February 22, 2013Vol. 3
Issue No. 2

 

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In This Issue:
Need A Quote?
Health Insurance Marketplace
February is American Heart Month
Lessons in Life Insurance
Wellness Tip of the Month from Hilton Head Health
Recipe of the Month from The H3 Healthy Kitchen
Additional Links About:
Health Insurance Marketplace: 
Additional Links About:
Heart Health:

Need a Quote? 

Personal Quote Request Form

Our Team:

Grant Cully

[email protected]  

 

Gibbes McDowell  
[email protected]

 

Janet Cully

[email protected] 


John Rhodes
[email protected]

Karen Cully 

[email protected] 


Andrew Hazel
[email protected]

Contact Us: 

Phone:  
843.671.9200

Fax:  
843.671.9201

Toll Free:   
888.323.3230

Email:


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Good Morning!

We've put together some of the most recent important news in the insurance industry. 

Please give us a call or send us an email if you have any questions or concerns about the information enclosed in this newsletter.

We look forward to being an advocate for you in the insurance world.

Have a happy and healthy day!

 

Health Insurance Marketplace

When key parts of the health care law take effect in 2014, there'll be a new way for individuals, families and small businesses to get health insurance.

 

Whether you're uninsured, or just want to explore new options, the Marketplace will give you more choice and control over your health insurance options.

 

What Is The Health Insurance Marketplace?
What Is The Health Insurance Marketplace?

 

About the Marketplace 

The Marketplace is designed to help you find health insurance that fits your budget, with less hassle.

 

Get Ready to Enroll 

Learn what you can do now to get ready for Marketplace enrollment in October 2013.

 

Get a Break on Costs 

More people than ever will qualify for free or low cost health insurance in 2014. In the meantime, you or your child may be able to get help with costs NOW.

 

Small Businesses 

The Small Business Health Options Program (SHOP) is designed to help you find health insurance that fits your small business with less hassle.

 

Find this informatio and more at http://www.healthcare.gov/marketplace/index.html
February is American Heart Month
CDCLogo  

Heart disease is the leading cause of death for both men and women, but heart disease is preventable and controllable.


Every journey begins with one step, whether it's climbing a mountain or preventing heart disease. This American Heart Month, CDC is offering weekly tips for better heart health. Take your first step on the road to a healthy heart with us.

 

CDC Hearth Month  

 

Find this heart health article and more at CDC.gov:

Heart Health Month 

Love Your Heart Be Good to Your Heart - Quit Smoking 

Screening for Heart Defects: A Mother's Story 

Healthy Valentine - Love Your Health on Valentine's Day 

Women and Heart Health Awareness

Who Is Harbour Health Insurance Solutions?

About Us:

Harbour Health Insurance Solutions is providing area businesses and individuals with comprehensive, cost-effective and value-added health benefits with packaged solutions.

In an extremely competitive industry, Harbour Health has set itself apart by delivering unparalleled service, advocacy and cost savings.

Our turnkey approach to servicing clients allows them to outsource their insurance and benefits needs to a proven expert and to redirect their time and resources toward what matters most to them.

Karen and Grant Cully were recently featured on our local WHHI TV's "Talk of the Town" with Sandra Benson!

 

Find out more about Harbour Health and what we do by watching the video below:

WHHI TV's
WHHI TV's "Talk of the Town" - Harbour Health Insurance Solutions - Karen & Grant Cully 5/24/11
Harbour Health Insurance Solutions - www.hhisolutions.com - (843) 671-9200 or (843) 837-9200

Lessons in Life Insurance  

For Your Life

 

Life is a gamble. That's why you bought your Life Insurance.

 

If you were to experience a Chronic Illness or Terminal Illness tomorrow and needed cash now, could you access your Death Benefit to pay these expenses, or would you have to risk your family's financial security to pay these bills?

 

If you bought an Interest Sensitive Life Insurance plan in the last 10 years at much higher illustrated rates than today's 2-3% rates, your policy may be on a downward path to lapsing. How can you tell?

 

Did you know you can upgrade your Term Life plan to offer Long Term Care benefits too?

 

Harbor Health Insurance Solutions offers you a free, no obligation, Life Insurance Appraisal Service to answer these questions.

 

Harbor Health Insurance Solutions has built its reputation providing this same service to its clients for their Health Insurance needs, and now expands it to protect your Life Insurance planning as well.

 

We represent over 35 life insurance companies, literally from A to Z; Allianz to Zurich Life.

