Tag: Custom Content

  • Urgent Care vs. Emergency Room

    September 5, 2019

    Tags: , , , ,

    Let’s say you are getting ready to make your favorite breakfast—avocado toast. You’ve toasted the bread, cut the avocado in half, and are ready to remove the dreaded pit. Of course, your knife slips and you end up slicing your hand—making you the latest victim of “avocado hand.” It seems you cannot stop the bleeding with a simple bandage so now you need to make the decision on where to go to seek help. Do you choose an urgent care facility or the emergency room? What’s the difference?

    Urgent care centers and emergency rooms are both great options for times when you are unable to see your primary care physician (PCP). The reasons for choosing these facilities can be because the injury or sickness has occurred outside normal office hours for your doctor or that you are out of town when an emergency hits. As you know, the first choice for non-life or limb-threatening conditions should be your regular doctor—they will have your medical history on file and your medication list at the ready. When this is not an option, you will need to make the choice on what level of care you need.

     

    Urgent Care Centers

    Urgent care centers fill the gap between when you are sick or minorly injured but cannot see your PCP and when you are in need of hospital emergency care. Most urgent care locations are staffed by doctors or physician’s assistants. These centers can get you in and out quickly and some even take appointments. Since you will not see your PCP at these clinics, it’s always best to bring a copy of all the medications and dosages of meds you take. If you have a special condition, like epilepsy, make sure you disclose that to the urgent care provider you see. In the case of your avocado hand, your urgent care physician may be able to do minor stitches and bandaging at the facility. Most have access to x-ray machines and basic diagnostic tests. The typical range of costs for care at these centers is between $50-$150.

    Here are some conditions that typically can be seen at urgent care centers:

    • Fevers, flu or cold symptoms
    • Ear infections
    • Bronchitis
    • Cuts and bleeding that may require stitches
    • Urinary tract infections
    • Vomiting or diarrhea
    • Minor back pain

     

    Emergency Room Care

    Hospital emergency rooms provide care for life and limb-threatening situations ranging from heart attack and stroke to car accident injuries. Staffed by physicians, nurses, and specialists, emergency rooms have access to highly knowledgeable and diverse medical teams.  In emergency rooms, care is given to the most serious injury/illness first—not on a first-come, first-served basis. Because of this, wait times in emergency rooms are widely varied and may be into a several hours-long wait. Again, it is wise to bring a list of any medications, both prescribed and over-the-counter, with you when seeking care since the ER will not have this information from your PCP. Costs for emergency services can be anywhere from $50 to more than $10,000 depending on the severity of the injury or illness.

    Symptoms that are best evaluated in an emergency room include:

    • Chest pain or difficulty breathing
    • Weakness/numbness on one side
    • Slurred speech
    • Fainting/change in mental state
    • Serious burns
    • Head or eye injury
    • Concussion/confusion
    • Broken bones and dislocated joints
    • Fever with a rash
    • Seizures
    • Severe cuts that may require stitches
    • Facial lacerations
    • Severe cold or flu symptoms
    • Vaginal bleeding with pregnancy

     

    When faced with the decision to visit an urgent care center or emergency room, you have to first evaluate your symptoms. Once you have done this, ask yourself this question, “Does this condition have the possibility of permanently impairing or endangering your life?” If the answer is “yes,” then you have an emergency and should proceed to the nearest hospital ER. If the answer is “no,” then take your towel-wrapped avocado hand to your local urgent care center for stitches or whatever care they recommend. You will save yourself time and money by making a good choice on your care.

  • 5 Tips to Beat the Heat | California Benefits Consultants

    August 19, 2019

    Tags: , , ,

    There’s no denying that summer has arrived. In fact, the news has been abuzz with Alaska’s heat wave in July that sent temperatures soaring between 20 and 30 degrees above average. When you are caught in the middle of a heat wave, it may seem like there’s nothing you can do to keep cool. But, there are ways for you to beat the heat this summer and stay safe from heat related illnesses.

     

    Avoid the Heat

    It may seem like a no-brainer to avoid the heat to prevent a heat related illness but some professions work solely outdoors. In those cases, there aren’t many options for avoiding the heat.  Be aware of the hottest time of day and limit physical activity outside during that time.

    Reduce Activity Levels

    Plan the most active job of the day to be in the morning when the sun and heat aren’t as intense. Heatstroke can occur when a person engages in strenuous activity for long periods of time in the heat. If possible, arrange workflows to include times of rest and times to visit a cooling station.

