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.

Save money on Health Insurance

At the Gelker and Rohrer Insurance Agency , one of our goals is to educate employees on our clients group insurance plans about health care choices and alternatives on the web. Health care Info WEB MD and Wellness.com are great sources of information on quality care, prescription drugs and wellness information. A better informed employee, practicing simple wellness strategies, has a good chance of leading a disease free life that does not negatively impact the pricing of the group insurance premium of their employer. Our Orange County, California business clients are asking for better benefits and educating employees on ways to live healthy lives is one small part of the added value the Gelker and Rohrer Insurance Agency seeks to give our clients.

Group Insurance Info That Cuts the Cost of Healthcare

You can save a lot of money on the cost of health care in Orange County, California by using online tools provided by insurance carriers like:
Blue Shield ,
Blue Cross ,
Aetna,
HealthNet,
United Health Care,
And Kaiser
The ability to check claim payments, compare mail order prescriptions prices, find providers, and compare prices for medical procedures in your location are tools that consumers can use to save money on health care. The Gelker and Rohrer Insurance Agency, located in Costa Mesa, California has been urging employees at group enrollment meetings to enroll online with the insurance carrier to become better informed and take advantage of the free services offered by insurance companies.

Saving money on Prescription Drugs

When purchasing prescription drugs in Orange County, California savvy consumers are checking prices at Walmart, Costco and Target. What we at the Gelker and Rohrer Insurance Agency are seeing is a drug pricing war that is helping Costa Mesa residents save big bucks on prescriptions. Our clients have used the published pricing from these retail giants to get reduced rates at pharmacies in Newport Beach and Costa Mesa. "We'll match that price" is what the local Pharmacist is saying, driving down the out of pocket expenses for consumers.

Save Money on Group Insurance

Small Businesses in Costa Mesa, California are purchasing High deductible Health Savings Account
health plans for their owners. A quick health insurance comparison by the Gelker and Rohrer Insurance Agency reveals the premium savings over rich benefit HMO or PPO plans. Putting the significant premiuim savings into a tax sheltered Health Savings account gives small business owners flexibility and choice to fund the kind of health care services important to them and their family. The Gelker and Rohrer Insurance Agency , located in Orange County, California is an expert resource for consumer driven health plan information.