STATE BAR OF NEVADA TAPS MEMBER BENEFITS, INC TO RUN THEIR HEALTH BENEFITS MARKETPLACE

Nevada becomes sixth state bar association to choose Member Benefits

JACKSONVILLE, FL (October 10, 2019) – Member Benefits, a national leader in association benefits and private health exchanges, has announced their appointment as the exclusive provider of a private health insurance marketplace for members of the State Bar of Nevada.

Members will be able to shop customized benefit plans for individuals and explore group health options for law firms. The private exchange utilizes decision support technology to help members select the plans best suited for their needs.

“The State Bar of Nevada is excited to partner with Member Benefits on this insurance exchange. With health coverage on the minds of so many members, we’re pleased to be able to provide options for law firms, as well as solo and small firm practitioners,” said Kimberly K. Farmer, State Bar of Nevada Executive Director.

The State Bar of Nevada is in good company; several other state bar associations are already on Member Benefits’ client roster – including the State Bar of Texas, The Florida Bar, the State Bar of Georgia, The Missouri Bar, and the Washington State Bar Association.

Product offerings available to State Bar of Nevada members will initially include:

  • group health insurance
  • individual health insurance
  • dental insurance
  • vision insurance
  • long-term disability insurance
  • term life insurance
  • long-term care insurance
  • Medicare supplemental insurance

These offerings will be available to Bar members, and their spouses, eligible dependents, and employees.

“When we launch a new exchange, the members are often pleasantly surprised with the service model behind the exchange. In other words, it’s more than just offering quality products. Our team of in-house benefits counselors have extensive experience working with lawyer’s insurance needs and provide an enhanced customer experience to each member,” said Nick Trefry, COO of Member Benefits.

The program, titled The State Bar of Nevada Health Insurance Marketplace, will be available to members starting in October 2019.

About Member Benefits

Member Benefits is a technology-driven insurance brokerage and third-party administrator that focuses on benefit programs and insurance exchanges for member-based organizations. They specialize in the design, marketing, and administration of programs for employer groups, associations, affinity groups, and franchises. The company has office locations in Jacksonville, FL and Austin, TX.

About The State Bar of Nevada

The State Bar of Nevada is a public corporation that operates under the supervision of the Nevada Supreme Court. The state bar regulates attorneys in Nevada and provides education and development programs for the legal profession and the public. The state bar has two office locations in Las Vegas and Reno and supports a staff of about 50 people who perform a wide variety of services.

 

Contact Information:

Member Benefits, Inc.
Tom Charde, Director of Marketing
904-396-8626
memberbenefits.com

 

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children eating ice cream cones on a park bench

Two Things Your Teeth Want You to Avoid This Summer

Summer is finally here. This is the time of year where families all over the country can sit back, relax together, and enjoy the warm weather. But while you and your family are trying to keep cool, there are a few summer staples you should avoid in order to prevent tooth decay and the resulting costly dental procedures.

Fruity Drinks

No summer is complete without at least a few fruity drinks by the pool. And while the fruit may be good for you and help keep you hydrated in the summer heat, the excess sugar won’t do you any favors. Despite the main ingredient being fruits and/or veggies, smoothies can contain lots of hidden sugar which can wreak havoc on not just your waistline, but your teeth as well.

According to WebMD, “tooth decay is caused by bacteria that feeds on sugars from food and drinks. That bacteria — called plaque — can stick to your teeth, producing acids that eat through the enamel on your teeth.” So, while a fruity drink or smoothie may sound great, don’t forget that water can be just as refreshing.

Chewing Ice

When it comes to ice cubes, those frozen cubes are best left melting in your cup.

Chewing on ice may seem like a harmless zero-calorie way to keep cool but it can lead to enamel damage. Like all hard foods, chewing on ice cubes can cause chips and cracks to your teeth and create a passageway for bacteria to get in and cause infections.

Aside from the potential for dental damage, chewing or craving ice can also be a sign of a larger health concern such an iron deficiency, or an eating disorder.

Keeping Your Mouth Protected

When it comes to maintaining good oral health and protecting yourself from costly dental work, the best thing you can do is to get covered.