    Drink Fluids Regularly

    The underlying factor in most heat related illness is the inadequate supply of fluids for your body, in other words, drink more water! Heavy sweating depletes a person’s body of fluid and salt and this in turn can cause heat cramps and heat exhaustion. If this occurs, drink cool water or an electrolyte-replacement beverage like Gatorade. To prevent these two illnesses, drink plenty of water before you know you will be outside in the heat so that your body has sufficient fluids in reserve.

    Have a Buddy System

    When you know you will working outside or even playing outside in the heat of the day, make sure you have someone with you. If you should experience a heat related illness while alone, there would be no one available to offer first aid or call for help. As in the case of heatstroke, confusion and weakness along with fainting and possibly convulsions could occur. These are all series symptoms and require immediate action for treatment. The buddy system gives you a safety net of someone else who can recognize these symptoms and can act to save them.

    Take a Dip!

    The best way to beat the heat is by cooling off your body. Not everyone has access to a pool when spending time outside in the heat so if that’s the case, use cold compresses or ice and ice packs to lower body temperature. You can also remove excess clothing and spray your body with cool water. If you do have someone with you and you are experiencing a heat related illness, make sure they are watching you if you jump into a pool.

     

    By following these easy tips to beat the heat you can safely be outside when temperatures are at their peak. Enjoy your summer and stay cool!

  • Identity Theft | CA Benefits Consultants

    July 8, 2019

    Tags: , ,

    Recently, the “Happiest Place on Earth” wasn’t living up to its name for many families. For almost a full year, malicious software had been installed on point-of-sale systems at several Earl Enterprises restaurants. This software then captured debit and credit card numbers, expiration dates, and cardholder names of users purchasing food at these venues. Identity theft has become too commonplace in our day and age and we need to become better educated on where we are most likely to encounter threats as well as ways to avoid becoming victims.

    How many people are truly affected by identity theft? According to IdentityForce.com, here are some basic numbers:
    • In 2017, 6.64 percent of consumers became victims of identity fraud, or about 1 in 15 people
    • That equals 16.7 million victims last year, an increase of 1 million from 2016
    • Over 1 million children in the U.S. were victims of identity theft in 2017, costing families $540 million in out-of-pocket expenses
    • There’s a new victim of identity theft every 2 seconds
    • Identity theft is one of the most common consequences of data breaches, as 31.7 percent of breach victims experienced ID theft
    • There were 1,579 data breaches exposing 179 million records last year
    • It takes most victims of identity theft 3 months to find out what’s happening, but 16 percent don’t find out for 3 years
    How do you protect yourself from identity theft? Experts agree that there are several basic steps to take to help prevent theft from happening.

    CHANGE PASSWORDS REGULARLY

    If you are anything like me, you frequently forget the passwords you have for the numerous online accounts you manage. One way to manage those passwords, and help you remember to change them, is an online password manager like LastPass. Enter the passwords into this secure account and then you’ll just need to remember one password to access them all. Was there a security breach at your gym? Just log on to LastPass and in one click, you can have a new password for your account and can go along with your day.

    AVOID PUTTING PERSONAL INFO ON SOCIAL MEDIA

    In an era of “over-sharing” you must be cautious about giving away personal information on your social media accounts. Thieves are smart and can mine your accounts for information. When you post about being out on vacation, you open the door for thieves to come rob your home. The same holds true for identity theft. Be careful about posting sensitive information online like maiden name, age, birthday—even your high school! All it takes is one crafty thief to take the background info you’ve posted on social media and open a new credit card in your name. Use caution when you share this sensitive information online.

    CHECK YOUR ACCOUNTS REGULARLY

    Gone are the days of getting a bank statement in the mail every month that you reconcile with your checking account ledger. With almost all of our banking transactions occurring online, many people never check the detailed statements for their accounts. This is exactly what the identity thieves want to happen. Check your bank statements for transactions you didn’t make, medical bills for care you didn’t receive, and credit card statements for cards you do not have. Also, make it a practice to check each of your three credit reports at least once a year—and the best part is that this is free for you to use!

    ID THEFT INSURANCE

    One last way to protect yourself against identity theft is to enroll in ID Theft Insurance. While ID Theft Insurance does not protect against the actual monetary theft, it does cover the costs you, as the victim, will incur while rebuilding your identity. The coverage may include:
    • Phone call and photocopying charges
    • Postage fees for mailing documents
    • Salary loss due to uncompensated time away from work while repairing one’s identity
    • Legal fees
    • Access to a fraud specialist who can assist in restoring good credit and protecting one’s identity again
    • Help with preparing documents, filing police reports and creating a fraud victim affidavit

    Taking these steps will help protect you and your family from identity theft. While it doesn’t guarantee you will be protected all the time, it does make it harder for the thieves to gain access to your protected information—and this can make your identity stay in a happy place—with you!

