The first speaker we had today was Laura Kilty with Shaklee Corporation in Golden, Colorado. Laura took her time today to discuss the Immune System Primer as we head into fall and school. One important thing to remember is that our immune system isn’t just about colds and flu, it is designed to protect us from all invaders.
The first step is getting down to basics… eat as well as you can, get enough sleep, exercise, wash your hands (often), cover your coughs… all those things that mom taught you. Watch your sugar – Laura recently heard sugar described as putting our white blood cells into a coma. White blood cells protect the body from pathogens. The average child is sent to school with a stomach full of cereal and then they are sent to school and the cesspool of the average school it not a wonder that they seem to pick up every thing that goes around.
Also part of your daily plan should be wise supplementation to cover the gaps. Start with a great multi-vitamin like Vita-Lea for adults and Incredivites for the kids.
Protein Drinks – great for energy without raising your blood sugar, at least 60% of our protein intake goes to fuel the immune system.
Optiflora – this probiotic has good bacteria for the gut. 70% of our immune cells reside in the colon. Shaklee has 2 probiotics to choose from – the original Optiflora for those that eat healthy and just want to keep things on track and Optiflora -DI a probiotic clinically proven to help both the immune and digestive systems, switching between the two is a good option.
Vitamin C – essential for the manufacture of white blood cells, which gobble up viruses and bacteria, etc. When your C is deficient, the number of white blood cells can drop by 25%. Those white blood cells that remain lose 25% of their infection fighting ability. Vitamin C is lost with stress and our body does not produce Vitamin C itself, must come from your diet. Shaklee’s Vitamin C comes in chewable or not – the tablet is a time release, like eating an orange every half hour for five hours.
Nutriferon – made to be taken daily, but some find it works well to be taken at the first sign of a virus or when you are exposed to a lot of sick people. This remarkable immune boosting formula has four plants extracts that significantly enhance the body’s production of interferon naturally. Interferon is often called the conductor of your body’s immune orchestra. Great for anyone wanting to improve or regulate their immune system.

Other Shaklee supplements to have on hand:
Defend and Resist – Stimulates the body’s natural resistance and actually stops the virus from duplicating. The ingredients are Echinacea, Black Elderberry, Larch Tree and Zinc, can be swallowed, crushed and made into tea or sucked on. Take it for 7-10 days and then stop.
Garlic – A natural antibiotic, effective against bacteria, virus and fungus. Make sure the garlic you take is not deodorized, deodorized means that the Allicin is removed and that is the effective ingredient.
Extra Vitamin C – the chewable is good for sore throats.
Vitalized Immunity – this is a fizzy tablet that you add to water. Great to take at the first sign of a bug or when you are going to be around a lot of people. Contains 19 vitamins, minerals and herbs.
Hydrate (used to be called Performance) – for dehydration, easier on the stomach than others that contain a bunch of sugar. Make it into popsicles or put in a blender for an ice.
Alfalfa – nature’s natural decongestant

Stomach Soothing Complex – for those tummy troubles, contains peppermint, ginger, anise and fennel. Take in a tablet or make into a tea with honey.

DO the daily things that you know you should and have on hand those extra nutrients to shorten the duration of the bug… just in case.
If you are looking for someone who can help you clean up your medicine cabinet and replace many items with a healthier, cleaner alternative, give Laura Kilty a call!
Laura Kilty  •  Shaklee Corporation  •  303.420.3359  •  Kiltyco@aol.com  •  www.LauraKilty.MyShaklee.com

The second speaker today was Susan O’Kelley, owner of Avanti Insurance Services in Golden, Colorado. Today Susan spoke today about health insurance and how different parts of your plan works.
Copays, Deductibles and Coinsurance

How do out-of-pocket costs work?
Understanding health care can be confusing so understanding the meaning of commonly used terms such as copays, deductibles, and coinsurance is very important. These are considered Out-Of-Pocket costs and knowing these terms may help you understand when and how much you need to pay for health care.

Copays
What is a copay?
A copay (or copayment) is a flat fee you pay on the spot each time you visit the doctor or fill a prescription. For example, if you hurt your back and go to the doctor, the amount you pay for the visit is your copay. Your copay amount is printed on your health plan ID card.

Do I always have a copay?
Not all plans use copays.  Other plans use both copays and a deductible/coinsurance, depending on the type of covered service. Also, some services may be covered at no out-of-pocket cost to you, such as annual checkups and certain other preventive care services.

