Category: Insurance

A Cozy New Rug Collection

by Phillip Warren

Hello friends! Praise be, the election is over and I just marked my birthday over the weekend – my official holiday season milestone. Whenever the calendar passes November 8, I feel like I can finally turn 100% of my attention to all things holiday. Obviously, the holidays are going to look and feel very different than years past. Perhaps instead of the holiday season, we should start referring to the next few months as the hunker down season. Because that’s what holidays in the time of Covid are going to require of us. But I’m not entirely mad about the idea of holing up at home. I’ll take a very valid excuse to look for ways to make my home as cozy, comforting, and beautiful as possible.

Enter the new rug collection from Beni Rugs, designed by my style soul twin, Colin King.

A Cozy New Rug Collection on Apartment 34A Cozy New Rug Collection on Apartment 34

Called the Shape of Color, this new rug collection offers eleven Moroccan style rugs. Each rug features shocks of color inspired by Tangier and Marrakech. The hues are deeply saturated in simple geometric shapes or big bold stripes.

A Cozy New Rug Collection on Apartment 34A Cozy New Rug Collection on Apartment 34

While I typically eschew color, rugs are a wonderful spot to inject something fresh into a room. I used a bold colored rug in my own living room. The particularly nice thing about a rug – it’s an easy way to reenergize a space without really having to change anything else.

A Cozy New Rug Collection on Apartment 34A Cozy New Rug Collection on Apartment 34 A Cozy New Rug Collection on Apartment 34 A Cozy New Rug Collection on Apartment 34

There are a few secrets to picking out a rug. First, you want to think about size. A common mistake is getting a rug that is too small. You want all (or nearly all) your furniture in a space to sit on your rug. That helps a room feel anchored and like everything is working together. A too-small rug will actually make a small space feel even smaller!

Next, you want to think about foot traffic. If you’re looking to put a rug in a high foot traffic area, you’ll want to ensure any rug you select will withstand an onslaught of dirt and use.

Finally, when adding a colorful rug to your space you don’t need to “match your decor. You just want to keep everything in the same design family. Do you decorate with mostly warm colors or cooler tones? That will help you pick your colors.



 

If you’re looking to upgrade the coziness of your home before the holidays hit, I definitely think one of these rugs would be a great way to do it. I’m already debating which one I might add to our house. I do have a home office refresh in the works! If I pick out one of these rugs – I’ll be sure to share.

How are you planning on sprucing up your spaces for the holidays?

images c/o beni rugs

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How to Clean the Inside of a Metal Water Bottle

by Phillip Warren

Metal water bottles have been all-the-rage for a couple of years now. Not only are they friendlier for the environment, but they're also more cost-effective than purchasing disposable plastic water bottles.

Another great thing about metal water bottles is they're more durable than plastic or glass bottles. Like all other bottles, however, it's important to keep mold and unwanted bacteria out of your metal water bottle, so cleaning it regularly is highly recommended.

If you're wondering how to clean the inside of a metal water bottle, fortunately, all you need is a few household items to start cleaning. If you're looking for different ways to clean your metal water bottle, you've come to the right place! Whether it's a just quick solution or a more thorough cleaning process, we've got you covered.

  • Simple cleaning
  • Cleaning your lid
  • Cleaning your straw
  • Deep cleaning

cleaning metal water bottle

The simple cleaning process

To start cleaning your metal water bottle, gather the following household cleaning items:

  • Baking soda
  • White vinegar
  • Sponge or bottle brush

Cleaning your metal water bottle

  1. The first thing you'll want to do is to remove the lid, then pour a couple of tablespoons of white vinegar into the bottle. From there, screw the lid back on and shake the bottle well to evenly coat the sides of the bottle.
  2. Remove the lid, keep the vinegar inside and fill the bottle with water until it's about halfway full. Next, take your sponge or bottle brush and scrub the insides, then remove the brush. Screw the lid on once more and shake again.
  3. Pour the contents out and rinse thoroughly with hot water.
  4. Your metal water bottle will be as clean as new.

If the smell of vinegar isn't for you or if you're on the go, there's another option for cleaning your metal water bottle — cleaning tablets. All you have to do is add some water to the bottle you wish to clean, drop in a tablet and shake it like it's your job.

They'll completely dissolve while shaking so there's no need for a bottle brush or any other tools. Once it's dissolved dump out the water and rinse the bottle once more.

