Business Health & Wellness

Everything You Need to Know About ACA Compliance

You may wonder how to comply with the Affordable Care Act. Well, it’s pretty simple. All you need to do is read this article to learn more about the new rules. ACA-compliant health plans must spend at least 80% of premiums on medical care. In addition, they must be affordable, self-insured, and provide minimum value to enrollees. You can also visit to learn more.

ACA-Compliant Plans must spend at least 80% of Premiums on Medical Care.

Under the ACA, health plans must meet specific requirements to be deemed compliant. For example, they must include at least ten essential health benefits without lifetime or annual coverage maximums and be guaranteed for the first year of coverage. In addition, the range must be affordable for employees, and pre-existing conditions must not be excluded. Carriers must also meet strict rules regarding the medical loss ratio and spend at least 80 percent of premium dollars on medical care.

The ACA has set specific standards that health insurance providers must meet to avoid paying higher premiums than necessary. Those that fail to meet these standards must pay rebates to policyholders. The repayments are calculated based on three-year average rates from 2019 to 2021. For example, a health insurer may issue a refund to a policyholder if it spends too much money on medical care.

They must provide a Minimum Value.

To maintain compliance with the Affordable Care Act (ACA), employers must provide coverage that meets a minimum value standard. This value is 60 percent of the average cost of care for a standard population and must cover substantial physician and inpatient care. Failure to provide minimum value will result in costly penalties, including a fine of $1,190 per participant per day. Additionally, large employers may face an ESR payment if they do not offer minimum value coverage.

Despite the term, “minimum value” does not mean the same as “minimum essential coverage,” which the ACA requires. The minimum value is more complex and cannot be used interchangeably with “essential health benefits.” The two terms have specific meanings under the law. Therefore, employers should ensure they know the difference between these two concepts. A minimum value plan must cover 60 percent of the costs of standard health care for an average population.

They must be Affordable.

ACA compliance must be affordable for an employer to avoid penalties. However, the definition of cheap can be challenging to implement. The Affordable Care Act requires employers to report information about their employees’ health coverage. Failure to meet the affordability standard may result in penalties and fines. 

To determine if an employee can afford an ACA-compliant plan, an employee’s monthly salary must be multiplied by 9.86%. For hourly employees, you can assume the monthly salary to be 130 hours per month – the minimum number of hours considered full-time under the ACA. Employers must pay the lowest monthly premium that meets the affordability threshold. Sometimes, they must pay more than this amount to provide coverage to employees.

They must be Self-Insured

Employers who don’t provide health insurance to their employees may violate the Affordable Care Act (ACA). These regulations require employers to offer coverage to all employees, including pre-existing conditions. They also prohibit plans from imposing a 90-day waiting period for pre-existing conditions. Self-insured health plans are still considered ACA compliant if they follow the rules for large groups, including the medical loss ratio.

Large group health plans must adhere to specific rules, such as minimum essential coverage. In addition, large group plans must have at least 51 employees in most states and a minimum of 101 employees in some states. If an employer’s plan has fewer than 51 employees, it is considered grandfathered and is therefore not ACA compliant. Despite its name, this plan is still a good option for individuals and small businesses. The only caveat is that large group plans with fewer than 50 employees are not ACA compliant.

Health & Wellness

The Benefits of Microdermabrasions to Your Skin

Microdermabrasions are a popular machine-assisted skin resurfacing procedure that is low risk and relatively quick to recover. Microdermabrasions are most effective for treating acne damage, fine lines, and sunspots. Microdermabrasion can be performed on any body area, whether the procedure is for facials or full-body resurfacing. If you’re interested in this procedure, you should learn more about the treatment.


Microdermabrasion virginia beach is a cosmetic procedure performed by doctors to improve the appearance of your skin. The process differs slightly from clinic to clinic, but generally, the skin is cleansed and makeup removed before tiny crystals are sprayed onto the surface. A vacuum is used to remove the crystals after they have been sprayed, and some clinics use diamond-tipped wands instead. Local anesthesia isn’t required, but it’s common to experience some redness and discomfort after undergoing a microdermabrasion treatment. In addition, some practitioners recommend avoiding sunlight for a few days after the procedure to help the skin recover from the process.

While microdermabrasion benefits all skin types, they work best on mild acne and blackheads. Acne with cystic or inflammatory features won’t respond well to microdermabrasion, making the condition worse. Microdermabrasions are also effective for fading melasma and minor sun damage, although you should avoid microdermabrasion if you have severe acne.

Pain level

Microdermabrasion is laser skin resurfacing procedure performed by a plastic surgeon or board-certified dermatologist. In some states, aestheticians can perform the treatment. A topical anesthetic is applied 45 to 60 minutes before the treatment to numb the skin and minimize discomfort during the procedure. The handpiece uses a series of tiny needles to remove hair. A microdermabrasion treatment usually takes between 45 to 60 minutes.