  • Urgent Care vs. Emergency Room

    September 5, 2019

    Tags: , , , ,

    Let’s say you are getting ready to make your favorite breakfast—avocado toast. You’ve toasted the bread, cut the avocado in half, and are ready to remove the dreaded pit. Of course, your knife slips and you end up slicing your hand—making you the latest victim of “avocado hand.” It seems you cannot stop the bleeding with a simple bandage so now you need to make the decision on where to go to seek help. Do you choose an urgent care facility or the emergency room? What’s the difference?

    Urgent care centers and emergency rooms are both great options for times when you are unable to see your primary care physician (PCP). The reasons for choosing these facilities can be because the injury or sickness has occurred outside normal office hours for your doctor or that you are out of town when an emergency hits. As you know, the first choice for non-life or limb-threatening conditions should be your regular doctor—they will have your medical history on file and your medication list at the ready. When this is not an option, you will need to make the choice on what level of care you need.

     

    Urgent Care Centers

    Urgent care centers fill the gap between when you are sick or minorly injured but cannot see your PCP and when you are in need of hospital emergency care. Most urgent care locations are staffed by doctors or physician’s assistants. These centers can get you in and out quickly and some even take appointments. Since you will not see your PCP at these clinics, it’s always best to bring a copy of all the medications and dosages of meds you take. If you have a special condition, like epilepsy, make sure you disclose that to the urgent care provider you see. In the case of your avocado hand, your urgent care physician may be able to do minor stitches and bandaging at the facility. Most have access to x-ray machines and basic diagnostic tests. The typical range of costs for care at these centers is between $50-$150.

    Here are some conditions that typically can be seen at urgent care centers:

    • Fevers, flu or cold symptoms
    • Ear infections
    • Bronchitis
    • Cuts and bleeding that may require stitches
    • Urinary tract infections
    • Vomiting or diarrhea
    • Minor back pain

     

    Emergency Room Care

    Hospital emergency rooms provide care for life and limb-threatening situations ranging from heart attack and stroke to car accident injuries. Staffed by physicians, nurses, and specialists, emergency rooms have access to highly knowledgeable and diverse medical teams.  In emergency rooms, care is given to the most serious injury/illness first—not on a first-come, first-served basis. Because of this, wait times in emergency rooms are widely varied and may be into a several hours-long wait. Again, it is wise to bring a list of any medications, both prescribed and over-the-counter, with you when seeking care since the ER will not have this information from your PCP. Costs for emergency services can be anywhere from $50 to more than $10,000 depending on the severity of the injury or illness.

    Symptoms that are best evaluated in an emergency room include:

    • Chest pain or difficulty breathing
    • Weakness/numbness on one side
    • Slurred speech
    • Fainting/change in mental state
    • Serious burns
    • Head or eye injury
    • Concussion/confusion
    • Broken bones and dislocated joints
    • Fever with a rash
    • Seizures
    • Severe cuts that may require stitches
    • Facial lacerations
    • Severe cold or flu symptoms
    • Vaginal bleeding with pregnancy

     

    When faced with the decision to visit an urgent care center or emergency room, you have to first evaluate your symptoms. Once you have done this, ask yourself this question, “Does this condition have the possibility of permanently impairing or endangering your life?” If the answer is “yes,” then you have an emergency and should proceed to the nearest hospital ER. If the answer is “no,” then take your towel-wrapped avocado hand to your local urgent care center for stitches or whatever care they recommend. You will save yourself time and money by making a good choice on your care.

  • 5 Tips to Beat the Heat | California Benefits Consultants

    August 19, 2019

    Tags: , , ,

    There’s no denying that summer has arrived. In fact, the news has been abuzz with Alaska’s heat wave in July that sent temperatures soaring between 20 and 30 degrees above average. When you are caught in the middle of a heat wave, it may seem like there’s nothing you can do to keep cool. But, there are ways for you to beat the heat this summer and stay safe from heat related illnesses.

     

    Avoid the Heat

    It may seem like a no-brainer to avoid the heat to prevent a heat related illness but some professions work solely outdoors. In those cases, there aren’t many options for avoiding the heat.  Be aware of the hottest time of day and limit physical activity outside during that time.

    Reduce Activity Levels

    Plan the most active job of the day to be in the morning when the sun and heat aren’t as intense. Heatstroke can occur when a person engages in strenuous activity for long periods of time in the heat. If possible, arrange workflows to include times of rest and times to visit a cooling station.