One thing to keep in mind is that the tables are, of course, single-use.

water bottle lid cleaning

The simple lid cleaning process

Cleaning your metal water bottle is really as simple as that. But what about the lids? People often neglect cleaning the lids of their water bottles. The lids are important to clean because they collect a lot of dust and other bacteria throughout the day as you touch the top of the water bottle frequently. Luckily, the lids are just as easy to clean as the bottles.

To start cleaning your lid, gather the following items:

  • Baking soda
  • Dish soap
  • Q-tips

Cleaning your metal water bottle's lid

  1. First, you need to fill a bowl with hot water and baking soda.
  2. Soak the lids and caps in the hot water and baking soda for approximately 2-3 hours.
  3. After 2-3 hours have passed, rinse out the lids with hot water and dish soap.
  4. Use Q-tips to clean any other hard to reach areas within the lid.
  5. Rinse fully with hot water and your lid should be good to go.

water bottle straw cleaning

The simple straw cleaning process

Similar to lids, bottle straws are often forgotten. To start the cleaning process grab the following items:

  • Hot water
  • Dishwashing liquid
  • Straw brush or pipe cleaners

Cleaning your metal water bottle's straw

  1. First mix the hot water and dishwashing liquid in a bowl.
  2. Dip the brush or pipe cleaner into the solution and insert it into the straw. Keep in mind that the brush should be big enough to touch all sides of the brush.
  3. Rinse out the straw with water and you are ready to go.

bottle brush

Do a deep clean!

If you're in a rush, doing a quick clean as mentioned above should do the trick. However, it's suggested that you should do a deep clean at least once per month depending on how often you use your water bottle. If you use your water bottle daily, you might want to deep clean your bottle weekly.

Deep cleaning your metal water bottle

To deep clean your metal water bottle, it'll require a bit more time and attention. Consider utilizing these two ideas below for deep cleaning your water bottle.

  1. Fill your metal water bottle with boiling water and let it sit overnight. In the morning, rinse out the water bottle and wash intensely with dish soap. The boiling water will disinfect germs and get unwanted bacteria out.
  2. Consider getting a bottle brush. A bottle brush helps you clean hard to reach areas and scrubs the bottom and sides of your water bottle. Just fill your metal water bottle with boiling water and mix in some dish soap. Then, use your bottle brush to get a good scrub in. The bottle brush will get any mold that's accrued over time out quickly.

By using either of these two cleaning methods, you'll ensure your water bottle is free of bacteria and any built-up mold. To deep clean the lids, you can and should soak the lids in boiling water overnight, as well. It works like magic!

Clean your metal bottle regularly

As noted above, metal water bottles are easy to clean, yet people often neglect cleaning them. Now that you know how to clean the inside of a metal water bottle don't be that person that lets their water bottle sit in the car without being cleaned for months on end.

Letting bacteria and mold creep in can affect your health in negative ways. Stay healthy by cleaning it out regularly and doing a deep clean at least once per month. Perhaps consider adding it to your spring cleaning schedule and then, you'll never forget!

The post How to Clean the Inside of a Metal Water Bottle appeared first on Apartment Living Tips - Apartment Tips from ApartmentGuide.com.


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A Quick Guide to the Difference Between Medicaid & Medicare

by Phillip Warren

Medicare and Medicaid may sound alike, but the health insurance programs are wildly different. Here's a quick primer.

Medicare and Medicaid may sound alike, but these government health insurance programs are dramatically different from one another. Here’s a brief overview.

What Is Medicare?

Administered by the federal government, Medicare is a health insurance program primarily for adults who are 65 years of age or older and have paid into the Social Security system for at least 40 quarters (about 10 years). An individual who lacks the necessary work credits can also benefit from the program through their spouse, as can individuals who are younger than 65 but have received Social Security Disability Insurance payments for at least two years.

What Medicare Covers

There are different parts to Medicare that make it a veritable “alphabet soup.” For example, Medicare Part A covers mostly in-patient hospital care and provides a minimal benefit for skilled nursing care and hospice care. Medicare Part B covers the costs of outpatient care, such as doctors’ visits, lab tests and preventative care. Medicare Part C is the Medicare Advantage program and an alternative to Medicare parts A and B.

Like most types of insurance, Medicare parts A, B and C include co-pays and deductibles. Generally, the amount of income you earn and the amount of assets you own are irrelevant for participation, so paupers, billionaires and everyone in between can be eligible.

