Feeling Down? Here Are Eight Natural Ways to Brighten Your Mood

It's normal for our mood and energy levels to fluctuate every now and then. However, it can affect our daily routine, including how we normally function in our everyday lives. This is especially true now, as the COVID-19 pandemic will have long-term effects on our collective mental health. While we can't always control what triggers our stress and mood changes, there are certain steps you can take to controlling them without having to resort to alcohol or other vices. Below are eight ways that you can boost your mood and mindset naturally.   Exercise Physical activity is one of the…

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How Rear AEB Technology Reduces Fender Benders

Have you ever been tailgating, and then the driver in front of you suddenly slams on their brakes? That situation requires swift reaction to avoid a collision. Fortunately, advanced safety systems are being unveiled every day in the auto industry that can prevent those types of accidents and make our roads safer for all users. A recent study looked at two types of automatic emergency braking (AEB) systems that have been touted as reducing vehicle collisions. What they found surprised them: Rear AEB systems had a considerably larger effect on reducing fender benders, while front AEB systems had a greater…

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Simple Tips for Seniors to Avoid Medicare Fraud

Experts estimate that about $60 billion is lost annually due to Medicare fraud.  Consumers do not have to be Medicare beneficiaries to be affected by the high cost of fraud. Costs are passed down to all Americans in the form of increased insurance premiums, higher medical care outlays and inflated price tags on medical equipment.  Since Medicare fraud can affect any senior, it is beneficial to be proactive about preventing it. If any questions arise, you can call us to discuss a concern you may have about a potential fraud or scam. We may be able to refer policyholders to…

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The 10 Most Expensive Prescription Drugs

Some people spend thousands of dollars a year on medications, and thanks to their insurance they may not have to pay full price for the pharmaceuticals their doctors prescribe. But there is a growing body of drugs that are breaking the bank for insurers and the people who need them. New, innovative medicines that drug companies make using cutting-edge technology and science, can come with hefty price tags. GoodRx.com, a website that provides coupons for purchasing prescription drugs, has published a list of the 10 most expensive drugs in the U.S. The list includes those that are available at pharmacies…

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CMS Approves Medicare Coverage of ‘Breakthrough’ Medical Devices

The Centers for Medicare and Medicaid Services has issued new rules that require Medicare to cover medical devices that the Food and Drug Administration designates as "breakthrough" technology.  The rule paves the way for giving Medicare recipients access to the latest technologies four years after they receive market approval by the FDA. The move should greatly speed up the time by which these new devices are covered by Medicare, the approval process of which can be extremely slow. Under the final rule, the CMS will use the data for these devices during the four years after the FDA approves them,…

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Signs Your Child May Need More Support During Pandemic

While the COVID-19 pandemic has been stressful for most of us, children and teens often have an especially difficult time dealing with the lack of activities and social interaction if they are distance learning.  Depression has skyrocketed during the pandemic as a result of isolation, lost jobs and/or having family members that have fallen ill or died from coronavirus. Also, mental health visits are at an all-time high, even if many people are seeing counselors remotely by video conferencing.  The ongoing stress, fear, grief and uncertainty created by the pandemic can wear anyone down, but children and teens may have…

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Medical Marijuana, Recreational Pot Laws and Driving

With more states moving to legalize marijuana through ballot measures, and even more having medicinal marijuana laws on the books, many people may be confused about the legality of driving after using pot. While all states have laws prohibiting driving under the influence of alcohol or drugs, many people who live in states with medicinal marijuana laws think it's okay to get behind the wheel after using the substance.  But the truth is that no state that has legalized recreational marijuana use or medical marijuana permits people to drive under the influence. Just as alcohol is legal but driving drunk…

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Homeowner’s Five Coverages You May Not Know You Need

When you own a home, you may have extenuating circumstances and/or own property that your insurance may not cover. There are a number of extra coverage options you can add on to your policy, which are known as endorsements. They are essentially riders that you purchase separately but tack on to your homeowner's coverage as a policy extension. In fact, there may be risks in your home that you never thought of and that won't be covered by your homeowner's policy.  Here are five endorsements that you should be aware of, according to the insurance trade publication National Underwriter. 'Additional…

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