Deductibles
What is a deductible?
A deductible is the amount you pay each year for most eligible medical services or medications before your health plan begins to share in the cost of covered services. For example, if you have a $2,000 yearly deductible, you pay the first $2,000 of your total eligible medical costs before your plan helps to pay.

Costs that typically count toward deductible**
Costs that don’t count
Bills for hospitalization
Copays (typically)
Surgery
Premiums
Lab Tests
Any costs not covered by your plan
MRIs, CAT scans, and Medical Devices

Anesthesia

Doctor and therapist visits not covered by a copay

Deductibles for family coverage and individual coverage are different. Even if your plan includes out-of-network benefits, your deductible amount will typically be much lower if you use in-network doctors and hospitals.

How do I decide what deductible amount to choose?
If you’re mostly healthy and don’t expect to need costly medical services during the year, a plan that has a higher deductible and lower premium may be a good choice for you.

On the other hand, let’s say you know you have a medical condition that will need care. Or you have an active family with children who play sports. A plan with a lower deductible and higher premium that pays for a greater percent of your medical costs may be better for you.

*** What is the difference between a deductible and a copay? ***
Depending on your health plan, you may have a deductible AND copays.

A DEDUCTIBLE is the amount you pay for most eligible medical services or medications before your health plan begins to share in the cost of covered services.  COPAYS are the flat fee at the time of service (at the pharmacy or doctor’s office, for example).  Some plans allow your copays to count toward meeting your deductible.

Coinsurance
What is coinsurance?
Coinsurance is a portion of the medical cost you pay after your deductible has been met. Coinsurance is a way of saying that you and your insurance carrier each pay a share of eligible costs that add up to 100 percent.

For example, if your coinsurance is 20 percent, you pay 20 percent of the cost of your covered medical bills. Your health insurance plan will pay the other 80 percent. If you meet your annual deductible in June, and need an MRI in July, it is covered by coinsurance. If the covered charges for an MRI are $2,000 and your coinsurance is 20 percent, you need to pay $400 ($2,000 x 20%). Your health plan pays the other $1,600. The higher your coinsurance percentage, the higher your share of the cost is. You are also responsible for any charges that are not covered by the health plan, such as charges that exceed the plan’s Maximum Reimbursable Charge.

What is an out-of-pocket maximum?
Out-of-pocket maximum is the most you could pay for covered medical expenses in a year. This amount includes money you spend on deductibles, copays, and coinsurance. Once you reach your annual out-of-pocket maximum, your health plan will pay your covered medical and prescription costs for the rest of the year.

For example, you have a plan with a $3,000 annual deductible and 20% coinsurance with a $6,350 out-of-pocket maximum. You haven’t had any medical expenses all year, but then you need surgery and a few days in the hospital. That hospital bill might be $150,000.

You will pay the first $3,000 of your hospital bill as your deductible. Then, your coinsurance kicks in. The health plan pays 80% of your covered medical expenses. You’ll be responsible for payment of 20% of those expenses until the remaining $3,350 of your annual $6,350 out-of-pocket maximum is met. Then, the plan covers 100% of your remaining eligible medical expenses for that calendar year.

In this scenario, your $6,350 out-of-pocket maximum is much less than a $150,000 hospital bill!

*** What’s the difference between co-pays and coinsurance? ***
Use this chart to compare co-pays and coinsurance to better understand the differences.

Co-pays
Coinsurance
Paid each time you visit your doctor, or fill a prescription
Paid for services and medicines if you’ve met your deductible
Fixed dollar amount
Actual dollar amount varies; you pay a percentage of the total cost of covered services
Counts toward your deductible (in some cases)
Is paid after you meet your deductible
Paid at the time of service
Billed by the provider who you will pay directly. You’ll also receive an Explanation of Benefits (EOB) from your health plan explaining what charges you are responsible for.
Plans vary. Refer to your plan documents for costs and details of coverage under your specific health plan.  Some Include eligible in-network preventive care services. Some preventive care services may not be covered, including most immunizations for travel. Always reference your specific plan documents for a list of covered and non-covered preventive care services.
Susan O’Kelley  •  Avanti Insurance Service  •  303.278.2278  •  info@myavantiservices.com  •  www.myavantiservices.com

Source: Cigna Health; https://www.cigna.com/individuals-families/understanding-insurance/copays-deductibles-coinsurance