Surprisingly, given that Medicare is primarily a program for individuals 65 and older, the program covers just a small portion of the cost of a nursing home stay. At most, it fully covers the costs associated with the initial 20 days of a stay and provides only partial coverage for the next 80 days. In addition, for a stay to be covered, a patient must meet certain requirements.

For example, the patient must have been hospitalized for at least three consecutive days directly prior to receiving care at a nursing home and that care must be considered medically necessary. Because of these requirements, patients or their families are often forced to pay out of pocket for nursing home care or seek relief from Medicaid.

What Is Medicaid?

Medicaid (known as Medi-Cal in California) is a federal-state program. It primarily acts as a safety net for those who can’t pay for healthcare.

Seniors can participate in Medicaid if they pass three tests: a medical necessity test, an asset test and an income test.

The medical necessity test requires that skilled nursing care is necessary to address the patient’s medical needs. The asset test places strict limits on how much property a patient and the patient’s spouse can own while benefiting from Medicaid. The income test limits how much individuals and couples may earn to be eligible for Medicaid.

There are ways to get around these eligibility tests if you or a loved one can’t pass them but want Medicaid to help pay for the cost of a nursing home stay. However, doing so may require the help of an attorney who practices elder law. A relatively new kind of law, elder law can help individuals preserve their assets and qualify for Medicaid. (Disclosure: The Wiewel Law firm, in Austin, Texas, specializes in estate planning.)

Remember, Medicaid planning is a complicated process and even a small error can mean the program will refuse to help pay for the cost of a nursing home stay. Be sure to speak with an expert if you have concerns.

Image: shapecharge

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A Beginner’s Guide to Insurance Premiums

by Phillip Warren

What is a premium?

To benefit from insurance coverage, you’ll need to pay a premium. A premium is a payment to your insurer that keeps your coverage in place. Insurance companies determine your premium by deciding what the risk is to insure you. Here’s a breakdown of the basics to help you understand what a premium is, why you have to pay it, how it works and ways to reduce your costs.

What Is a Premium?

An insurance premium is effectively the cost of your insurance, whether for health, auto or life insurance. Most companies allow you to pay the annual premium via monthly installments. However, some companies may require you to pay your premium on an annual basis or a semi-annual basis. Some may even want the entire insurance premium up front. Companies often decide they want the insurance premium up front if you have previously had your insurance policy canceled for non-payment.

The price of a premium is usually decided by an actuary or underwriter who takes a base calculation. The base calculation determines what the risk is to insure you. After the base calculation, the company may discount it based on your health, driving record, location and other personal details. This is all based on the type of insurance you’re looking to secure, too.

Your premium may also be determined based on your insurance history. Every insurance company uses different criteria to determine premiums. Some companies use insurance scores based on personal factors like credit rating, car accident frequency, personal claims history and occupation. If your personal factors are attractive to certain companies, you may want to secure a plan with one of them. It could mean a lower cost premium.

You may also pay more money for higher amounts of coverage, whether you’re purchasing life insurance, car insurance, health insurance or any other kind of insurance.

The value and condition of what you are insuring can also change the amount of coverage you need. For example, if you’re a healthy 28-year-old with no kids, your life insurance premium may be very inexpensive because you might not need a large policy. However, the price could increase as you age and your health and family situations change because you may need more coverage.

How Can You Lower Your Rates?

What is a premium?

The type of coverage you purchase affects your premium. If you get more comprehensive coverage with your insurance policy, it may raise your insurance premium. For example, if you insure your vehicle for all risks, you may have to pay more than if you insured it with a policy that doesn’t include collision coverage.

Deductibles can reduce your insurance premiums, as well. An insurance deductible is the cost you pay before the insurance company pays anything. If your car is insured and you have a $1,000 deductible, you have to pay $1,000 before the insurance company will begin to cover any costs. If there are $3,000 in damages to your vehicle, you would have to pay $1,000 and the insurance company would pay the other $2,000. As a general rule, the higher your deductible, the lower your premiums.

In the case of health insurance, taking on a higher deductible, higher co-pays or longer waiting periods may lower your costs. However, if you can afford a plan with a lower deductible, you may want to take that. Lower deductible health plans offer customers more predictable prices for higher amounts of coverage.

Your homeowners insurance premium may be affected by the coverage limits you choose, your deductible amount, optional coverages you select, your home’s age and condition, your claims history and your credit rating.