Want to learn more about what dental plan options you have access to? Visit https://memberbenefits.com/individuals/dental-and-vision/ to learn more and to pick a plan that best fits your needs.

elderly man getting eye exam for cataracts

What to Expect: Seeing Your Way Through Cataracts Surgery

No one ever claimed that getting older would be fun. And while the many technological advancements in medicine can’t solve everything related to aging, it can help restore vision loss due to cataracts.

What are Cataracts?

According to All About Vision, “A cataract is a clouding of the lens inside the eye, causing vision loss that cannot be corrected with glasses, contact lenses or corneal refractive surgery like LASIK.” While this may sound serious, cataracts are considered common. By the age of 60, more than half of American seniors will be diagnosed with one.

As our eyes age, our lenses become thicker and increasingly opaque. In some cases, the lens may begin to break down, causing a cloudiness and eventually forming into a cataract. While there are other risk factors that can increase your chances of developing cataracts, the development is most often attributed to age.

In 2015, it was estimated that more than 3.6 million cataract surgeries would be performed in the U.S., and more than 20 million worldwide. Because the development of cataracts has become so common, cataracts surgery has become accepted as a fairly normal part of aging.

What to Expect

If you have cataracts, chances are you and your eye doctor have already been aware of it for some time. Cataracts need to progress to a certain point before they become medically necessary to remove. Once this happens, you and your doctor will schedule a date for a pre-op appointment and surgery.

While the surgery only typically takes approximately ten minutes to perform, the in-office recovery time can take anywhere from thirty minutes to an hour before you can be driven home. Your eye doctor will often send you home with an eye patch, some medicated drops, and a list of activities to avoid until you recover.

Some of these activities may include:

  • Strenuous activity (exercise, lifting anything over 25 lbs)
  • Bending down
  • Getting water in your eyes
  • Exposing your eye to dust or contaminants

Strict adherence to your doctor’s after-care instructions is essential to a full recovery.

Unforeseen Costs

If your doctor considers the surgery medically necessary, Medicare will typically cover most of the cost of the surgery, the pre-surgical exam, and any follow-up care you may require. But Medicare enrollees will still be responsible for meeting their deductible and paying a coinsurance of 20 percent out of pocket. For many seniors living on a fixed income, paying for what Medicare doesn’t can be difficult.

Fortunately, there is Medicare supplement insurance. If you or someone you love is approaching the age of 65, a Medicare supplemental insurance policy (otherwise known as a Medigap policy) can help fill in the financial gaps.

To learn more about the medicare supplement insurance available to you as an association member, please visit https://memberbenefits.com/individuals/medicare/ today.

mother and child practicing good dental hygiene in bathroom

Helpful Dental Hygiene Hacks for Kids

A common question among parents is when they should begin teaching their children oral hygiene. Many dentists assert that parents can start laying the groundwork for good brushing habits before their child’s first tooth even breaks the surface.

According to the Centers for Disease Control (CDC), tooth decay is the most common chronic disease found in children and adolescents, and is four times more likely to affect teens between 14 and 17 than asthma.

But for many parents, getting their kids to brush their teeth is a battle not unlike getting them to eat their broccoli or go to bed on time, But it doesn’t need to be this way. There are many ways parents can set their children up for success when it comes to their oral health without needing to resort to bargaining or threats.

Start Early

For newborns, it is common for parents to use gauze or another type of clean cloth to wipe down their gums down after feedings to discourage germs and bacteria from lingering and developing into problems down the line.

According to the American Academy of Pediatric Dentistry (AAPD), a child’s first trip to the dentist should coincide with the arrival of the first baby tooth, and should happen no later than their first birthday.

Early exposure to dentist visits and cleaning their mouths can help get your child used to these activities in the future. Starting good oral hygiene habits early can help show them that these activities are not out of the ordinary and are just part of the routine and nothing to be afraid of or anxious about.

