Baker, Harris and Associates Health Benefit Advisors

We’re looking forward to the future. Especially since we can see clearly now thanks to our vision insurance 👀

Vision insurance is often an add-on to larger insurance packages — making it less expensive than other forms of insurance!

📌 Save this post to help you find a vision plan to keep your eyes in check this year!

For , let’s show some love to our hearts. 🫀

Our hearts do a lot of hard work! They supply oxygen while removing toxins by pumping nutrient-rich blood throughout your body.

❤️ Here are the ABCs of heart health as advised by :

A - Aspirin when appropriate

B - Blood pressure control

C - Cholesterol management

S - Smoking cessation

How many of these are you already doing?

📌 Save this for later to manage your blood pressure and heart health!

Do you know what’s covered with your dental plan? 🪥 Let’s get into the details!

It’s Children’s Dental Health Month, and we’re making sure our children’s teeth (and our teeth!) are well taken care of.

If you have dental coverage through your employer, group program, or privately, it might be confusing to know what’s covered and what’s not.
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⁠Make oral health a priority in 2023, and check off all preventative treatments, restorative procedures, and orthodontic treatments you may need.

📌 Save this post so you can take full advantage of your dental plan this year!

Did you miss the Open-Enrollment period for health insurance? 🚨 You may qualify for special enrollment!

We get it. Life can get in the way sometimes, and the deadline for enrolling in health insurance came and went in the blink of an eye.

Although the deadline has passed, it doesn’t hurt to check if any of these special enrollment qualifying events apply to you:

➡️ An error or problem with enrollment⁠
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➡️ An income increase that moves you out of your coverage gap

➡️ Becoming a dependent or gaining a dependent⁠
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➡️ Marriage or divorce⁠
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➡️ Individual plan renewal is outside open enrollment⁠

➡️ United States citizenship or lawful residency⁠
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➡️ A permanent move or relocation⁠
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➡️ Involuntary loss of coverage⁠
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Do any of these apply to you? If so, we can help!

☎️ Call our team today at (336) 815-0005 to speak with one of our health benefits advisors to see if you qualify for special enrollment.

February is — do you know how to do these self-health checks? 🔎

Taking control of your health by creating small habits that can increase your chances of detecting and preventing potential health issues is important.

In between visits to your general healthcare provider, perform these self-checks at home:

☑️ Check your blood pressure

Normal blood pressure for adults is between 90/60 and 120/80 mmHg. Higher levels can indicate a risk factor for stroke, heart attack, or kidney disease.

☑️ Take your temperature

A normal temperature for adults is around 98.6° F. Higher temperatures could mean a bacterial or viral infection.

☑️ Breast self-exam

At-home breast cancer checks are essential between appointments. Look for any abnormal thickening, lumps, or bumps in your breasts and any changes to the skin or ni***es.

☑️ Testicle self-exam

Catch potential testicular cancer early by checking yourself for unusual swelling or lumps.

☑️ Look at your skin

Screen yourself at home for skin cancer by monitoring new growths or moles that have started bleeding, itching, or crusting over.

Share this with a friend so we can all take care of our health!

To kick off , let’s talk about Black health and wellness. 🩺

The COVID-19 pandemic brought the burden of health disparities in Black communities to the forefront.

It’s essential to reflect on our communities’ physical, mental, and emotional health.

We’ve remained resilient despite healthcare inequities and cultural and ancestral traditions that have built our understanding of wellness.

This month serves as a reminder of the importance of becoming a nation that prioritizes healthcare for all communities.

Drop a 🖤 to show your support for Black health and wellness!

Let’s talk about in-network vs. out-of-network when it comes to your health insurance! 🏥

Depending on your specific plan, different doctors, hospitals, and healthcare providers will be included either as in-network or out-of-network.

👉🏾 If you go with out-of-network providers, be prepared to pay more and have fewer costs covered.

That’s because when a doctor joins your insurance company’s network, they agree to charge less, so you pay less.

When possible, use an in-network provider so you can:

➡️ Get discounted rates

➡️ Pay a lower deductible

➡️ Spend less on out-of-pocket costs

➡️ Have fully covered preventive care services

Share this post with a friend to help them better understand their healthcare costs!

Get those pearly whites and 20/20 vision in check this year! 🦷👁️

That’s right, we’re talking about your dental and vision benefits. Get ready to schedule those routine check-ups and appointments in the upcoming months so you can keep up your dental and vision health in 2023.