Car insurance premiums may be affected by your age, your credit score, your driving record, the age of your car, the type of coverage you chose, coverage limits you select, where you live and drive, and how often you drive.

Your life insurance premium may be affected by the amount of life insurance coverage you buy, the type of life insurance policy you select, the length of your policy, and your age, health, and life expectancy.

Insurance Limits

Some companies, specific policies or types of coverage have insurance limits. An insurance limit is the maximum amount of money the company will pay. Typically, the higher your insurance limit, the higher your premium. It’s also the inverse of a deductible. You pay the part of the claim or claims that’s more than the limit on your policy.

Insurance limits can be on a per occurrence basis or on an aggregate basis. For example, a per occurrence basis could be a $20,000 insurance limit on bodily injuries per person, per car accident. An aggregate insurance limit might be a $100,000 limit on construction costs in the event of a natural disaster.

Car Insurance

Car insurance laws and policies typically list liabilities as a set of three numbers that stand for the coverage limits when you’re responsible for an accident. If your numbers were 22/66/15, your insurance would cover $22,000 for bodily injuries per person, $66,000 in total bodily injury coverage per accident and $15,000 for property damage per accident. For personal injury protection, collision and comprehensive coverage, the numbers are listed as a single amount for each type of coverage. Your state may have specific minimum limits for certain coverages, so make sure you’re getting a fair rate.

Health Insurance

Healthcare laws often change, and many lifetime and annual health insurance limits are illegal. However, some health insurance policies still list annual limits or limits on the number of times certain treatments will be covered, such as acupuncture, chiropractic services and orthotics. Companies may also place limits on prescription medication to keep costs down. There may be policies such as “step therapy,” which requires you to try less expensive drugs first, or quantity limits, such as only covering 30 pills in 30 days.

Homeowners Insurance

Your homeowners insurance policy will often list separate limit amounts for different types of coverage. The limit amounts for liability coverage – in case you’re sued by someone for property damage or injuries that occur on your property – may be different than the limit amount for damage to your home and personal property. Make sure you review all of your homeowners insurance coverage limits, such as the amount it may cost to rebuild your home (dwelling coverage), liability coverage and personal property coverage.

Shopping Around

What is a premium?

It’s important to shop around for insurance because different companies have different target clients. You may be the target client for one company, but not for another. That means your premium may be lower with one company than another. The price you pay for your insurance may include taxes or fees, as well. And these could differ from company to company. Before shopping around, call your insurance company and see if they’re willing to lower your premium.

In addition, insurance companies may decide to pursue a new market segment. That can lower rates on a temporary basis, or on a more permanent basis if that works for the company. In either case, you can get a better deal on your insurance if you are part of the demographic that insurance company wants to attract.

The best insurance company for you may not be the best insurance company for your parents or your best friend. It all depends on your age, location and many other factors.

The Bottom Line

Your insurance company will assess the financial risk of insuring you. The greater they perceive that risk to be, the more your premium will cost. It’s important to make sure you let your insurance company know all the ways in which you are a low-risk or lower risk client in order to get premium reductions. After shopping around, you’ll be able to find the insurance policies that are best for your financial situation.

Tips for Reducing Insurance Costs
  • Consider all of the insurance options available based on your individual circumstances. This can help you save money. A comprehensive budget calculator can help you understand which option is best.
  • If you need extra help weighing your insurance options, you might want to consider working with an expert. Finding the right financial advisor that fits your needs can be easy. SmartAsset’s free tool will match you with financial advisors in your area in five minutes. If you’re ready to learn about local advisors that will help you achieve your financial goals, get started now.

Photo credit: ©iStock.com/skynesher, ©iStock.com/kate_sept2004, ©iStock.com/AndreyPopov

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HIPPA (Health Insurance Portability and Accountability Act)

by Phillip Warren

With the growing use of paperless forms, electronic information transfers and storage has become the norm. This is true about our medical information as well. So, how do we know that our sensitive medical records are being kept private? Thanks to a federal law entitled Health Insurance Portability and Accountability Act (HIPAA), health plans, health care providers, and health care clearinghouses are required to abide by a set of standards to protect your data. While this law does offer protection for certain things, there are some companies that are not required to follow these standards. Keep reading to find out where the loopholes are and how you are being protected by this law. 

