Insurance for business

How Supplemental Insurance Will Help Your Business in Cache Valley

It’s hard running a business anywhere in this country.  With all the expenses, insurance concerns, growth plans, and so on, it can be hard to get ahead.  On top of that, you’ve got to attract the best employees possible if you want to get ahead. If you want something “extra” to help retain and encourage your employees,  why not consider Supplemental/Voluntary Benefits?

Why Supplemental/Voluntary Benefits?

Cash benefits from supplemental health insuranceSupplemental Insurance is a voluntary benefit that works in tandem with or without any health insurance benefits you may already offer. They pay the policyholder cash benefits for a specified illness or injury over and above what their health insurance pays.

Many health insurance programs can be very expensive for an employer. To offset the costs, most providers will offer options for high deductibles.  This means that policyholders will have to pay more out of pocket. These high deductible plans are designed with the “big stuff” in mind.  The policyholder knows the ‘little stuff” will be picked up as their hard cost.

That’s where our supplemental policies can be a lifesaver.   Supplemental policies are affordable, give additional coverage for specific health conditions – such as accidents, dental coverage, hospitalization, cancer, etc.  The supplemental policies pay out directly to the policyholder when they make a claim, so there is no fuss with who gets what. The policyholder decides how to use the money – Deductibles, co-payments, loss of work, or everyday bills and expenses.

What Can This Do For My Business?

At the Bullock Agency, we offer numerous supplemental insurance policies.  Our programs are customizable for the size of your business and what benefits you want to offset. While an employee might try to purchase a policy on their own, they are likely to pay more.  When offered through a business, they are extended payroll rates which saves them up to 40% on their premiums. With a payroll group, it’s easy and convenient for employees to sign up and let’s them know you care about them.  By offering programs through payroll deduction, the employee pays for their select policies themselves.  If you want to, you can also contribute as part of their benefits programs. In fact, many small business owners will opt to contribute an amount per month for purchase of supplemental programs if they aren’t providing health insurance.  So whether you just provide access to supplemental insurance or contribute to their policy purchase, you are providing essential insurance benefits to the employee when they may need it most!

Why Cache Valley Businesses?

Insurance for businessWell, aside from being based in Cache Valley for over 30 years, and having helped thousands of policyholders, we love seeing businesses grow and thrive in the valley and elsewhere. As the growth increases, so do the benefits you need to offer.  Being able to offer good supplemental insurance policies makes working for you more appealing to potential employees. If they don’t want to participate, they don’t have to, so that’s no harm to you.  If they do want one, you can offer it at no cost to you, while helping them out in case of whatever happens.  It’s a win-win for everybody.

We are also members of the Cache Valley Chamber of Commerce.  If you’re already a member, or if you join up, we have additional discounts available.  Getting in with the right people can allow you to have the some of best insurance benefits to offer your employees in the valley.

What Benefits Are There?

The Bullock Agency offers many supplemental policies, including health, dental, and life insurance.  We can cover cancer, accidents, hospitalization, short-term disability, critical illness, general wellness, and much, much more. The wide variety of options gives your employees the power to customize their coverage to meet their needs and concerns.  No more tailoring their lives around what policies the insurance giants offer.

Best of all, supplemental policies pay out directly to the policy holder.  They get to decide how to best spend the money.  Once the cash is in their hands they can pay off medical bills, buy groceries and pay house bills while they are forced to stay at home because of an injury or illness.

 

See How We Can Help Your Business

We’re always looking to help people and businesses.  If you’d like to be able to offer your employees better benefits at no cost to you, then get in touch with us.  We’ll give you all the details you need to know and help you set up the best offers in the valley.

Cancer Prevention

National Cancer Prevention Month

Cancer Facts

Cancer PreventionDid you know that in 2018 there were over 17 million new cancer cases?  Or that the number is expected to rise to 27.5 million by 2040 (source)?  Do you want to know what’s really sad?  Many of these cases could probably have been prevented.  Cancer prevention is an important part of a long, healthy life, but so few people know anything at all about it.

Why Cancer Prevention Matters

You no doubt know all about cancer awareness programs. These huge programs spend billions of dollars to make sure you do, but they have a serious flaw in them: they frequently forget to do anything about the prevention side. More than 40% of all cancers and fully half of all related deaths in the U.S. can be attributed to preventable causes. For example, everybody knows about the link between smoking and lung cancer thanks to the hard work of medical science and the efforts of the surgeon general.  Despite this, lung cancer continues to be the most common form in the U.S. even as the number of smokers declines.  Why?  Because lung cancer has so many more causes that just smoking.