While microdermabrasion is generally painless, some people find it uncomfortable. The procedure can feel like sandpaper being rubbed on their face. Treatment time depends on the area being treated. For example, it can take about 30 minutes to treat the front and 20 minutes for the neck. Microdermabrasion can cause significant discomfort, especially if you’re very sensitive to pain. However, dermabrasion is safe and can improve your appearance and skin health.


Regardless of your age, you can reap the benefits of microdermabrasion on your skin. The treatment removes dead skin without damaging healthy skin. After just one session, your skin will look brighter, feel tighter, and have a more youthful glow. A good moisturizer will be applied immediately afterward. To boost your results, you may also want to combine microdermabrasion with other skin-care procedures, such as facials or chemical peels. Microdermabrasion is relatively easy to perform and requires no downtime or recovery.

Microdermabrasion works by removing the top layer of skin, revealing younger-looking skin beneath. This procedure uses a handpiece to send a stream of fine crystals across the face using mild suction. The fine crystals help remove dead skin cells, which encourage the growth of new skin. Microdermabrasion also stimulates collagen production, which restores smoothness and firmness to your skin.

Avoiding sun exposure after the procedure

Avoiding sun exposure after dermabrasion is suggested depending on the intensity of your microdermabrasion since recovery can take anywhere from two weeks to many months. Following your healthcare provider’s recommendations, patients should apply sunscreen with an SPF of 30 or higher before outdoors. They should also wear a wide-brimmed hat during the healing period to protect the skin. In addition, patients should avoid alcohol and aspirin for 48 hours after dermabrasion.

After microdermabrasion, patients should avoid excessive facial products, such as face scrubs or exfoliating creams. In addition, patients should avoid sun exposure and tan for at least one week. Patients should also apply a rich moisturizer to prevent excessive peeling. People with sun sensitivity should avoid tanning beds and sunlight for the week following the treatment. 

Health & Wellness Lifestyle

Rhinoplasty Patient’s Guide: 3 Questions To Ask Your Surgeon

Rhinoplasty is the most common cosmetic procedure in America. In fact, it’s one of the top five surgeries in the United States. So how do you choose the right plastic surgeon for your rhinoplasty? Here are three questions to ask your surgeon to help you decide on a facial plastic surgeon. 

How Many Rhinoplasties Have You Performed?

The first question you should ask your surgeon when seeking facial plastic surgery Raleigh NC is how many rhinoplasties they have performed. As a patient, it’s important to know the skills and experience of your surgeon.

If the surgeon has done hundreds of rhinoplasties, they likely have the knowledge and expertise needed to provide you with your desired results. The more work a surgeon has done in this area, the better chance your surgery will be successful.

In addition, ask if your plastic surgeon is board certified by the American Board of Plastic Surgery (ABPS). Board certification is not required for a physician to perform cosmetic surgeries, so your surgeon must be qualified to perform your rhinoplasty.

Are My Expectations Realistic?

Before committing to any plastic surgery, it’s important to ask yourself if your expectations are realistic. At your consultation, you will have time to talk to the surgeon about your nose and the changes you would like to make to your nose. You should feel comfortable communicating your expectations with the doctor, who will, in turn, give you realistic feedback about your goals for surgery.

A great plastic surgeon will take your goals and use their expertise to ensure that your nose looks balanced with the rest of your features.

What Is Recovery Like After a Rhinoplasty?

Before your rhinoplasty, it’s important to know what your recovery looks like. You may want to ask specific questions, such as:

  • When can I return to work?
  • How can I prepare for my recovery?
  • What can I expect to see and feel while I am recovering?
  • What are some complications that some patients might experience?

You should be aware that people heal at different speeds, and the healing process is not linear. However, your surgeon will be able to walk you through the recovery timeline.

In conclusion, it is important to ask your surgeon the right questions before deciding to get a rhinoplasty. These three questions will help you determine if you are in the right place for rhinoplasty and have selected the right plastic surgeon for you.

Health & Wellness

4 Overlooked Ways to Improve Your House

Whenever you want to improve the area around your house or the inside of your house, you may wonder what steps you could take. Even a few simple changes can make a big difference when you are hosting guests or showing off your house to potential buyers. Taking the time to learn tips about home improvement and cleaning is important for any homeowner searching for ways to improve their house.

1. Take Notice of Your Dishwasher

One of the most used appliances in your kitchen is typically your dishwasher. Not only does it continually face loads of dirty plates and grease, but it can also have built-up grime and germs on it as the years go by. If you notice it doesn’t clean dishes like it used to, then you may need to check the bottom rack for any tears or broken parts. Regularly cleaning out and wiping down the front of it can also keep it looking newer as the years go on.

