana in the town. During the filming, one of the actors, Richard Burton, was having an affair with the already-married Elizabeth Taylor. This not only increased the publicity of the film, but also introduced the world to the natural beauty of Puerto Vallarta. To commemorate John Huston’s contribution to the popularity of the Puerto Vallarta, a statue of him was built on La Isla Rio Cuale. A plaque was also created to commemorate the 25th anniversary of the film.

 

Since then, more and more travelers have visited and continue to visit Puerto Vallarta. In 1968, Puerto Vallarta became a city in Mexico. A highway was built to connect Compostela to Barra de Navidad. In 1970, Puerto Vallarta’s international airport opened up, making way for international and commercial flights. The city’s population also grew, increasing to more than 100,000. Eventually, Puerto Vallarta was commercially developed with the construction of more hotels, resorts and restaurants in the area. Today, Puerto Vallarta is one of the world’s most visited beach destinations. In fact, an estimated 2.5 million travelers – both Mexican and international – frequent the shores of Puerto Vallarta yearly.

 

 

 

 

 

Click Below to get Immediate Online Quotes for the following:

Global Private Medical Insurance:

http://www.expatglobalmedical.com/medical.html

Temporary Travel Medical Insurance:

http://www.expatglobalmedical.com/travel.html

Life Insurance Quote:

Please e-mail us at

wecare@expatglobalmedical.com or john@expatglobalmedical.com

 

Note: Offering a TRUE International Life Insurance Quote online is very difficult, please e-mail us and you’ll have a response within 24 hours!   

 

 

 

FREE TRAVEL GUIDES

 

Click here:

http://dg.travelnow.com/index.jsp?cid=239181

 

 

 

 

 

 

 

 

 

I hope my February 2013 newsletter has given you a few minutes of pleasure and education, while also being a little entertaining… If you would like any quote or have any questions, I’m always free to assist you!

 

 

Free IMMEDIATE Global Medical or Vacation Travel Quote:

https://www.expatglobalmedical.com

 

If you know of anyone that could BENEFIT from the services we offer or a free quote, contact us at john@expatglobalmedical.com

 

Until next month, enjoy your time on this earth and live life to its fullest…”But it’s a good idea to be insured JUST IN CASE!!!!”

 

Today’s Decisions Equal Tomorrows Security…

 

Best Regards,

John McGee – Director www.expatglobalmedical.com

john@expatglobalmedical.com

ExPatGlobalMedical.com

 

106 Keswick Drive – 1st Floor
Advance, North Carolina – 27006
Tel: (336) 998-9583 / Cell: (336) 705-9080

Fax: (336) 998-5493
USA

 
 

 

 

Medical Insurance Motto:

 

After you need it, you can’t qualify for it!

So get it while you’re healthy…

 

 

This month I would like to focus on

two issues:

1) Prostate Exams for Men nearing age 45 and up

2) Breast Self-Exams for Women nearing the age of 35 and older

 

 

 

Prostate Exam

by Kevin Boyd – Consumer Health Interactive

 

-Do I really need this exam?

If you’re 50 or older, yes. Sure, it’s uncomfortable, maybe even a little embarrassing. But there’s good reason to have it. The doctor will manually check your prostate — a walnut-sized gland that surrounds the duct connecting the bladder with the penis — to look for signs of prostate cancer. The American Cancer Society recommends this procedure for all men aged 50 and up. Men at particularly high risk of prostate cancer (including African Americans and anyone with prostate cancer in his family) should start being examined at age 45.

But that’s not the only reason to have the exam. The doctor will also check to see if your prostate is enlarged, a common problem in men who are middle-aged or older. If you’ve noticed problems with urination — an urgent need to relieve yourself, a weak stream or leaking, or unusually frequent urination, especially at night — you may have an enlarged prostate that’s blocking the urine flow from your bladder. If you think this could be the case, call your doctor and set up the exam.

 

-What should I expect?

Usually painless, the digital rectal exam, or DRE, takes a minute or less (though it may seem longer). The doctor will ask you to bend over or lie on your side; then he or she will insert a gloved, lubricated finger into your anus and check the rear surface of the prostate for abnormalities. Hardness or a lump, for example, might be a sign of prostate cancer.

 

-Are there other tests for prostate cancer?

There’s a blood screening known as the PSA test, but the digital rectal exam sometimes picks up cancers the blood test misses. The manual exam isn’t an ideal screening tool; your doctor can’t feel tumors that are on the front of the prostate or buried in the middle. But because the exam is cheap and simple, there’s little reason not to have it.

 

-What if the doctor finds a lump?

Don’t panic; it doesn’t necessarily mean you’re in trouble. About half of the time, a suspicious bump in the prostate turns out not to be cancer. If both your exam and your PSA test suggest that cancer may be present, your doctor will likely order a biopsy so that a sample of tissue can be examined under a microscope.

 

— Kevin Boyd, formerly a freelance health reporter, now works in the communications department at UCSF Medical School in San Francisco, California. 

 

 

 

 

WOMEN’S HEALTH

by Mayo Clinic Staff

 

Breast self-exams — along with clinical breast exams and mammography — raise your awareness of your breast health. Find out what breast familiarity entails and review self-exam techniques.

 

Breast self-exams, long advocated as essential for early breast cancer detection, are now considered optional. What’s stressed today is breast awareness, which involves being familiar with the normal consistency of your breasts and the underlying tissue.

 

Breast self-exams contribute greatly to breast awareness, teaching you how your breasts vary in sensitivity and texture at different times during your menstrual cycle and different stages of life. This sense of what’s normal is known as breast familiarity.