More important than awareness, we need to teach cancer prevention.  Just knowing cancer exists doesn’t help anyone if we don’t also teach them all that we know about how to prevent it.

How Do I Prevent Cancer

Actually calling it cancer prevention is a bit off. It’s impossible to completely prevent cancer, as we don’t know all of the causes.  However, there are many ways that we can significantly reduce the risk of getting cancer.  Everybody knows to avoid smoking these days, but what other ways can we do it?

1. Eat Healthy

A healthy diet plays an important role.  Studies have shown that a steady diet based in whole foods, fruits, and vegetables is a major component of cancer prevention. Processed foods, especially processed meats, often contain carcinogens, so these should be avoided.  Alcohol should also be limited; drinking too much alcohol not only puts stress on your liver, but is a contributing factor to breast, lung, colon, kidney and liver cancer.

2. Keep Active

exercise            Obesity is a contributing factor in multiple forms of cancer, including breast, lung, prostate, colon and kidney cancers. Keeping your weight at a healthy level is important for prevention.  Eating healthy will help a lot with that, but don’t neglect being physical active either.

Exercise not only helps you control your weight, it has additional benefits that decrease your risk of cancer. Adults who get at least 150 minutes of moderate aerobic exercise, or 75 minutes of vigorous exercise a week show significant decrease in the risk of getting cancer.  Try and aim for at least 30 minutes a day if you can.

3. Protect Yourself From the Sun

Skin cancer is one of the most common forms of cancer you can get, and its primary cause is ultraviolet radiation from the very sun we need to survive.  While you do need sunlight for good health, there are things you can do to protect yourself form the harmful effects it has.  For example, avoid being out in the sun between the hours of 10 AM and 4 PM, the peak output hours of the suns rays.

When you do go outdoors, spend as much time in the shade as you can.  This will deflect a lot of the UV light, while still letting you get some fresh air.  Don’t forget the sunscreen.  Even on cloudy days, you should go for SPF 30 or higher to protect yourself.  Cover exposed area with tightly-woven, loose-fitting clothes.  Opt for bright or dark colors, as they reflect the most UV radiation.  And most importantly, avoid tanning beds and sunlamps.   A nice tan might be in vogue, but tanning beds put off just as much UV radiation as the sun, but are much closer to you.

4. Vaccinations

vaccine            Certain diseases increase the risk of cancer.  Specifically, hepatitis B and HPV can significantly increase your risk.  Nearly all cases of cervical cancer are caused by HPV, for example. Fortunately, both of these diseases have vaccines available.  Check with your doctor to find out where you can get vaccinated.

5.  Get Regular Medical Check-Ups

As I said earlier, you can’t guarantee prevention of any cancer with 100% certainty.  That’s why regular screenings are important.  Regular screenings will help you catch anything in the early stages, when treatments are most likely to be successful.

We Can Help

While most cancer prevention relies on you taking responsibility for your lifestyle choices, there are things we can do to help you.  Our supplemental insurance policies help cover the cost of regular cancer screenings that standard insurance policies might skimp on.  Our cancer supplemental policy has many benefits payable for diagnosis, chemotherapy, surgery and all other costs related to treatment.  And since our supplemental policies pay out directly to you, you can spend the money however you need it.  No fussing around with insurance agents and doctors, you decide how to best spend the money.  Whether it’s covering unforeseen medical bills your regular policy overlooked, or paying bills that build up due to lost work time, the choice is yours.

We provide insurance to individuals, but don’t forget that we can also provide policies for businesses as well.  Often, our business policies can add layers of additional coverage to your basic policies at minimal additional cost.  These benefits will increase employee loyalty because of just how secure they’ll feel about their health coverage.

Get in touch with us today and find out how we can help you.  But remember, when it comes to preventing cancer, it’s up to you to take your life into your own hands.

national blood donor month

National Blood Donor Month

Did you Know?

On December 31, 1969, President Richard Nixon declared January to be National Blood Donor Month?  No?  I didn’t either, but it is official.

The History of Blood Donor Month

national blood donor month            People often say, “since the beginning of human history” when they want to sound like they’re talking about something important. In the case, however, I can say with perfect accuracy that we have known about blood since the beginning of human history.  Or at least we’ve know that it exists.  William Harvey first described the circulation of blood and how the heart pumps it in the early 1600s.  It was not until the 1900s that we began to understand more about it, when Austrian doctor Karl Landsteiner developed the ABO blood group system.  Later, it would be refined to the A, B, AB, and O blood types that we know today.

