5 TIPS FOR GOOD HAIR HEALTH AS YOU AGE KEEP YOUR HAIR LUSH IN RETIREMENT
Be gentle with your locks. To keep your hair looking its best, swap your brush for a wide-tooth comb, always be gentle with tangles, and if you have longer locks, avoid styling them in tight buns, braids, or ponytails. High- tension styles can damage your hair. Reduce your stress. It sounds like a cliche, but the healthier you are, the healthier your hair will be! To boost your health, try minimizing the stress in your life with regular exercise, outdoor activities, meditation, and plenty of sleep.
If your hair stylist has a quote on the wall, odds are good it’s this one: “Invest in your hair. It’s the crown you never take off.” No one knows for sure who came up with that saying, but the older we get, the more truth there is to it. It takes time and energy to prevent a lush head of hair from turning into a sparse one. Everyone’s hair thins, lightens, and gets brittle with age. It’s a sign of a long-lived life and nothing to be ashamed of. That said, there’s no reason to lose your hair before your time! Here are five strategies to keep your crown shining as long as genetics allow.
you can also get protein from plant- based sources like tofu, lentils, and chickpeas. Choose natural products that are tailored to your hair type. When you’re shopping for shampoo and conditioner, look for products without parabens, phthalates, sulfates, alcohol, or silicones. (Healthline.com has a great guide for this!) You should also buy products made for your hair type, whether that’s oily or dry, coiled or curled. Finally, avoid dying your hair at home or regularly styling it with heat. Both things will damage your locks! Avoid crash diets. When you lose a lot of weight at once, you can shock your body and either slow your hair’s growth or cause it to fall out! To avoid this, aim for a slow, sustainable weight loss instead.
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Never skip the protein. According to the Cleveland Clinic, your hair is made almost entirely of protein, and it will suffer when you don’t eat enough! Dermatologist Wilma Bergfeld recommends eating low-fat red meat a few times a week for hair health, but
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WHAT SHOULD I LOOK FOR IN A MEDICARE ADVANTAGE PLAN? ‘MAXIMUM OUT OF POCKET’ MATTERS
Hi, guys! Chris Grimmond here. I get this question a lot: What should people look for when choosing their Medicare Advantage plan? There’s a lot of things to look for, but let’s focus on where you should start. The first metric I like to consider is the maximum out of pocket (MOOP). The MOOP is how much you could potentially spend in a year while on that particular health plan. During your working years, your employer’s health plan had a MOOP. Many people confuse MOOP with a deductible. A deductible is the amount of money you pay before the plan begins to cover medical costs. For example, you may have a $2,000 deductible. You go to the emergency room, and the bill is $20,000. You pay the first $2,000 upfront.
Then, you pay a coinsurance of 20% on the next $18,000, which would be $3,600 ($18,000 x 20% = $3,600). This is how the maximum out of pocket (MOOP) works. The $2,000 deductible + $3,600 coinsurance = $5,600. If the MOOP is $6,000, you would pay $5,600. If the MOOP was $5,000, you would pay $5,000. This information is crucial, and it should definitely be part of the questions that you ask of your Medicare insurance agent. Your MOOP Equals Maximum Risk Ask your Medicare insurance agent about your MOOP right away. I see the maximum out of pocket as the most important number because that is your potential maximum risk, which is why it’s so important to ask questions about it. While it is highly unlikely that you will arrive at the maximum each year
or any given year, there is some probability. Because of that chance, you should be prepared to cover that expense because you are contractually obliged. If you have two years of back-to-back expenses — imagine chemo and radiation for cancer over a year’s time — you could conceivably have two consecutive years together when you reach your MOOP both years. While the probability of hitting that maximum is very low, the possibility is always there. You can either cover that risk by purchasing a Medigap policy instead of a Medicare Advantage plan and pay the monthly premium or save that amount each month until you have reserves equal to or greater than your MOOP. If you have any other questions, don’t hesitate to reach out to me!
2 • OmahaInsuranceSolutions.com
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