 

Call Gibbes McDowell, 843-252-2185, at Harbor Health Insurance Solutions for your personal Life Insurance Appraisal.

 

It's Your Life.

Wellness Tip of the Month 

Brought to you from Alicea Glover at:

H3_Logo   

 

Keeping in the spirit of Valentine's Day and the season of love, we usually think of two things, chocolate and romance, which can both make us happy and healthy.

 

Let's start with chocolate. There is mounting evidence that chocolate, more specifically dark chocolate, may be good for us when consumed regularly and in relatively small amounts. In the most recent issue of The Tufts University Health and Nutrition Letter, there was a feature article about dark chocolate (70% cocoa or higher). Here is what they had to say:

 

According to Jeffery Blumberg Ph.D., director of Tuft's HNRCA Antioxidants Research Laboratory and noted expert on the health effects of the antioxidant polyphenol compounds found in chocolate, "the evidence that polyphenols in chocolate have some health benefits continues to grow. The highest concentrations of these polyphenols are found in dark chocolate. Studies, in particular, have focused on cardiovascular endpoints like blood pressure and vascular reactivity. Indeed enough data has been generated from these studies that positive results have been demonstrated in several published reviews and meta-analysis."

 

In other words it's good for your arteries.

 

Other studies mentioned in the article suggest that the phytochemicals available in dark chocolate may also improve cognitive functioning in people with mild cognitive impairment, may reduce the risk of stroke and lower LDL (bad) cholesterol.

 

Because of its high fat content, dark chocolate-like milk chocolate-is high in calories and must be eaten in moderation. Dr. Blumberg points out that a study published in the Journal of the American Medical Association found that just 6.3 grams (just over a quarter of an ounce) of dark chocolate daily had a beneficial effect. For comparison purposes, the size of the standard Hershey's Special Dark Chocolate bar is 41 grams or 1.45 ounces, or 6 � days worth of chocolate. When eating your dark chocolate, use mindful eating techniques; pay attention, eat slowly and savor every bite.  

 

So what about romance, more specifically sex... can 'it' really improve your health? If you are interested in finding out, check out this video from MSN Health.

 

Hilton Head Health (H3), is America's premier weight loss and health resort located on the shores of Hilton Head, South Carolina. For years, H3 has helped thousands of individuals learn to take control of their health through its proven Healthy Lifestyle™ program.  The tranquil environment and private facility is the perfect setting for a professional getaway. If a corporate retreat sounds right for your company, all (843)785-3919 or visit H3 online at www.hhhealth.com

'Like' Hilton Head Health on
Facebook and 'Follow' us on Pinterest!

H3 Recipe of the Month 

H3 Healthy KitchenFrom Jen Welper and the H3 Healthy Kitchen:

 

 We all enjoy sweets from time to time but don't let one treat undo your whole day. Enjoy these decadent chocolate treats from the H3 Healthy Kitchen without feeling guilty or too full. Remember to portion out each serving before digging in and practice mindful eating to get the most of your dessert.

Chocolate Covered Strawberries  

 

 

For more delightful desserts from the H3 Healthy Kitchen, attend our upcoming Chocolate Lovers hands-on cooking class. Spend an hour or two in our Healthy Kitchen having fun getting down and dirty creating gourmet, homemade food!  

 

Hilton Head Health's H3 Healthy Kitchen allows you to explore flavors from around the world in its Chef's Table fine dining experience. One week you'll go down under in the New Zealand Kiwi Experience and the next you'll travel through the valleys of France's smallest metropolis, Alsace. Observe as the chef prepares your multi-course meal and learn about the culture of each area as you enjoy wine pairings throughout the night's experience.   

 

If you're looking to get hands-on, H3 Healthy Kitchen also offers healthy cooking classes with topics ranging from Knife Skills & Stir Fry to Appetizers & Specialty Drinks. View the H3 Healthy Kitchen event calendar online or call (843) 785-3919 for information on H3 Healthy Kitchen offerings and private events.


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We want your feedback!

 

Good or Bad, Complaint or Compliment, please let us know what you think we are doing right and if you think we can improve on anything.

 

We strive to ensure that you are pleased with our work and we truly appreciate any remarks that will help both improve our operations and promote our best qualities.  

 

CLICK HERE to let us know your opinion about Harbour Health 

 


Harbour Health Insurance Solutions is a proud member of both the:

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BeaufortChamber  

 

 Are you a Chamber member?    

     

Call us to take advantage of special group and individual  

insurance options exclusively for Chamber members!