These tips will help you make the most of your new dental and vision insurance coverage:

DENTAL

✔️Schedule preventive care services, like cleanings and X-rays

✔️Get fluoride treatments for kids to help prevent cavities

✔️Make sure you have basic services, like fillings, taken care of

✔️Find support for major dental work like oral surgery or dentures

VISION

✔️Schedule routine eye exams for optimal eye health

✔️Use discounts or allowances for glasses and contact lenses

✔️Look into discounts on Lasik procedures if you’re interested

🙋🏾‍♀️ Raise your hand if you plan on taking advantage of your dental and vision benefits in the new year!

Choosing the right primary care provider makes ALL the difference in your healthcare! 🩺

Your P*P is the go-to doctor you’ll see the most throughout the year. You need to feel comfortable with this person for the best experience possible. They also need to provide the type of care that works best for you.

Choose the right doctor for your primary care using these guidelines:

✅ In-network for your insurance plan

✅ Currently accepting new patients or has a waitlist

✅ Specializes in any diseases or conditions that apply to you, or is a general or family physician

✅ Has a treatment approach that you align with

✅ Offers telehealth or an online portal for convenience

✅ Can work with your schedule for appointments

✅ Meets your age and gender preferences

✅ Conveniently located close to you

Save this post for later so you know what to look for when choosing your next P*P!

Hello everyone, we’re Baker, Harris & Associates! 👋🏾

Our goal is to help you find the most affordable healthcare coverage that’s right for you and your family.

With so many options to choose from for health insurance plans, it can be overwhelming to figure out where to start. We’re here to help!

Here’s a little bit about us:

🩺 BHA was founded in 2006

🩺 We work with the top insurance carriers

🩺 Our clients include families, individuals, and small businesses

🩺 Our team of health benefits advisors provides expert industry knowledge

🩺 We provide FREE insurance help in person or over the phone

If you aren’t already, follow us for health insurance tips and best practices to help you choose the right health insurance plan for your needs!

You’ve made it past the Open Enrollment phase — now it’s time to put your plan to work! 🩺

We know it can be confusing and stressful to understand your health insurance coverage.

But it doesn’t have to be!

Make the most of your new health insurance plan with these tips:

💻 Register For Your Account Online

Online accounts with your insurance provider help you keep all your insurance information in one place, like specifics on your plan, finding in-network providers, and more.

🪪 Get Your New ID Cards

These will be sent to you by mail, but you can usually download a temporary ID card online and store it on your mobile device if you need it sooner.

✉️ Double Check Your First Bill

Ensure your employer is taking the correct amount out of your pay stubs. If you’re using the Marketplace or individual plans, check to see how much you’ll be paying for your premium.

🏥 Make Your Appointments for Annual Exams

Get the preventative appointments out of the way (most insurance plans cover these 100%), such as annual physicals, cancer screenings, women’s health check-ups, and more.

💰 Keep Track of Health Expenses

This way, you’ll be better prepared for next year to decide which plan could work even better for you and if you’d like to opt for an FSA or HSA to help with specific health expenses.

👉🏾 Send this to a friend so we can all make the most of our health insurance plan!

Don’t miss out on coverage for 2023! 🚨The open enrollment period is ending soon.

If you’re looking for an affordable healthcare plan that’s right for you, our health benefits advisors offer FREE help with enrolling for coverage this year.
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📱 Call our team at (336) 815-0005 before the open enrollment period ends on January 15 and get the coverage you need for the new year ahead!

Time to gather all of your important documents to apply for your new health insurance plan. 📄

There are some pieces of information you’ll be able to fill in yourself, like the basics with your name and date of birth, but other items might require you to pull out your filing folders.

Use this document checklist to make your life easier when applying for insurance:

☑️ Social Security Number Card (if you don’t have the number memorized)

☑️ Immigration Document Information (for lawfully present immigrants who need coverage)

☑️ Employer and Income Information (such as W-2s, pay stubs, Social Security Income, etc.)

☑️ Current Health Insurance Coverage (if anyone in your household is currently enrolled in health coverage, you may need to provide policy numbers)

☑️ Health Reimbursement Arrangement Notice (if anyone in your household is offered an HRA through their employer)

📌 Save this post for later so you have all your documents ready to go!

Not sure which health insurance option you qualify for? 🤔 You’ve got choices!

No matter what your age is, health insurance is always a good idea.

You can never predict when you’ll get sick or if an accident will happen, so it’s always better to be covered for peace of mind.