Following this development, Rueben Ottenberg would make the first successful blood transfusion in 1907.  In Chicago of 1937, the first blood bank was opened by Bernard Fantus at the Cook County Hospital.  Since then, there have been thousands of transfusions over the years.

Some Facts About Blood Donation

  1. About 36,000 units of red blood cells and 7,000 units of platelets are needed every single day in the U.S.
  2. The Most requested blood type by hospitals is type O.All patients can use the O type, so it is highly valued, but only 7% of people in the world have it.
  3. The victim of a car accident may need up to 100 pints of blood to survive.
  4. 6.8 million people donate blood every year in the U.S.
  5. 38% of the population is able to donate, but less than 10% actually do.
  6. Donating blood is a simple, safe process.After a quick medical history test, the process takes only a few minutes and has no lasting effects, aside from the lives saved.
  7. A single donation can help more than one person.

Can I Donate Blood?

If you want to donate blood, it’s easy to do.  To donate, you need to be at least 17 years old, weight at least 110 pounds, and be in good health.  Certain medications and medical conditions (especially AIDS) will make you ineligible to donate, and you will be put through a short medical history check-up to make sure you’re clear.  If you are, you can donate at any time you like.  Blood donation centers can be found all over the country in every state.  If you want to find a specific place, the American Red Cross has a handy app to help you locate blood drives near you.

But I’m Afraid!

There are common fears associated with giving blood, but you really don’t need to worry.  The screening before they take your blood will determine if you are healthy enough to donate, so you don’t need to worry about any health issues that may result.  As long as you eat a good, healthy meal before donating, you won’t need to worry about a thing.  If the sight of blood upsets you, that can be handled, too.  Many blood donation centers will have TV screens nearby that you can focus on while the blood is being drawn so you never have to see it.

And what about needle phobia?  Well, speaking as someone who once had such a fear, the needle isn’t as bad as you think.  If you don’t donate blood very often, then it can be nerve-wracking at first, but in the end, you feel no more than a brief pinprick.  Once you’ve donated a few times, you find you get over the phobia very quickly.  You might as well take the plunge; it’s an easy fear to get rid of and you help a lot of people in the process.

What Are You Waiting For?

            The need for blood far outpaces the supply.  Every time you donate, it gets put to immediate use. Just a ten-minute visit to the blood bank can save three lives at once, so you know you’re doing a good deed. Since you’re not donating money, you don’t have to worry about charity fraud either.  Your donation goes directly to those who need it most.

So get out there and donate today.  You’ve got nothing to lose, but someone out there has everything to gain.

accident

4 Ways To Protect Yourself This Holiday Season

accidentHoliday Accidents

Thanksgiving is a day for Football for a lot of Americans. Whether it’s watching the professionals, or taking part in a local Turkey Bowl, the game is big here. Football is a pretty dangerous sport. Accidents are common, especially in amateur games.  And football isn’t the only danger during the holiday season.  Cold weather and ice can lead to falls.  House cleaning projects can lead to injuries.  How do you protect yourself?

Supplemental Insurance Policies

supplemental insurance policy If you have an accident, it’s going to cost you money. A visit to a doctor’s office or the ER can rack up bills pretty quick.  A normal health insurance policy will cover some of it, but there are always additional costs.  There are travel time and the cost of gas, money lost from missing work, and many other things you’ll find the basic health insurance policies miss out on.

That’s why supplemental insurance policies are so helpful. For as little as $35-$45 a month, we can provide additional coverage that can help you out in many ways. Here’s how!

1. Accident Coverage

Bullock Agency’s supplemental insurance policies are the top selling in the nation because of the range of coverage we offer.  Whether it’s an accident at an amateur sporting event, or an injury around the house or policy will cover treatments, x-rays, follow-ups, and much more.  With our policy, you won’t have to worry about that Turkey Bowl getting out of hand.  If you get hurt, we’ll be a shoulder to lean on.

2. Hospitalization

A quick visit to the hospital can be expensive. A prolonged stay can be a financial nightmare.  Health insurance may cover some of the costs, but if your stay goes on for an unexpected length of time, it may not be enough.  Our policies can get you anywhere from $500 to up to $3,000 to give you an extra buffer.

3. Short-Term Disabilities

If you break your leg, you don’t go back to work right away.  Even after the initial hospital stay, you may be out of work for a few weeks to a few months before you’re back at full capacity.  Even if your health insurance covers the medical bills, the money you lost while you had to be off your feet is completely ignored.  With our supplemental policies, we can help you get some extra cash to cover your needs while you recover.

