April 10, 2013Vol. 3
Issue No. 4
Harbour Health Insurance Solutions
April 2013 Newsletter
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!

More about Health Care Reform Employer Penalties:
Affordable Care Act provisions for Employers & Self-Employed
Employer Responsibility Under the Affordable Care Act

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Jump to H3's tips for Wine & Weight Loss
In This Issue:
Employer Penalties Q&A
Click here to find out the answers to the questions below regarding the employer penalties for not offering coverage or providing unaffordable coverage to full-time employees.
  • What is a large employer for purposes of these penalties?
  • Who is counted as a full-time employee and a full-time equivalent employee?
  • Do these penalties apply to part-time employees?
  • What is the penalty for not offering minimum essential coverage?
  • What is the penalty for providing minimum essential coverage that is not affordable?
PPACA small business insurance market delayed a year
Starting in 2014, workers at companies with fewer than 100 employees were supposed to have been able to choose from a variety of health plans through new small-business insurance marketplaces. They'll instead wait until at least 2015, according to regulations released by the Department of Health and Human Services.

Click here for the full article from ebn.benefitnews.com

And for more information about the delay from Kaiser Health News, click here.
Exchanges and Reform Information
Grant Cully on WHHI-TV's Talk of the Town 
WHHI-TV's
 The 5 Worst Ways to Buy Low Cost Life Insurance

Need life insurance? You want something affordable, but you also want something that will meet your needs. Avoid the most common mistakes in buying life insurance.

Here are the 5 worst ways to buy life insurance. 


And, what is the best way to buy low cost life insurance? Getting a level premium life insurance policy from an independent life insurance agent may be the most secure way to go. An independent agent works with many highly rated companies, so you can have choices.
You can call Gibbes McDowell, 843-252-2185, at Harbor Health Insurance Solutions for your personal Life Insurance appraisal.
What Does That Mean?
Helpful Terms and Insurance Lingo
In-network refers to doctors or other health care providers that have agreed to provide services to a health plan's members at a negotiated rate. Plan members usually pay less when using an in-network provider because the cost to the health plan is lower.
Hilton Head Health - Wellness Tip
Positive Psychology
Hilton Head Health

How do you measure happiness at work? Many of us follow this simple equation:

         work hard + work harder = success; success = happiness!

 

The only problem with that is it's pretty difficult to remain or obtain happiness when our work goals are consistently changing. For example, let's say you've been performing so well that you are promoted to a new position. Once in that position, you now have to prove that you can perform the responsibilities of that position. Based on the way we measure happiness, if you felt happy about the promotion at one point, odds are it lasted only as long as it took you to dive into the new, more daunting workload.

 

Shawn Achor, CEO of Good Think, Inc. and professor at Harvard University, lectures on this thing called 'positive psychology'. According to Achor we can improve happiness at work by simply changing the way we think.

 

In his studies, Achor found that 75% of job success is predicted by optimism levels, social support and your ability to see success as a challenge instead of a threat. Having a positive mindset will actually lead to improved intelligence, creativity and energy.

So how do we foster this positivity? Achor encourages us to perform positive acts each day including:

  • Random acts of kindness
  • Keeping Gratitude journal
  • Exercising regularly
  • and Meditating

Take twelve minutes out of your day to watch Achor's hilarious and informative TedTalk on H3Daily.com. It may just put a little (or a big) smile on your face.     

Shawn Achor: The happy secret to better work 

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 & Twitter!

Recipes from H3 Healthy Kitchen Chef Jen Welper: 

Wine & Weight Loss Recipes

H3 Healthy Kitchen  

We know "resolve dissolves with alcohol;" so how do you manage the real world? Should you give up a beautiful glass of wine with dinner? Will you ever have a glass of wine again? Of course you will; the question is how will you manage it? With a few tricks from a restaurant insider and a little focus you can have your wine and drink it too.  

  • Know your salesman - Find a local shop you like, frequent them often, let them know what you like to drink. A good wine salesperson will send you into new and exciting directions; ones you didn't even know existed.
  • Plan- As you plan your meals for the week, also plan the nights you will have some vino. Stop by your local wine merchant they can help you pair your meals with a great wine.
  • Measure - Get a measuring cup; use your measuring cup; learn what 3 ounces look like. Pouring 3 ounces at a time it slows down your drinking.
  • Going out - A little secret from a restaurant professional - you can order half a glass of wine! All you have to do is ask. 

Click here for the full article from H3Daily.com

surf-n-turf
Click here for this great Surf n' Turf Recipe
that includes
Scallops in a White Wine Sauce

Enjoy a variety of fine wines in an H3 Healthy Kitchen wine tasting offered each Wednesday for only $25 per person. Learn the history of each wine and complementary food pairings, and enjoy a warm appetizer in one of our themed Enology Sessions: Pinot Noirs, Old World vs. New World, Sparkling Wines, Interesting Whites and Interesting Reds.  

 

H3 Healthy Kitchen also offers Chef's Table dinners and hands-on cooking classes with topics ranging from Grilling 101 to Cooking for One. View the H3 Healthy Kitchen event calendar online or call (843) 785-3919 for information on H3 Healthy Kitchen offerings, wine tastings and private events.

If you have any questions, concerns, comments, or would like any additional information please feel free to contact any member of Harbour Health Insurance Solutions.
Thank you!

C. Grant Cully

GCully@hhisolutions.com 

John Rhodes

JRhodes@hhisolutions.com 

Karen Cully

KCully@hhisolutions.com 

Andrew Hazel

AHazel@hhisolutions.com 

Janet Cully

JCully@hhisolutions.com 

Gibbes McDowell

GMcDowell@hhisolutions.com 

WHHI TV's  

Harbour Health Insurance Solutions - www.hhisolutions.com - (843) 671-9200 or (843) 837-9200 

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  

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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!

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