Lead by Example

Whether it’s what you say or what you do, kids love to imitate adults. So, when it comes to oral hygiene, make sure you’re setting a good example. Try dancing, making funny faces, or even singing or humming a song while brushing. No matter what you do, just be sure that your child sees you enjoying brushing your teeth. This will teach them that brushing is a fun activity that they can look forward to.

Make It Fun

Toothbrush makers know that the more fun they can make brushing for kids, the more likely those kids will grow into adults with healthy brushing habits. That’s why so many toothbrushes now come in flashy colors – some with cartoon characters, some that play music, and others that light up.

And while you won’t be able to find any toothpaste to sing songs to your kids, you will find it available in a variety of colors, flavors, and some even with glitter or other special effects.

Having a cool toothbrush may be half the battle but using positive reinforcement techniques to encourage your toddler to keep brushing also helps. Sticker charts, a special snack, and even an extra ten minutes of play time are all great ideas.

Find What Works

No two children are the same and what works for one, may not work for another. Some children’s gums may be more sensitive than others which will force parents to opt for soft or silicone bristled toothbrushes. Ultimately, it is up to you, the parent, to figure out what works best for your child and hygiene structure.

For parents with children who struggle with developmental disabilities such as autism, the process for learning good oral health habits may prove even more challenging. And with roughly one out of every 40 children in America diagnosed with autism, there is a growing need for more dentists and dental practitioners to be both better equipped and knowledgeable when it comes to serving patients with developmental disabilities.

If your child falls into this group, and getting them to practice good oral hygiene proves too strenuous for both of you, a Board-certified Behavior Analyst (BCBA) may be able to help.

The Right Choice for Your Family

When was the last time your child made a trip to the dentist? With our Comprehensive PPO dental plan, your family will have the freedom to visit any licensed dentist in the country. You can save even more when you visit one of over 135,000 preferred dentists and 32,000 specialists nationwide. Make your family’s oral health a priority by visiting your association page today.

woman on smartphone surrounded by locks graphic img

5 Tips To Help You Protect Your Identity In 2019

Despite best efforts on behalf of businesses and consumers alike, cases of identity theft and fraud have continued to rise. In 2017 alone, an estimated 16.7 million individuals had their identities compromised, up 1.3 million from 2016 and 3.6 million from 2015, according to the 2018 Identity Fraud Study conducted by Javelin Strategy & Research.

While banks and retailers have taken steps to protect credit card information from being stolen (such as with EMV chips), many retailers still require customers to swipe – which eliminates the benefits of the EMV chip altogether.

Know Your Options

You may be feeling helpless when it comes to identity theft, but there are steps you can take to keep your information protected.

Tip #1: Freeze your credit

Thanks to the Economic Growth, Regulatory Relief, and Consumer Protection Act, there is no longer a fee associated with freezing your credit. This is one of the easiest ways you can protect your information without doing anything more than contacting the three major reporting bureaus—Equifax, Experian, and TransUnion. According to Experian, “when you freeze your credit report, you are stopping any of your personal data from being reported to lenders and creditors. Thus, in the event that a fraudster would try to use your Social Security number to apply for a credit card, that application would be rejected, as the bank would be unable to verify your credit score.”

If freezing isn’t for you, all three major credit bureaus offer mobile apps that allow you to lock and unlock your credit using your smartphone.

Tip #2: Update your passwords

The street you grew up on, your pet’s name, or the high school you graduated from are not hard to find out. Instead, consider a random series of letters, numbers, and special characters. Experts such as Perfect Passwords author Mark Burnett suggest coming up with a new secure password every six to twelve months.

Tip #3: Monitor your accounts

If you suspect your identity has been stolen, the faster you act the better. Many banks now monitor your accounts for you and will either text or call you if they suspect any fraudulent activity, but it’s always a good idea to keep an eye on your accounts yourself. It’s important to read through every account charge and investigate anything you don’t recognize immediately.

Tip #4: Don’t leave a trail

How many credit card offers do you receive in the mail, and then simply throw away? According to NerdWallet, “Stolen mail is one of the easiest paths to a stolen identity.” If you haven’t already invested in a personal shredder, there are a number of models designed to help keep your identity safe and protected for less than $30.

