Newsletter (page 2)

Whether you're ready or not, the year 2022 has arrived. If there's one thing we've learned in the last few years, it's that life is unpredictable and can throw a curveball. We've also discovered that we're resilient and that we've found methods to take care of ourselves in the face of adversity. Having looked on another year of navigating life while dealing with a pandemic, you might feel that fitness took a back seat or that you didn't get to exercise as much as you had anticipated. But that's okay: a new year means a fresh start for both your wellness objectives and how you think about them.

Focus On Why You Workout
Find out why you're doing what you're doing. It will be very difficult to stay motivated in 2022 if you are unsure of your true motivation. Ask yourself why am I working out, then ask yourself why again after you've written down your answer. Do this seven times in total to see what your answer reveals. Your true reason may astound you.

Create Time
Making time for yourself is difficult when your day is jam-packed with things to accomplish, especially when you're aware that you're in the midst of a pandemic. However, scheduling time to be active or relax and decompress is beneficial to both mental and physical health.

Find an accountability partner
We recommend hiring a health coach or even enlisting the help of some friends to keep you on track. Keep track of your meals and workouts so you can look back and see how you are doing.

Get New Gear
The start of a new year is a perfect time to take stock of your training gear. Perhaps you need new sneakers, training attire that is more appropriate for cold or warm weather, or even some new workout equipment, such as gym floors, free weights, or cardio equipment.

Do it together
A group training activity is one in which three or more people participate. Dance-based classes, indoor climbing, basketball, bike riding, kickboxing, and cardio classes are common group training activities. Group training serves to stimulate the people in it, which is especially beneficial if you have a competitive drive. It also instills accountability and makes the activity enjoyable.

Stay hydrated
Keep yourself hydrated! Every day, drink half of your body weight in ounces of water.
Always follow your doctor's recommendations.
 
A healthy body is a happy body, and there’s no better way to preserve your health and your family’s health than with a health insurance policy from Columbia River Insurance Services.

Let’s face it, medical treatments aren’t cheap. Without health insurance coverage you could end up paying off medical bills for the rest of your life. Columbia River Insurance Services can help you find an affordable healthcare plan that’s right for you. Contact one of our friendly agents today to learn more
 
 

If you are planning to enroll in Medicare for the first time in 2022, we have a few tips for you. If you are new to Medicare, it may seem like there is a lot to learn and absorb. We are here to help you. Please keep this information close to you, and then call us today; we are always available to answer your Medicare questions.

Medicare was created to provide health insurance for all people 65 years of age or older. It has gone through many changes over the years. Here are a few tips to help you. Remember, we are here to help you understand all the benefits of Medicare and guide you through the enrollment process.

You Have To Set Time To Enroll In Medicare
The first time you can enroll in Medicare is called your Medicare Initial Enrollment Period (IEP). Your Initial Enrollment Period is seven months long. It includes:
1.  The three months before the month you turn 65
2.   The month you turn 65
3.   The three months after the month you turn 65

There Are Two Ways to Get Medicare

• Original Medicare (Parts A & B), the traditional way
• Medicare Advantage (Part C), an alternative to the Original Medicare

Original Medicare is administered by the federal government. Medicare Advantage plans are offered by private insurance companies approved by Medicare. They must provide all the same benefits as Original Medicare Parts A and B. Many Medicare Advantage plans include additional benefits, such as coverage for prescription drugs, dental, vision, hearing, fitness, and more.

The Cheapest Price Is Not Necessarily Better
Consider more than the cost of the premium when you sign up for a Medicare Advantage or Medigap plan. Look at co-payments and deductibles, too. The cheapest premium might not provide you with the cheapest overall plan. Also, review a company’s complaint records as well as its financial stability to hopefully ensure that it will be around as long as you plan to be.

This is another reason to have our team help you through the process. It does not cost you any more to have a licensed professional on your team.

A healthy body is a happy body, and there’s no better way to preserve your health and your family’s health than with a health insurance policy from Columbia River Insurance Services.

Let’s face it, medical treatments aren’t cheap. Without health insurance coverage you could end up paying off medical bills for the rest of your life. Columbia River Insurance Services can help you find an affordable healthcare plan that’s right for you. Contact one of our friendly agents today to learn more
 

When you reach the age where you are eligible for Medicare, you will have a variety of alternatives to consider as you select how you want to be covered on health insurance for the rest of your life.