4. Wellness Benefits

Health Insurance tends to be about fixing what’s broken.  After you get sick, or after you have that accident, the health insurance pays out to help you with your bills.  Sometimes, though, the best way to fix something is to not break it in the first place.  Our supplemental policies cover preventative measures, like health exams, bloodwork, and cancer screenings.  That way, you can stay healthy instead of needing to get healthy.

 

ProtectionYou Come First

Bullock Agency’s benefits are paid directly to the policyholder.  The cash goes directly to you, so you can use it how you see fit.  We cover you and your family, helping you maintain financial well-being during a medical crisis.  Get in touch with us today and see how we can help you.

Breast Cancer Awareness

Don’t Let Breast Cancer Destroy Your Life

Breast Cancer AwarenessBreast Cancer Awareness Month

October is Breast Cancer Awareness Month.  To help with cancer awareness, we at the Bullock Agency would like to discuss breast cancer and its long-term effects.

Breast cancer, like all forms of cancer, begins when the cells in your body begin to grow out of control (Source).  The cells not only multiply at a faster rate than normal, but also lose their programmed cell death (or apoptosis).  They continue to build up instead of dying off, creating tumors.  Over time, these cells can also spread – or metastasize – to other areas of the body, disrupting vital functions.

According to Breastcancer.Org,  1 in 8 women will get breast cancer, making it second only to skin cancer in terms of how common it is.  This means that while you might not develop breast cancer, you will almost certainly know someone who does.

 

How Breast Cancer Affects People

Breast Cancer affects people in three main ways: physically, emotionally, and financially.

 

Physical

We associate pain with something being wrong, but you may be surprised to know that in early stages, pain is not a common symptom in breast cancer.  In the early stages, the most common symptoms will be changes to the shape of the breast. Lumps are the most obvious sign, but this can also include swelling, redness, changes in texture, or changes in the shape of the nipple.  These might be accompanied by discharges from the nipple and enlarged lymph nodes.

However, many of the side-effects of treatment are highly uncomfortable.  Most treatments – especially chemotherapy and radiation – involve attempting to kill the unhealthy cells with poisons or radiation while doing as little damage to the healthy cells as possible.  Despite our best efforts, these treatments still do some damage. Common side effects of treatment include loss of appetite, nausea and vomiting, fatigue, hair loss, bleeding, sores, and soreness.

 

Emotional

The emotional effects of cancer can be equal to the physical discomforts of the disease. Just hearing you have cancer is frightening. As a potentially fatal disease, it’s a harsh reminder of our own mortality.  You worry about whether or not you will survive. How will your family will deal with things should the worst happen. What financial burdens will treatments incur. Your family worries about all of these things with you.  On top of that, the physical symptoms are exhausting. This can cause depression, decreasing your ability to cope.

 

Financial

The financial burdens are often the elephant in the room. While you focus on the day-to-day business of surviving, the bills start to pile up.  Deductibles, co-payments, specialized therapies, travel to treatment facilities, the inability or decreased ability to work; these are just of few of the indirect costs of cancer not covered by your health insurance.  By the end of treatment, you could find yourself in hundreds of thousands of dollars worth of debt.  It should be no surprise that medical bankruptcy has become the #1 cause of bankruptcy in the United States.

 

How We Can Help

At the Bullock Agency, we want to help with the financial stresses.  With programs that encourage yearly screening, we help you to catch it early, which dramatically increases your chance of survival. With early intervention you can also avoid the perils of medical bankruptcy.

After a diagnosis, many find that their primary medical insurance won’t cover everything.  As the debts mount, many people try skipping treatments.  While this may seem like a good way to save money in the short run, but in the long-term, it increases chances that cancer will recur, meaning even more debt and a greater chance of death.

Since primary medical coverage is often not enough, the Bullock Agency offers supplemental insurance policies.  90% of Americans have less than 6 months worth of savings in their bank account. Supplemental insurance policies can help with that.  For as little as $35-$45 a month, we can provide additional benefits, assisting with the cost of screenings, hospital stays, and transportation.  And even after the diagnosis, we can offer assistance in paying for treatments, surgeries, and more. These added benefits include free coverage for children.

Let Us Help

Don’t hesitate.  If you are over the age of 45, you need yearly screenings. If you have a family history of certain types of cancer, especially Breast and Colon cancer, start even earlier.  Remember that early detection is the best way to keep medical costs low.  It also gives you the best chance of survival. To help alleviate some of your financial concerns, get in touch with us and see how a simple supplemental insurance policy can give you the peace of mind in knowing you won’t have to worry about medical bankruptcy.  The sooner you sign up, the better your benefits will be when the time comes to cash out.