Tip #5: DON’T CARRY YOUR SOCIAL SECURITY CARD EVERYWHERE

No one means to misplace their wallet, have their car broken into, or their purse stolen, but accidents happen. This is why it is never a good idea to carry your social security card with you at all times. According to Steven J.J. Weisman, Esq., an Amherst, Massachusetts-based college professor who specializes in white-collar crime, “A Social Security number is the most important piece of information that a criminal can use to make you a victim of identity theft so you shouldn’t carry it with you in your wallet, anyway.”

A better place to store your social security card may be at home, in a safe place, preferably under lock and key.

Protect Your Information In 2019

Are you concerned about your risk of identity theft? To learn more about identity theft protection options available to you, please visit your association page.

elderly couple weighing their long term care options at a dining room table

Dispelling 3 Myths of Long-term care

How much of our lives do we spend thinking about the future? When we’re kids, we think about what we’re going to be when we grow up, what our first car will be, whether or not we’ll get married or if we’ll have children of our own.

At some point, we stop thinking about the future—usually when it stops being fun to imagine. But this is when thinking about the future becomes the most important.

Common Misconceptions Regarding Long-term Care

Myth #1: Medicare will pay for it.

No. Medicare will not pay for your long-term care needs. While Medicare is designed to help those over the age of 65 keep on top of their healthcare needs, long-term care is not one of them according to the federal government. And while Medicare Supplemental plans are often touted to cover things that Medicare leaves behind, long-term care is still not one of them.

Myth #2: I won’t need long-term care.

While this may be true for some, according to Longtermcare.gov, if you were to turn 65 today, you would have almost a 70 percent chance of needing some form of long-term care service during your remaining years.

The generation currently facing the greatest growing need for long-term care services are the Baby Boomers. Born between 1946 and 1964, the Baby Boomer generation accounts for roughly 78 million Americans, and according to Medicare.gov, it is estimated that 12 million of them will require long-term care services by 2020.

Myth #3: My spouse or kids will take care of me.

According to the National Academy of Social Insurance, it is estimated that 25 to 30 percent of the baby boomer generation “will become divorced or widowed by the time they reach ages 55 to 64,” increasing the likelihood of needing to depend on one’s children to provide care.

However, studies have shown that rates of childlessness continue to rise. According to the Center for Disease Control, new data has shown that the birthrate has hit an all-time low. This statistic may not have as large of an impact on older generations who have more children than it will eventually for younger generations that do not.

Taking Control Of Your Future

According to an article from Forbes, “A private room in a nursing home now costs consumers more than $8,000 per month, or $97,455 per year… That’s an increase of 5.5 from just one year ago and a nearly 50% increase since 2004. A semi-private room is less expensive, but still carries a hefty price tag: $85,775 per year.”

Assisted living facilities are more affordable but the national average for a private room will still run approximately $45k a year — which is actually proving to be more affordable than in-home health aids ($49,192) and standard homemaker-type services ($47,934), according to the Genworth 2017 Cost of Care Study.

With the yearly cost of long-term care only continuing to rise, long-term care insurance can help both you and your family cover the cost of your care should you need it in the future.

To learn more about long-term care insurance or what other products may be available to you, please visit your association page for more information.

professional african american holding jaw experiencing dental pain

5 Most Common Dental Problems And How To Avoid Them

According to American author William Arthur Ward, “A warm smile is the universal language of kindness.” Smiling is something we do instinctively as infants and something we carry with us all throughout our lives. Unfortunately for some, their smiles may not prove to be as warm and welcoming as they would hope. Problems such as gum disease, yellowed teeth, and chronic bad breath can have a negative impact when meeting new people and could be a sign of a deeper issue due to the close link between oral and overall health.

Many people learn the importance of oral hygiene at a young age. Those who don’t may face a variety of oral health problems down the road, some being scarier than others. So, what are some of the most common dental diseases?

