ANIELLO'S "TWO CENTS WORTH"
IMPORTANT TIPS, FUN QUIZZES AND LOCAL EVENTS

IN THIS ISSUE:
  • Mother's Day Subscription Boxes
  • May Is National Asthma And Allergy Awareness Month
  • Medicare Mistakes and Guides
  • Handling An Auto Insurance Claim Without Using Insurance
  • Quizzes for May: May Day Quiz, Cinco De Mayo Quiz and Mother's Day Quiz


I t's that time of year again. Mom says she doesn't want anything....doesn't need anything..."Don't spend your money" she says. SPEND YOUR MONEY.

Every mom wants to feel special now and then and Mother's Day is one of those times to make her feel like you appreciate her. But....figuring out what to get her can be difficult so we have put together some cool ideas to make it easier for you.
Have you thought about a monthly or seasonal gift that Mom could look forward to all year? Some of these subscription gifts are a s low as $9.00 a month. For the gardening lover, coffee connoisseur, wine aficionado, chocolate addict, avid reader, hiker, workaholic, new mom and MORE!


Each year, the Asthma and Allergy Foundation of America (AAFA) declares May to be "National Asthma and Allergy Awareness Month." It's a peak season for asthma and allergy sufferers, and a perfect time to educate your patients, family, friends, co-workers and others about t hese diseases.

There is no cure for asthma and allergies, and many deaths are preventable with proper treatment and care.
  • Ten people a day die from asthma.
  • Asthma affects more than 24.5 million Americans.
  • More than 6 million children under the age of 18 suffer from asthma.
  • More than 50 million Americans have all types of allergies – pollen, skin, latex and more.

Here are some tips that may prevent an asthma attack
during allergy season
  1. Take your allergy medication before you get symptoms
  2. Keep your windows and doors closed during high pollen days
  3. Exercise indoors
  4. Keep your Air conditioner filter clean
  5. See an allergist to pinpoint what you are allergic to and get the right medication
  6. Shower every night before bringing the allergens into your bed
  7. Change your cloths and shoes before tracking the allergens into the house

* Asthma Action Pla n including:

MEDICARE: DON'T MAKE THESE COMMON MISTAKES
Are you or someone you love almost ready for Medicare?

  1. Don't assume you will be signed up automatically when you turn 65. The automatic enrollment is only for people currently receiving Social Security benefits. If not, you will have to actively enroll in Part A for hospitalization , Part B for doctor visits and Part D for medications.
  2. Don't assume you need the same coverage as your spouse or friend. Evaluate the specifics of every plan to select one that gives you the care you need.
  3. Don't assume you don't need Medicare because you have coverage through your employer. After 65, many hospitals and medical groups will only count this as secondary insurance and if you have not enrolled in Medicare you will be left to cover expenses.
  4. Don't assume everything is covered by Original medicare. You may want Medicare Part C or Medicare Advantage. Get to know the plans.


HANDLING AN AUTO INSURANCE CLAIM ON YOUR OWN WITHOUT INVOLVING YOUR INSURANCE COMPANY




Many of us choose to settle auto accidents privately rather than through our insurance carrier, usually to avoid a rate increase, but before you do that, t here are a few things you should do to protect yourself.

First of all, any accident that you settle on your own should be simple, with NO INJURIES, or complaints of possible injury.

Next, DOCUMENT EVERYTHING . In addition to getting their name, address and phone number, take a photo of the other driver's license and insurance information in case you end up needing it later.

Set a DEADLINE to settle so that they do not keep it dragging out. If it is not settle by that time, you can contact their insurance company. If it is your fault, ask them to get a few quotes and if the cost is too high, use your insurance.

After the claim is settled, if you were responsible for damages, have the other party
SIGN A RELEASE f or any future claims.



DATA FROM 5 MAJOR CARRIERS AFTER ONE AND TWO CLAIMS

No Claims    One Claim                 Two Claims
$1,948            $2,774 (42% increase)   $4,982 (156% increase)
$2,046            $2,524 (23% increase)  $2,808 (37% increase)
$2,152             $2,856 (33% increase)   $3,890 (81% increase)
$2,336             $4,028 (72% increase)   $5,086 (118% increase)
$2,450             $4,838 (97% increase)   $9,354 (282% increase)
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