 

When you know the normal feel of your breasts, it’s easier to notice subtle but potentially serious changes. These changes may become apparent quickly, over the course of just a few months. Say, for example, you feel a barely perceptible area of thickening in the upper quadrant of your breast, next to your arm. If you’ve become familiar with how your breasts look and feel, you know your breast usually feels completely smooth in that area. Without a tactile memory from having done many breast self-exams, though, you might not notice this difference. Detecting such a change should prompt you to see your doctor.

 

Although most breast abnormalities discovered on breast self-exams aren’t cancers, a small proportion are. Some of those cancers are at an early stage, when prompt treatment can be lifesaving. That’s why regular breast self-exams — examining your breasts in a way that’s comfortable to you, with an awareness of what’s normal for you — are particularly important if you’re at increased risk of breast cancer. To gain the

greatest benefit from regular breast self-exams, ask your doctor to review your technique at your next checkup.

 

How to perform a breast self-exam

 

Start by looking closely at your breasts. Disrobe and stand in front of a mirror with your arms at your sides. While facing forward and turning from side to side, look for puckering, dimpling or changes in size, shape or symmetry. Check to see if your nipples are turned in (inverted). Inspect your breasts with your arms in two other positions: hands on your hips and hands raised overhead, palms pressed together.

 

Perform the manual part of the exam in the shower or lying down with no shirt or bra on. If you choose the

shower, lather your fingers and breasts with soap to help your fingers glide more smoothly over your wet skin. If you do the exam lying down, choose a bed or other flat surface to lie on.

 

Move your hand over your breast using one of three techniques: the clock pattern, the wedge pattern or the sweeping technique. No matter which method you choose, be sure to check your nipple for any discharge. Do this by gently pinching the nipple with your fingers positioned at 12 o’clock and 6 o’clock and again with your fingers at 3 o’clock and 9 o’clock.

Touching or gently pressing a breast lump may cause some discomfort. If you do detect any changes, such as a lump, thickening, asymmetry, dimpling, redness, nipple discharge or nipple inversion, see your doctor promptly.

 

Breast self-exam using a clock pattern

 

§  Visualize your breast as the face of a clock.

§  Place your left hand behind your head and examine your left breast with your right hand.

§  Place your right hand at 12 o’clock — at the very top of your breast.

§  Press the pads of your three middle fingers firmly on your breast in a slight circling, massaging motion.

§  Move your hand down to 1 o’clock, then 2 o’clock, continuing until you return to 12 o’clock.

§  Continue in the same pattern, moving your hand in smaller circles toward your nipple.

§  Check the tissue under the nipple and look for discharge.

§  Check the tissue under your armpit and surrounding your breast.

§  Place your right hand behind your head and repeat the examination on your right breast using your left hand.

 

Breast self-exam using a wedge pattern

 

§  Visualize your breast as a circle divided into wedges, like pieces of a pie.

§  Place your left hand behind your head and examine your left breast with your right hand.

§  Press the pads of your three middle fingers firmly on your breast in a slight circling, massaging motion.

§  Start at the top of your breast about a half-inch below your collarbone and slide your fingers in toward your nipple as you massage.

§  Examine the breast tissue in the entire wedge — or piece of pie.

§  Move your fingers clockwise to the next wedge in the circle.

§  Continue examining your breast in this manner until you’ve completely examined your breast and underarm.

§  Place your right hand behind your head and repeat the examination on your right breast using your left hand.

 

Breast self-exam using a sweeping technique

 

§  Place your left hand behind your head and examine your left breast with your right hand.

§  Instead of a circling, massaging motion, sweep your three middle fingers from your collarbone down to your nipple.

§  Work clockwise around your breast.

§  Sweep your fingers from the outside of your breast in toward your nipple.

§  To feel deeper breast tissue, repeat the process using a walking motion with your fingers.

§  Continue examining your breast in this manner until you’ve completely examined your breast and underarm.

§  Place your right hand behind your head and repeat the examination on your right breast using your left hand.

 

When should you start breast self-exams?

 

The American Cancer Society recommends that doctors inform women about the benefits and limitations of breast self-exams when they reach age 20. That’s the age you should begin breast self-exams. Whether or not you perform breast self-exams, you should have a clinical breast exam by a health professional every three years until you’re 40. After age 40, schedule a clinical breast exam and a mammogram every year.

 

What’s the best time for breast self-exams?

 

The best time to perform a breast self-exam is about a week after the start of your period. That’s when your breasts are least likely to be tender or swollen. Your breast tissue undergoes changes each month during your menstrual cycle. Changes in hormone levels associated with menstruation cause your breasts to swell. Once your period starts, the swelling subsides and your breasts return to normal.

 

During pregnancy and nursing, your breasts may feel more lumpy than usual. If you have any questions about how your breasts look or feel, don’t hesitate to ask your doctor about them.

 

Pros and cons of breast self-exams

 

One benefit of breast self-exams is the potential to identify and treat a cancerous breast lump while it’s still small and in an early stage of development. On the flip side, however, you might need a biopsy to evaluate an area of concern. If the biopsy results are noncancerous (benign), you might feel that you’ve undergone an invasive procedure unnecessarily. Breast self-exams may also be challenging if you have normally lumpy (fibrocystic) breasts.

 

Breast self-exams alone don’t reduce the number of deaths from breast cancer. Breast self-exams can miss tumors, as can other methods of screening. That’s why it’s important to rely on more than one method to screen for breast cancer. A combined approach to breast cancer screening — including breast self-exams, clinical breast exams, mammography and magnetic resonance imaging (MRI) for certain high risk women — increases your chances of finding breast cancer at an early, treatable stage.