Homeland Insurance Solutions

  A Quick Guide to Obtaining  Healthcare Coverage   Do you have health insurance? It is undeniable that health insurance makes healthcare more accessible, including preventive services such as screenings and regular check-ups with your doctor.   Consider the fact that only a third of the uninsured U.S population scheduled a preventive visit with their doctor in 2013. On the other hand, 74% of adults with health insurance saw their doctor for a preventive visit during the same year.   If you don’t have insurance, or have a policy that doesn’t meet your needs, it’s important that you learn more about healthcare coverage to find a policy that matches your needs and your budget.   Ask yourself these important questions before purchasing a policy:   1.       What is the Affordable Healthcare Act? The purpose of the Affordable Healthcare Act is to make health insurance more accessible by extending Medicaid coverage, creating a marketplace where you can shop for policie

A Senior’s Guide to Healthy Skin DO'S AND DON'TS FOR PROTECTING AGAINST HARMFUL HABITS   Your skin changes as you grow older. It grows thinner, drier, and less elastic. However, there are many simple things you can do to keep your skin looking and feeling as healthy as possible.   If you’re wondering why your skin is less supple than it used to be, there are many possible causes. That includes certain medical conditions and natural physical changes, like your glands slowing down. Lifestyle plays a part too, especially if you sunbathe or smoke cigarettes.   Learn how to care for your aging skin. Study this guide for keeping your skin healthy in your golden years.   Caring for Dry Skin   Xeroderma and xerosis are the medical terms for dry skin. Dry skin can make you uncomfortable and self-conscious and may cause infections if left untreated.   Try these tips to keep more moisture in your skin:   Avoid hot water. Long hot baths dry out your skin

  9 Important Medicare Mistakes to Avoid   Medicare is complicated. This is the major criticism against it. Many Medicare mistakes occur on a regular basis. Avoiding these mistakes ensures that you’ll have far fewer challenges in getting the care you require.   If you haven’t enrolled in Medicare yet, you’ll be well ahead of the game by keeping these mistakes in mind. Prevention is the best medicine.   If you’re currently enrolled, you can save yourself a lot of money and grief by determining that you’re not committing any of these common mistakes.   Avoid these common Medicare mistakes:   1.       Assuming that the best Part D Plan is the same as that of your spouse. Consider your prescription needs. They may not be the same as your spouse’s needs. Be sure to determine the coverage for the specific medications you take on a regular basis.   ·          Determine your out-of-pocket expenses separately for yourself and your spouse. Ensure that you’re both on

Top 4 Types of Insurance   You May Need (And 3 You Don’t)   While insurance can seem like a waste of money, there are certain types of insurance that are important. It’s rare that you actually get any benefit from making those monthly insurance payments. After all, how many times has your house been struck by an earthquake or a catastrophic fire? It just doesn’t happen very often, but sometimes it does.   On the other hand, there are several types of policies that don’t make a lot of sense for most of us.   Insurance you might want to consider purchasing:   1.       Homeowner’s or Renter’s Insurance. If you own a house, your investment in your home and possessions is worth protecting. If you have a mortgage, you’re probably legally obligated to carry insurance. Renter’s insurance is very inexpensive since it only covers your belongings and not the building itself. That’s your landlord’s responsibility.   ·          If you have automobile insurance, your insuran