Explore the options available to you at every stage of your life!

If you’re between 22-25 years old:

➡️ Student Health Plan: Find out if your college or university offers a student health plan for affordable coverage (sometimes it’s included with your tuition!).

➡️ Coverage Under Parent’s Plan: If you’re under the age of 26, you may be able to stay covered under your parents’ health insurance plan.

If you’re 26 years old or older:

➡️ Medicaid: This option is for low-income families or individuals seeking affordable healthcare coverage.

➡️ Catastrophic Plans: These plans offer coverage for major health issues but are limited in covering anything else (which usually means a lower premium and higher deductible).

➡️ Marketplace Plans: The Health Insurance Marketplace allows you to search for plans that may qualify for savings and tax credits.

➡️ Individual Plans: If you look for a private insurance plan, you’ll seek coverage on your own rather than through your employer or the government.

Need help finding out which option works best for you? 📱Call our team today at (336) 815-0005, so you’ll be covered for the new year!

If you haven’t signed up for health insurance yet for 2023, there’s still time! ⏳

We get it, life can get in the way. Especially during the holidays with all the excitement and everything you need to do. But don’t forget to put your health first!

Use these five time-saving tips to breeze through Open Enrollment before the January 15 deadline:

👉🏾 Compare Costs on Plans

Choose the plan that best fits your budget for healthcare. Remember, don’t just look at premium costs. Be sure to consider the out-of-pocket costs and deductibles too.

👉🏾 Know Your Insurance Options

Do you know the difference between a PPO and an HMO? How about an HDHP? Before starting enrollment, figure out which option will best fit your needs.

👉🏾 Double Check Your Enrollment Deadline

Your employer can provide you with this information if you’re going through them. You can also check with the Healthcare Marketplace for deadlines in your state.

👉🏾 Research Medical Expense Accounts

See if your employer offers accounts that allow you to save on medical expenses. Take a look at FSAs, HRAs, and HSAs to see what works for you.

👉🏾 Decide What Coverage You Need

Go over what each plan covers regarding benefits and provider networks. Find out if your current doctors are included in specific plans.

📌 Save these quick tips for when you’re ready to enroll. The deadline for Open Enrollment in most states is right around the corner, so don’t wait!

Looking back on 2022 and feeling grateful. 🙌🏾

We’re excited for the new year with wishes of good health and happiness.

We look forward to serving you in 2023! 🎉 #2023

STOP SCROLLING! ✋🏾 This is important!

Did you enroll in health care coverage for 2023 yet?
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There are only a couple more days left in 2022. Don’t roll into 2023 without health insurance!
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➡️ Secure your next plan before the end of the year by calling BHA at (336) 815-0005 now, and let’s get you covered for the new year.

☝🏾 Before you choose your next insurance plan, there are a few things you need to consider:
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➡️ Higher deductible plans usually have a lower monthly premium, while lower deductibles can have higher premiums. Decide which option works best with your budget for the year.

➡️ Keep in mind that premiums aren’t the only costs with your healthcare coverage. You’re also responsible for paying deductibles, co-pays, coinsurance, services, and treatments.

➡️ See if your preferred healthcare providers are covered under your plan. Out-of-pocket costs for out-of-network services may not be covered under your plan’s out-of-pocket maximum.
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➡️ If you’re on any prescription medication, check to see if they’re covered under your plan. Compare your list of current medicines to the plan’s formulary and see if there are any out-of-pocket costs.

📌 Save this checklist for later as you shop for coverage for 2023!

Season’s greetings from the very merry team at Baker, Harris, and Associates! 🎅🏾

We appreciate your business throughout this year as we continue to help you find affordable healthcare coverage.

From all of us to all of you, merry Christmas and happy holidays.🎄 We look forward to supporting you in 2023!

Don’t risk going into 2023 uninsured! 🙅🏾‍♀️💰

If you’re overwhelmed with all the coverage options, our health benefits advisors can take the guesswork out of choosing the right plan.

Enroll for 2023 coverage today by calling us at (336) 815-0005. ☎️ We’ll help you with a FREE call to discuss your insurance options.

Think you can’t afford health insurance? 💰Think again!
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The Health Insurance Marketplace® has affordable health insurance plans and subsidies to help people pay for insurance coverage (some options may end up being FREE to you!).
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Once you’ve found an affordable healthcare plan that works with your budget, use these top tips to save on your healthcare.

💵 Share these money-saving tips so your friends and family can save money on their healthcare costs too!

