Helpful Thanksgiving Travel Tips

For many of us, Thanksgiving is a time where we travel to spend time with our beloved family. But how do we travel without the stress of travel?

The Thanksgiving holiday is undoubtedly in the top 2 of the busiest travel days of the year with notorious transportation delays, infinite traffic, and travel interruptions and annoyances nearly everyone faces. With a bit of planning and foresight, you can  decrease the amount of stress you will face at the airport on Thanksgiving day and head home for the holidays with a smile on your face. Regardless of your plans, you’ll be thankful you read these helpful Thanksgiving travel tips.

Plan Ahead

Nearly of all the stress one gets while traveling is due to poor planning. Thanksgiving is still a few weeks away and you still have plenty of time to plan everything. Have a plan on how you’ll be getting to the airport, know where your passport is before the hour of your flight, and make a checklist to help you pack everything you need.

Choose Better Days

If you have not bought your ticket yet, don’t purchase on just any day. Fly out Monday, Tuesday, or even on Thanksgiving morning to get the best deals possible and to avoid all the potential congestion that the Wednesday before Thanksgiving brings. On the way back, crowds reach their peak on Sunday morning and afternoon.

Travel Light

Checked bags usually cost extra, depending on whether you chose a good or bad airline (avoid Delta). It’s good if you can fit everything you need in one bag and one handbag to move as fast as possible. The worst thing to be at an airport is to be that person who is holding up the line because you packed all the unnecessaries. Tips: don’t wear a belt, and have easy-to-remove shoes!

Do you have the correct health insurance plan for any trips or accidents you may have on the way to the airport? Contact Stromsoe Insurance Agency for a tailored policy to suit you in California.

It’s Flu Season. Take the Necessary Steps to Stay Healthy.

For many of us, Thanksgiving is a time where we travel to spend time with our beloved family. But how do we travel without the stress of travel?

The Thanksgiving holiday is undoubtedly in the top 2 of the busiest travel days of the year with notorious transportation delays, infinite traffic, and travel interruptions and annoyances nearly everyone faces. With a bit of planning and foresight, you can  decrease the amount of stress you will face at the airport on Thanksgiving day and head home for the holidays with a smile on your face. Regardless of your plans, you’ll be thankful you read these helpful Thanksgiving travel tips.

Plan Ahead

Nearly of all the stress one gets while traveling is due to poor planning. Thanksgiving is still a few weeks away and you still have plenty of time to plan everything. Have a plan on how you’ll be getting to the airport, know where your passport is before the hour of your flight, and make a checklist to help you pack everything you need.

Choose Better Days

If you have not bought your ticket yet, don’t purchase on just any day. Fly out Monday, Tuesday, or even on Thanksgiving morning to get the best deals possible and to avoid all the potential congestion that the Wednesday before Thanksgiving brings. On the way back, crowds reach their peak on Sunday morning and afternoon.

Travel Light

Checked bags usually cost extra, depending on whether you chose a good or bad airline (avoid Delta). It’s good if you can fit everything you need in one bag and one handbag to move as fast as possible. The worst thing to be at an airport is to be that person who is holding up the line because you packed all the unnecessaries. Tips: don’t wear a belt, and have easy-to-remove shoes!

Do you have the correct Auto Insurance coverage  for any accidents you may have on the way to the airport? Contact Stromsoe Insurance Agency for a tailored policy to suit you in California.

3 Ways to Protect Your Skin From the Sun

How do you protect your skin from the giant star in the center of our solar system?

Do you think 93 million miles is far away enough from something to have no effect on you? Normally, you’d be correct. But when that thing is 4.4 nonillion pounds (or a four followed by THIRTY zeros) and also induces nuclear fusion at its core, you’re going to feel a little heat. While the sun’s rays may feel good, they’re no friend to your skin. The sun produces ultraviolet rays which are harmful to your cells and give you wrinkles, age spots, and they’re the top cause of skin cancer. Poetic, isn’t it? The thing that we depend on for life can also take it away. Is there a way to stop this? Luckily for us, science has pulled through again and offered a solution to this problem! Here are three ways to protect your skin from the sun.

How to Protect Your Skin From the Sun

  1. Wear sunscreen every day in all weather conditions and every season. We know it may sound like overkill, but ultraviolet (UV) rays penetrate through clouds and penetrate deep into your skin to cause slight mutations in your DNA, which could lead to cancer.
  2. Wear sunglasses with total UV protection. Unless you want searing pain in your eyeballs, you can’t apply sunscreen to them. Quality sunglasses will do the trick and block the harmful UV rays from damaging your eyes.
  3. Check your skin regularly and spot for any weird spots, growths, and freckles; they could be a sign of skin cancer.

Skin cancer is a very serious problem you should not take lightly. It’s important to protect yourself from it as much as possible. Do you have the correct health insurance plan for your current or future needs? Contact Stromsoe Insurance Agency for a tailored policy to suit you in California.

The Many Risks Of Being Uninsured

The True Cost Of Being Uninsured

If you are looking for ways to save money, you may be thinking of slashing your insurance coverage. You could pocket the money you are currently putting towards your premiums, right? Possibly, but that is only assuming you never get into a car accident, get sick, face a house fire, or find yourself in another expensive unexpected situation. While you know the cost of your insurance coverage, have you considered the cost of being uninsured? Here is a look at the many risks of being uninsured.