What is the HIPAA Law and Privacy Rule?

Although HIPAA and Privacy and Security Rules have been around since 1996, there have been many revisions and changes over the years so to keep up with evolving health information technology. HIPAA and the HIPAA Privacy Rule set the bar for standards that protect sensitive patient information by making the rules for electronic exchange as well as the privacy and confidentiality of medical records and information by health care providers, health care clearing houses, and health plans. In accordance with HIPPA, Administrative Simplification Rules were created to safeguard patient privacy. This allows for information that is medically necessary to be shared while also maintaining the patient’s privacy rights. The majority of professionals in the health care industry are required to be compliant with the HIPAA regulations and rules. 

Why do we have the HIPAA Act and Privacy Rule?

The original goal of HIPAA was to make it easier for patients to keep up with their health insurance coverage. This is ultimately why the Administrative Simplification Rules were created to simplify administrative procedures and keep costs at a decent rate. Because of all the exchanges of medical information between insurance companies and health care providers, the HIPAA Act aims to keep things simple when it comes to the healthcare industry’s handling of patient records and documents and places a high importance on maintain patients’ protected health information. 

HIPAA Titles

The Health Insurance Portability and Accountability Act, a federal law which was designed to safeguard healthcare data from data breaches, has five titles. Here is a description of each title:

  • Title I: HIPAA Health Insurance Reform: The objective of Title I is to help individuals maintain health insurance coverage in the event that they lose or change jobs. It also prevents group health plans from rejecting applicants from being covered for having specific chronic illnesses or pre-existing conditions. 
  • Title II: HIPAA Administrative Simplification: Title II holds the U.S. Department of Health and Human Services (HHS) responsible for setting national standards for processing electronic healthcare transactions. In accordance with this title, healthcare organizations must implement data security for health data transactions and maintain HIPPA compliance with the rules set by HHS. 
  • Title III: HIPPA Tax-Related Health Provisions: This title is all about the national standards regarding tax-related provisions as well as the general rules and principles in relation to medical care.  
  • Title IV: Application and Enforcement of Group Health Plan Requirements: Title IV elaborates further on issues related to health insurance coverage and reform, one key point being for patients with pre-existing conditions. 
  • Title V: Revenue Offsets:  This title has provisions regarding company-owned life insurance policies as well as how to handle situations in which individuals lose their citizenship due to issues with income taxes. 

In day to day conversations, when you hear someone bring up HIPAA compliance, they are most likely referring to Title II. To become compliant with HIPAA Title II, the health care industry must follow these provisions:

  • National Provider Identifier Standard: Every healthcare entity is required to have a 10-digit national provider identifier number that is unique to them, otherwise known as, an NPI. 
  • Transactions and Code Sets Standard: Healthcare organizations are required to follow a set of standards pertaining to electronic data interchange (EDI) to be able to submit and process insurance claims.  
  • HIPAA Privacy Rule: This rule sets national standards that help to protect patient health information.
  • HIPAA Security Rule: This rule establishes the standards for patient data security. 

What information is protected by HIPAA?

The HIPAA Privacy Rule safeguards all individually identifiable health information obtained or transferred by a covered entity or business associate. Sometimes this information is stored or transmitted electronically, digitally, on paper or orally. Individually identifiable health information can also be referred to under the Privacy Rule as PHI. 

Examples of PHI are:

  • Personal identifying information such as the name, address, birth date and Social Security number of the patient. 
  • The mental or physical health condition of a person.
  • Certain Information regarding the payment for treatments.

HIPAA penalties

Health industries and professionals should take extra caution to prevent HIPAA violations. If a data breach occurs or if there is a failure to give patients access to their PHI, it could result in a fine. 

There are several types of HIPAA violations and penalties including:

  • Accidental HIPAA violations could result in $100 for an isolated incident and an upward of $25,000 for repeat offenses.
  • Situations in which there is reasonable cause for the HIPAA violation could result in a $1,000 fine and an upward of $100,000 annually for repeat violations.
  • Willfully neglecting HIPAA can cost anywhere between $10,000-$50,000 and $250,000-$1.5 million depending on whether or not it was an isolated occurrence, If it was corrected within a specific timeframe. 

The largest penalty one could receive for a HIPAA violation is $50,000 per violation and $1.5 million per year for repeated offenses.

HIPPA (Health Insurance Portability and Accountability Act) is a post from Pocket Your Dollars.


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