    Drink Fluids Regularly

    The underlying factor in most heat related illness is the inadequate supply of fluids for your body, in other words, drink more water! Heavy sweating depletes a person’s body of fluid and salt and this in turn can cause heat cramps and heat exhaustion. If this occurs, drink cool water or an electrolyte-replacement beverage like Gatorade. To prevent these two illnesses, drink plenty of water before you know you will be outside in the heat so that your body has sufficient fluids in reserve.

    Have a Buddy System

    When you know you will working outside or even playing outside in the heat of the day, make sure you have someone with you. If you should experience a heat related illness while alone, there would be no one available to offer first aid or call for help. As in the case of heatstroke, confusion and weakness along with fainting and possibly convulsions could occur. These are all series symptoms and require immediate action for treatment. The buddy system gives you a safety net of someone else who can recognize these symptoms and can act to save them.

    Take a Dip!

    The best way to beat the heat is by cooling off your body. Not everyone has access to a pool when spending time outside in the heat so if that’s the case, use cold compresses or ice and ice packs to lower body temperature. You can also remove excess clothing and spray your body with cool water. If you do have someone with you and you are experiencing a heat related illness, make sure they are watching you if you jump into a pool.

     

    By following these easy tips to beat the heat you can safely be outside when temperatures are at their peak. Enjoy your summer and stay cool!

  • Identity Theft | CA Benefits Consultants

    July 8, 2019

    Tags: , ,

    Recently, the “Happiest Place on Earth” wasn’t living up to its name for many families. For almost a full year, malicious software had been installed on point-of-sale systems at several Earl Enterprises restaurants. This software then captured debit and credit card numbers, expiration dates, and cardholder names of users purchasing food at these venues. Identity theft has become too commonplace in our day and age and we need to become better educated on where we are most likely to encounter threats as well as ways to avoid becoming victims.

    How many people are truly affected by identity theft? According to IdentityForce.com, here are some basic numbers:
    • In 2017, 6.64 percent of consumers became victims of identity fraud, or about 1 in 15 people
    • That equals 16.7 million victims last year, an increase of 1 million from 2016
    • Over 1 million children in the U.S. were victims of identity theft in 2017, costing families $540 million in out-of-pocket expenses
    • There’s a new victim of identity theft every 2 seconds
    • Identity theft is one of the most common consequences of data breaches, as 31.7 percent of breach victims experienced ID theft
    • There were 1,579 data breaches exposing 179 million records last year
    • It takes most victims of identity theft 3 months to find out what’s happening, but 16 percent don’t find out for 3 years
    How do you protect yourself from identity theft? Experts agree that there are several basic steps to take to help prevent theft from happening.

    CHANGE PASSWORDS REGULARLY

    If you are anything like me, you frequently forget the passwords you have for the numerous online accounts you manage. One way to manage those passwords, and help you remember to change them, is an online password manager like LastPass. Enter the passwords into this secure account and then you’ll just need to remember one password to access them all. Was there a security breach at your gym? Just log on to LastPass and in one click, you can have a new password for your account and can go along with your day.

    AVOID PUTTING PERSONAL INFO ON SOCIAL MEDIA

    In an era of “over-sharing” you must be cautious about giving away personal information on your social media accounts. Thieves are smart and can mine your accounts for information. When you post about being out on vacation, you open the door for thieves to come rob your home. The same holds true for identity theft. Be careful about posting sensitive information online like maiden name, age, birthday—even your high school! All it takes is one crafty thief to take the background info you’ve posted on social media and open a new credit card in your name. Use caution when you share this sensitive information online.

    CHECK YOUR ACCOUNTS REGULARLY

    Gone are the days of getting a bank statement in the mail every month that you reconcile with your checking account ledger. With almost all of our banking transactions occurring online, many people never check the detailed statements for their accounts. This is exactly what the identity thieves want to happen. Check your bank statements for transactions you didn’t make, medical bills for care you didn’t receive, and credit card statements for cards you do not have. Also, make it a practice to check each of your three credit reports at least once a year—and the best part is that this is free for you to use!

    ID THEFT INSURANCE

    One last way to protect yourself against identity theft is to enroll in ID Theft Insurance. While ID Theft Insurance does not protect against the actual monetary theft, it does cover the costs you, as the victim, will incur while rebuilding your identity. The coverage may include:
    • Phone call and photocopying charges
    • Postage fees for mailing documents
    • Salary loss due to uncompensated time away from work while repairing one’s identity
    • Legal fees
    • Access to a fraud specialist who can assist in restoring good credit and protecting one’s identity again
    • Help with preparing documents, filing police reports and creating a fraud victim affidavit

    Taking these steps will help protect you and your family from identity theft. While it doesn’t guarantee you will be protected all the time, it does make it harder for the thieves to gain access to your protected information—and this can make your identity stay in a happy place—with you!

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