  • Financial: We alluded to it above, but by foregoing insurance you put yourself in the path of serious money troubles. Say, for example, that a major storm sweeps through your area and significantly damages your home. Without homeowners insurance, you have to figure out how to not just pay to rebuild your home, but also how to replace all of the personal property you had stored inside, including expensive electronics, art, and jewelry. Are you ready for that kind of expense?
  • Health: Without health insurance, you are not just breaking the law, you are also putting your health at risk. Without health coverage, you are not nearly as likely to go in for a standard check up, and will be missing out on potentially lifesaving preventative care.
  • Friends & Family: If you find yourself facing a financial burden you cannot bear, it could trickle over to your loved ones. Beyond putting your immediate family in dire financial straits, going uninsured can leave everyone close to you feeling stressed for you.

If you want to save money, contact Stromsoe Insurance Agency instead of dropping your coverage all together. As California insurance experts, we can help tailor your coverage to meet your exact needs – including your budget. For the best coverage at the best price, call us today!

 

What Types of Business Insurance Are Available

If you own your own business, there are quite a few insurance products you can use to protect yourself against possible loss and damage. A comprehensive insurance plan will include all of these insurance policies, and there may be discounts available for bundling multiple insurance options together.

Workers’ compensation insurance is required by most states for full-time employees. It will protect you against claims if your employees are injured on the job. Life and disability insurance and health insurance are additional employee benefits that are often offered. Health insurance will become mandatory for many employees starting January 1, 2014.

Commercial auto insurance is a necessity for those that require their employees to drive while on the job, and general liability insurance can protect businesses from injuries that happen on their premises or due to the negligence of their staff. Product liability insurance is vital for those that manufacture products such as consumer goods.

Property and casualty insurance is one of the most common types of insurance and will protect against property damage, while business interruption insurance will insure your company against the potential of lost revenue due to unforeseen events.

For more information about business insurance and your insurance needs contact the commercial insurance experts at Stromsoe Insurance Agency.

Don’t Make the Mistake of Only Looking at Cost When Evaluating New Health Plan Carriers

Over recent years, at least from a percentage standpoint, health plan costs continue to rise substantially. These hikes and the continued premium increases are simply more than many businesses are able or willing to absorb. This conundrum leaves many employers trying to decide if they should pass on part or all of the increased cost to their employees, cutback on benefits, or seek a different carrier offering a more cost-effective plan. If leaning toward the third option, remember that many factors go into evaluating and vetting potential carriers. Even when considering a health insurance carrier change due to being dissatisfied with customer service, record of claim payment, or services offered by your current carrier, employers should carefully evaluate potential new carriers before jumping aboard. Here are 10 key questions that you might want to ask when evaluating and vetting potential carriers:

  1. Is the carrier financially stable and licensed? Insurance rating services and your state insurance commission can help you determine many of these important stability issues.
  2. Does the carrier only issue coverage under the stipulation that a certain number or percentage of your employees enroll?
  3. How does the carrier set their premium rates and allocation of premium cost among claims, commissions, and administrative expenses or fees?
  4. Does the carrier have a sufficient range of providers and locations in their provider network and how many employees will have to make a provider change under the potential new carrier’s provider network? Employees often cite having to change from their current provider or usual hospital and having to pay more to continue with their current provider as the most disruptive elements of a carrier change.
  5. Does the carrier have a positive reputation when it comes to the accuracy and efficiency of claim payments? It’s important to ensure that the carrier has a positive history since employee dissatisfaction in this area can really hurt you during the renewal period. As far as overall reputation, it might be helpful to ask the carrier to provide you with references from customers with a similar sized, located, and niche business.
  6. Does the carrier offer a choice when it comes to plan options like co-payments and deductibles? Choice is important to employees and raises the likelihood of their satisfaction with the plan. It can also result in substantial cost savings, as some employees will opt for cheaper high co-payment and deductible options.
  7. Does the carrier offer plans with preventive screening and wellness programs? Services like these can be a cost saver in many areas, even extending into increased employee productivity and decreased employee absences.
  8. What technology does the carrier use to facilitate ease of access to plan information and, if that portal doesn’t provide sufficient information, is there a real person accessible to address the issue? Having such can save you money and time by cutting down on the calls participants make to your human resource department to have their coverage or claim questions answered.
  9. What steps does the carrier implement to control cost and waste and ensure appropriate care? You might use quality indicators, such as those under the Healthcare Effectiveness Data and Information Set (HEDIS), to determine the performance and effectiveness of a plan on issues like how the plan responds to complaints or access to medical specialists.
  10. What is the carrier’s definition of key contract provisions, such as dependents, usual and customary, coordination of benefits, and covered employees, and what are the caps, exclusions, and limitations on services? Of course, none of the above should seem extreme. It’s also important that the provisions reflect the unique needs of your work force.

As you evaluate carriers and plans, you’ll be glad that you didn’t just look at cost. The above questions will help you get started weighing cost and coverage with the carrier’s stability, reputation, and responsiveness to determine the best carrier and plan for your business.

If you have more questions, comments or concerns, please feel free to contact any of our knowledgeable protection team.  Here are 4 Easy Ways to Reach Us:

  1. CALL 951-600-5751 or 877-994-6787
  2. Fax 951-677-6265
  3. Email – insure@siaonline.com
  4. Visit www.siaonline.com