Should you just switch to Medicare Parts A and B and be done with it?
Should you purchase a Medicare Supplement to offset any gaps left by standard Medicare? If so, which policy from which insurance company should you choose?

Should you look for a Medicare Advantage Plan in which you entrust your medical care to a local HMO?
There are numerous companies that provide Medicare Part D prescription drug coverage. Which is the best option for you?
If you meet with a local, qualified agent to discuss your specific circumstances, you have a higher chance of making the right option. If you buy a Medicare Supplement plan on your own or through an authorized agent, the premiums are the same. You'll also have someone to assist you with claims queries, billing issues, and other issues as you utilize your plan.

Let’s face it, medical treatments aren’t cheap. Without health insurance coverage you could end up paying off medical bills for the rest of your life. Columbia River Insurance Services can help you find an affordable healthcare plan that’s right for you. Contact one of our friendly agents today to learn more
 

These Vacation Safety Tips Brought to You By Columbia River Insurance Services

• Don't post on social media until you return.

• Let a trusted neighbor know you will be away and have them keep an eye on your home. It is a good idea to leave your vacation address and telephone number with a neighbor so you can be reached in case of an emergency.

• Be aware of any travel and health alerts at your destination

• Write out a schedule and give it to a family member for safety purposes.

• Make copies of all of your credit cards, important identification information, including your medical insurance cards and your traveler's checks.

• Look for deals. You can find websites all over the internet that can help you score deals on hotels, amusement park tickets, airline travel, and so on. Make sure you look for bargains after you set the budget.

• Put inside and outside lights on timers.

• Advise your alarm company and local police if you will be gone for an extended period.

• Stop the paper and garbage service.

• Don't take expensive jewelry with you. Jewelry can get lost or be a target for thieves.

• Never put your home address on your luggage tags. Write your phone number instead.

• If you are traveling to a foreign country, remember to study up on laws and customs. You will have a much better time if you understand the culture.

• Make sure all electrical appliances are turned off.

• Before you leave for vacation, you may decide to close your curtains to prevent people from peering inside your home to see whether you're there.

Is sleep deprivation bothering you? What about the difficulty in losing weight despite your best efforts? Or is your hairline receding faster than your fathers did? Have you ever wondered why this was the case? Scientists and dieticians around the world argue that this, as well as a slew of other problems, are linked to our diet!

Unfortunately, harmful chemicals are used in modern food production, whether for growing vegetables, preserving, or cooking. Many dietary problems, such as indigestion and ulcers, are common in people who rely on chemically treated food. In this context, a new school of thought that is gaining traction is eating whole, natural foods. Meat and vegetables without preservatives, fresh and raw milk purchased directly from vendors, and fresh fruits are just a few examples.

Having said that, it does not diminish the importance of consuming a variety of nutrients and calories daily. Deficiencies in any of them will initially manifest as a minor issue.

Let us see what the USDA has suggested for Americans. If you consume fewer than 1,800 calories per day as a teen, you must increase your intake by at least 200 calories per day. For an active man, the figure rises even higher. Women's calorie requirements differ from those of men. For example, an 18-year-old male requires 400-800 more calories than a female. What foods contain these calories, and how can the calorific values be calculated? What other nutrients contribute to food balance?

The USDA has a chart (food guide pyramid) with recommendations for obtaining these calories. To balance your diet, you must perform some calculations.

• 5 vegetable servings
• Four fruit servings
• Three servings of milk and milk products
• 11 servings of pasta, cereal, and bread
• Two to three servings of red and white meat, eggs, nuts, and beans combined
• Use fats and sweets sparingly

 
According to the USDA (United States Department of Agriculture), one serving consists of a bread slice, an ounce of cereal, a cup of cooked rice and vegetables, one glass of juice or milk, and 2-3 ounces of lean meat, 1 cup boiled beans.

Diet should not be viewed in isolation. Diet is a broad term, so there are diets that are appropriate for patients as well. The key is to consume as much as your body requires. Maintaining a balanced diet from childhood is critical if you want to live to old age. It could save you a lot of money on medical bills!

 
A healthy body is a happy body, and there’s no better way to preserve your health and your family’s health than with a health insurance policy from Columbia River Insurance Services.
Let’s face it, medical treatments aren’t cheap. Without health insurance coverage you could end up paying off medical bills for the rest of your life. Columbia River Insurance Services can help you find an affordable healthcare plan that’s right for you. Contact one of our friendly agents today to learn more