Exercise and what happened to our beaches

As the principal of the Gelker and Rohrer Insurance Agency my job can get a little stressful and hectic. One of the tried and true recipes for stress relief is regular exercise. A little running, some light weight lifting and core strengthening has helped keep stress at a manageable level for three decades. One of the most enjoyable modes of exercising is a walk at one of my spouse and I's favorite beach, Crystal Cove State Beach. Located in the southern most part of Newport beach, CA it is an unspoiled treasure of the California coast.
Last Sunday we arrived to find the last storm that nearly drown Costa Mesa, California had move most of the sand at Crystal Cove off the beach. Where we walked briskly on packed sand bear the shore break was covered with large rocks or exposed slabs of ancient stone. What happened to the beach?

Picking the right health plan

When choosing a health plan do not overlook the network of doctors and hospitals that is associated with the plan you choose. Some lower cost plans have limited networks that may not allow you to see your current doctor or get treatment at the hospital of your choice. All health insurance carriers in Orange county, California have dedicated websites that you can find out if your doctor or favorite hospital is on their PPO or HMO provider list. In Newport Beach, CA Hoag Memorial Hospital is a provider for
Anthem Blue Cross
Healthnet
United Health Care
and Aetna.
At each carriers website you can research networks by a doctors name or office location. At the Gelker and Rohrer Insurance Agency
we help business owners and their employees search networks for primary and specialty doctors prior to changing health plans to make sure a trusted doctor relationship remains intact.

How to Control Small Business Healthcare Cost

The Gelker and Rohrer Insurance Agency recommends a simple strategy for controlling the rising cost of employee health insurance, Defined Contribution. A small business defines the amount it will pay for employees health benefits in one of two ways ; Paying for the cost of a designated plan or a giving employees a fixed dollar amount to pay for health benefits. Employees know the cost of health care is going up and if given multiple plan choices they are empowered to choose benefits that work for them, and are willing to pay for richer benefits. With proper planning a business can budget health care cost and provide employees with great benefits. A simple benefits review
by the Gelker and Rohrer Insurance Agency will show you how to control health benefits expenses.