  1. Bad Breath

While some cases of bad breath can be the result of eating foods like onions, garlic, or hard-boiled eggs, other cases may prove to be more serious. Bad breath, otherwise referred to as, Halitosis, may be something that even a good solid brushing won’t be able to fix. Halitosis can be a symptom of larger problems such as gum disease, infection, dry mouth, or even other seemingly unrelated issues like gastric reflux, diabetes, liver or kidney disease. In some instances, Halitosis may even require a trip to your doctor.

  1. Gum Disease

According to the Mayo Clinic, there are over 3 million cases of gum disease each year. And while gum disease, otherwise known as Periodontitis, may be common, that doesn’t make it any less serious. In fact, those with gum disease have a higher chance of developing diabetes, osteoporosis, heart disease and other ailments. In order to lessen your chances of developing gum disease, it is advised to practice good oral hygiene and schedule regular cleanings with your dentist, who may decide whether more preventative action is needed.

  1. Yellow Teeth

While not exactly a disease, yellow teeth can be a sign of poor oral hygiene and can, in some cases, indicate other dental issues that may be lurking just beneath the surface. Visiting the dentist once every six months for a thorough cleaning can help prevent yellowing teeth due to diet or lifestyle choices. In some severe cases, veneers may be recommended.

  1. Toothaches

A toothache should never be ignored. While some cases of a toothache may be related to minor inflammation, other cases could indicate the presence of gum disease, cavities, pulpitis, a broken tooth, or more. When confronted with a persistent toothache, the best course of action is to have a dentist find the underlying cause.

  1. Tooth Erosion

There are few substances within the human body that are stronger than our enamel. This is why everyone from our dentists to television commercials are constantly urging us to protect it — because once our enamel is gone, it cannot be brought back. The loss of enamel is referred to as tooth erosion. Soda, sugar, and some acidic foods can eat away at our enamel. In order to combat the chances of experiencing tooth erosion, brushing with a soft-bristled brush is suggested as well as reducing the number of acidic drinks consumed.

Taking Control of Your Oral Health

When was the last time you visited the dentist? Could you be at risk of developing one, or even all, of these potentially costly dental problems?

Members can secure dental and vision insurance coverage for the whole family. Visit your association page to learn more about what our dental and vision insurance plans can do for you.

young business man explaining group health insurance options to business group at a table in an office

New Strategies to Save Money on Group Health Costs in 2019

As group health insurance costs continue to increase, many employers are looking for new, creative ways to save money while still providing their employees with coverage.

Reference Based Pricing

Reference Based Pricing is a rapidly growing strategy that a number of employers are using to save money on group health insurance costs. This technique gives the employee the ability to choose any provider without the limitations and higher costs of a traditional provider network. By choosing to take advantage of this method, employers have the potential to save between 15 and 20 percent on group health insurance costs.

Association Health Plans

According to the U.S. Department of Labor (DOL), Association Health Plans are defined as “group health plans that employer groups and associations offer to provide health coverage for employees.”

In April of this year, the federal government will begin to allow small employer groups to form new associations based on industry and finally receive access to group health insurance plans typically only reserved for larger companies. While many association health plans already exist, the new legislation eliminates the geographic barriers previously in place.

According to the Congressional Budget Office, “four million Americans, including 400,000 who otherwise would lack insurance, will join an AHP by 2023.”

Direct Primary Care

Direct Primary Care (DPC) is an alternative payment model to third-party billing. With DPC, there is a flat monthly membership fee and nothing else. Employees have access to a physician of their choice and the physician remains accountable to only their patients. This option can also exist alongside a comprehensive major medical plan.

Level Funding

For groups of five or more, level-funded plans are becoming increasingly popular. These plans boast a nationwide network of hospitals and physicians and are offered by a number of reputable insurance carriers. Designed to offer more flexibility to employers, level-funded plans are ERISA complaint and partially self-insured with a savings potential of 10 to 15 percent. Many also offer return-of-premium potential.

Learn More

Want to learn more about these strategies? Tune in to our free webinar on March 7th at 1 pm EST. Jason Cleary, a licensed Benefits Counselor with over 18 years of experience, will be sharing information on how to utilize these tactics and save on group health costs in 2019.

Click to register today.

 

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