As the clock strikes twelve and you ring in 2023, make sure you don’t miss this year’s open enrollment period! ⏰⁠
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Need help finding a plan? 📱Call our team today at (336) 815-0005 to get health insurance coverage for next year. Don’t wait until it’s too late!

Do you know what questions to ask when comparing health insurance plans? 🤔

It’s essential to know your options when choosing a plan that’s right for you, your family, your health, AND your budget.

As you get ready to choose your next insurance plan, answer these important questions first:

👉🏾 What benefits are included in this plan?

Find out if the plan also covers dental, vision, prescriptions, and other services to fit your needs.

👉🏾 How much will I have to pay for coverage?

Outline the amount of your premium, co-payment, deductibles, and other fees to calculate how much your medical care will ultimately cost you.

👉🏾 Can I choose my own doctors?

See if you can keep the doctors and hospitals you prefer or ask for a list of those covered under the plan.

👉🏾 Will routine exams be covered?

These include preventative exams such as mammograms, women’s annual exams, immunizations, and other routine check-ups.

👉🏾 Are there restrictions on pre-existing conditions?

If you or one of your family members has a chronic condition, your plan might restrict what’s covered.

☑️ Share these with a friend so they know the right questions to ask before signing up for coverage!

With the holiday hustle and bustle, don’t forget to protect your family’s health in the new year! 🎄
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📱Call us now for FREE help at (336) 815-0005 and find a health insurance plan that works best for you and your loved ones.

We bet some of these ways to use your HSA funds will surprise you… 😯

You already know HSAs cover your doctor visits and prescription drugs, but you might not realize your other options when using HSA funds!

Not all HSAs are created equal, so it’s always a good idea to reach out to your insurance provider to ensure your expenses are covered under your specific plan.

📌 Save this post if you have an HSA so you know what’s covered when you make your purchases!

🚨 Medicare Open Enrollment ends on December 7th. Are you covered?

Less than a week before the deadline — pick your plan for Medicare coverage in 2023!

What are you waiting for? ☎️ Call us to enroll today at (336) 815-0005 for help choosing the right plan so you’re covered for next year.

Yes, affordable Medicare coverage is possible, and we’ll show you how to make it happen! 🌟

Are you over 65, or do you qualify for Medicare insurance?

Our health benefits advisors can help! Let’s review your best options and get you enrolled in coverage during the 2023 Open Enrollment period.

📱 Contact our team today for FREE help at (336) 815-0005 and find the right Medicare coverage for you.

Not sure how to choose your Medicare insurance plan? Don’t worry, we’ve got you! 🩺⁠

There are many options for Medicare plans, which can make it difficult to decide which one is right for you.

Consider these factors when comparing Medicare insurance plans:

🔵 COST

Look at the total value of a plan instead of just the premium costs to find a plan that best fits your health insurance budget.

🔵 PRESCRIPTION DRUGS

Check to see if your medications are covered by each plan and compare costs for each to save on your prescription drugs.

🔵 NETWORK

Original Medicare (Parts A and B) and Medicare Supplement Insurance allow you to visit any Medicare-approved doctor or hospital.

Medicare Advantage (Part C) plans use provider networks, so using in-network doctors or hospitals will save you the most money.

🔵 TRAVEL

Original Medicare (Parts A and B) and Medicare Supplement plans give you the freedom to use any Medicare-approved doctors or hospitals nationwide.

Medicare Advantage (Part C) plans contain benefits that allow access to see providers outside of your network.

👉🏾 Share this post with your friends who are getting ready to explore their Medicare insurance benefits!

We have plenty to be thankful for this year, including all of YOU!

⁠Wishing you a wonderful Thanksgiving holiday with your family and loved ones. 🦃🍂

No matter how you’re celebrating, take a moment to reflect on the past year and all of the blessings you’ve received.

👇🏾 Leave a comment below about the people you’re most thankful for this year!

Have you checked your family health history lately? 🩺

Here are some essential health-related questions to ask your relatives over the holidays:

✔️ What health conditions have you had?
✔️ At what age were the conditions first diagnosed?
✔️ Do you have any chronic diseases or health conditions?
✔️ Have you ever had cancer? What type?
✔️ Do you have a history of heart disease?
✔️ What were the causes and ages of family members who ️have passed?

Record all information collected and share it with your doctors to better understand your family health history and potential risks to look out for in the future.

Even if you don’t get answers to all of these questions, any information is better than none!