5 Health Insurance Myths Debunked

8/21/2024 (Permalink)

The world of health insurance is tricky and challenging to navigate. Many myths are surrounding it, but not all of them are true. If you are thinking of getting health insurance, you must have heard a few myths about it.

Don’t worry. Our guide will debunk the five most common myths that revolve around health insurance. Here is what they state.

Myth #1. Healthy And Young Individuals Don’t Need Health Insurance

Young individuals in their early or mid-20s are at the peak of their health. That is why they think they don't need to buy health insurance. However, you can get sick anytime at any age.

Many times we don’t even know we have an ailment until the symptoms slowly start showing. That is why it is important to take precautions and opt for a health insurance policy to cover your costs if the need arises.

Myth #2. Benefits Of Health Insurance Will Be Enjoyed From Day One

People think that as soon they purchase the policy, they will be able to reap the benefits. This couldn't be more further from the truth. Many policies have a one month waiting period where you can't claim within a month of the insurance policy.

Besides that, many policies will require you to wait a year or two before you make any claim if you have a pre-existing illness. That is why you need to buy health insurance so that all these waiting periods are over if you ever get sick.

Myth #3. Pre-Existing Conditions Don’t Need To Be Declared

When it comes to any insurance, honesty is the best policy. If you have a pre-existing condition, you will have to specify it on your application. If you don't specify and you need coverage, then your claim may be rejected.

That is because many insurance companies have waiting periods for these conditions, and they look at your medical records to look for undisclosed causes. So, being honest is the best course of action.

Myth #4. The Cheapest Policy Is The Best Policy

Just because a health insurance policy is cheap doesn't mean it's good.  Many low-cost policies only cover the basics. If you have an illness or a condition, then the cheapest policy may not cover it.

Premiums exist for a reason. It is because they cover advanced versions so that many health problems can be covered. So, you should get a policy you think is right for you even if it’s not cheap.

Myth #5. You Don’t Need A Separate Health Insurance Plan If You Are Covered Under A Corporate Health Plan

Just because your employer has provided you with a health insurance plan, it doesn’t mean you don’t need a separate one. However, you can’t entirely depend on your employer’s insurance plan.

If you lose your job, then your health insurance will also come to a halt. That is why it is always good to have a separate health insurance policy to cover all your medical costs and fill the gaps in your corporate health insurance policy.

Fire Works

6/26/2018 (Permalink)

Every year between the Fourth of July and new years eve/day fire works play a major roll in house damage as well as injury's NFPA’s Fireworks report provides estimates of fires and associated losses caused by fireworks through 2013. Information from the Consumer Product Safety Commission’s (CPSC’s) 2014 Fireworks Annual Report about the estimated number of injuries caused by fireworks that were seen in hospital emergency departments is also summarized. Additional details are provided about injuries seen in the month around July 4.

Report highlights

• In 2013, fireworks caused an estimated 15,600 reported fires in the U.S., including 1,400 structure fires, 200 vehicle fires, and 14,000 outside and other fires.
• More than one-quarter (28%) of fires started by fireworks in 2009-2013 were reported on Independence Day. Almost half (47%) of the reported fires on the Fourth of July were started by fireworks.
• According to the CPSC, more than one-third (35%) of the people seen in emergency rooms for fireworks injuries from June 20-July 20, 2014 were under 15; nine percent were under five. 
• CPSC data show that sparklers alone accounted for more than one one-quarter (28%) of the emergency room fireworks injuries seen from June 20-July 20, 2014.  

Ice damage

1/16/2017 (Permalink)

Ice damage

1. Ice storms are caused by freezing rain. The raindrops move into a thin layer of below-freezing air right near the surface of the earth, allowing them to freeze on contact to the ground, trees, cars and other objects.
2. Ice accumulates when super-cold rain freezes on contact with surfaces that are below freezing point. That can be dangerous, especially for older adults. You can walk a senior’s dog to keep them injury free! Sign up for Dog Days of Winter.
3. Throughout the US, ice storms occur most often during the months of December and January.
4. Ice storms have the bizarre effect of entombing everything in the landscape with a glaze of ice so heavy that it can split trees in half and turn roads and pavements into lethal sheets of smooth, thick ice.
5. Ice can increase the weight of branches by 30 times.
6. Urban areas tend to suffer more economic and physical damage than rural areas because of the concentration of utilities and transportation systems (aircraft, trains, vehicles) — all of which may be affected to a great degree by the ice storm.
7. The Midwest and Northeast are prime areas for freezing rain. In the high frequency band in the Midwest, an average of 12 to 15 hours of freezing rain occurs annually.
8. Driving during an ice storm is extremely hazardous, because ice can cause vehicles to skid out of control, leading to devastating car crashes.
9. The National Weather Service refers to winter storms as the “deceptive killers” because most deaths are indirectly related to the storm. In addition to car crashes, people die from hypothermia which is prolonged exposure to cold.
10. In 1998, an ice storm in northern New York and northern New England damaged millions of trees and caused $1.4 billion in damage. Accumulations were as much as three inches thick!
11. The ice storm that struck the northeastern US in December 2008 left 1.25 million homes and businesses without power. Described as the worst storm of the decade, a state of emergency was declared in Massachusetts, New Hampshire, and parts of Maine.

Vacation Planning? Prepare your home!

4/21/2016 (Permalink)

Going on vacation should be relaxing and worry-free which is why it is important to make sure your house is secure before you leave for your trip. Be SERVPRO ready so you don’t come back to damages in your home. Here are some tips for preparing your home provided by SERVPRO of Chambersburg

Make Arrangements with an Emergency Contact

Take plumbing and electric precautions

 Right before you leave

 If you come back from vacation and encounter damage within your home, call SERVPRO of Woodbury/Deptford 856.686.0100. We clean up mold, fire or water damage to your home or business in the Chambersburg and surrounding areas.