2. Clean Up the Outside

The first two areas many people see when they approach your property are the sides and front of your house. If you see an increase in dirt and residue that makes the colors on your house appear dull and dingy, then you may need to invest in pressure washing Tacoma. Not only will your house appear clean and bright once more, but the clean outside can help draw in new potential buyers if you are looking to sell your home.

3. Reorganize Your Closets

Although you use your closets for storage, it does not mean they need to be messy and unorganized. Making them efficiently clean and adding in bins or other storage options can help you fold your clothes into piles that are easy to pick up and move. You can also hide personal items or other things you want to store away from prying eyes. With a bit of extra space, you can even hide your dirty laundry hamper inside the space whenever company comes over.

4. Search For Expired Items

If you find you just can’t fit anything else in your storage areas, then you may need to double-check the dates on the various bottles and food items you have around your house. Even tossing out a few expired cans or supplies can free up enough space to store away a variety of clutter sitting out on countertops or near your seats.

Health & Wellness

How an Athlete Can Succeed

Becoming a great athlete takes dedication, hard work and patience. Physical and mental wellbeing is always subject to change, and it can make or break an athlete’s performance. Cognitive abilities, endurance, strength, speed, flexibility and confidence are just a few things that an athlete has to stay on top of during a competition. It helps to look at different techniques that can help an individual thrive in a given sport.

The Basics

Some athletes want to jump into extremes, thinking that the shock will cause them to drastically improve. This way of thinking can lead to burnout or injury, and cause a beginner to give up altogether. An athlete should focus on the basics before taking on difficult tasks. Weightlifting, conditioning exercises, drills and aerobic work should come before fast combos and long sessions of intense exercise. Learning the basics can help a person get to know his or her body and prepare for competition. This way, when difficulty does increase, the athlete can avoid compromising risks.


When athletes become comfortable with what they are doing, they know that they’ve progressed. However, comfort is also a sign that progression will soon plateau. An athlete should know when to turn things up, and how to do it. Challenges are crucial to making gains, even if it comes down to one added rep in a workout. While new exercises shouldn’t be drastic, they should be enough to kick the body into gear.


It’s no secret that different sports prioritize different things. Gymnastics demands flexibility and agility, while cycling demands leg strength and endurance. An athlete should learn how to move within the framework that his or her field provides. Drills with a trainer can help with this before a real competition. With the right adjustments, an individual can learn how to excel at specific things and not overemphasize irrelevant things.


An athlete’s focus is essential for success, and this component goes beyond the sport. Not only should an athlete set goals for physical improvement, but he or she should have other life factors under control. Wealth management for professional athletes, academic planning for student-athletes and other measures can help with focus and assurance.

The right moves can help an athlete accomplish new things and get on top of the competition. Ups and downs are almost guaranteed, but priorities can grant an athlete resilience when the time calls for it.

Health & Wellness Home & Family

How You Can Recover After Giving Birth

If you have recently given birth, it’s important to take care of yourself so you can begin recovery as soon as possible. This can be difficult when you have a newborn to care for and your body already feels worn down. Check out these suggestions to help you get on the right track.  

Make Sure You Get Enough Rest

Although it might be hard, try to get enough rest every day. Try to take a nap when your baby is asleep and listen to your body and take a break if necessary. Getting rest can help your body regain strength and allow you to feel your best when you wake up. You’ll have more energy and be better prepared to get through your day. 

Consider Getting Outside Help

If you are feeling at your wit’s end it might be in your best interest to get outside help. A post-partum doula, housekeeper, or others who can take over either care for your home, baby, or both can give you a much-needed break. It can be hard enough learning to adjust to taking care of a baby that has frequent demands while you are not feeling while, and trying to manage your home at the same time. Outside help can make a noticeable difference. 

Eat Enough Food To Regain Your Strength

It’s important to keep up with your diet, especially if you are breastfeeding. This is because your body burns more calories while breastfeeding, and this can make you feel more drained if you are not replenishing yourself. Make sure you are eating good-quality food such as dairy, vegetables, and lean protein, and pay attention to foods that might interfere with breastmilk production if this applies to you. 

Seek Medical Care if You Need To

If you notice any issues with your cervix or you feel you are healing slower than usual, it is worth having a talk with your doctor to see if you need additional help. You could benefit from Pelvic Floor Physiotherapy Burlington ON to help you regain strength in your pelvic floor and help you if you have a prolapse.

Taking care of yourself after having a baby should involve getting enough rest. Get outside help if you think it would be beneficial, and make sure you are eating plenty of food. If you have medical issues, seek medical input from your doctor to see what they suggest. 

Health & Wellness

Common Causes and Triggers of Migraines

Unlike regular headaches, migraines cause full-body symptoms such as muscle aches, dizziness, nausea, and fatigue. Doctors are still unsure of the exact cause of migraines, but most of them agree that certain factors seem to correlate with the frequency and intensity of these painful bouts.  


Your migraine treatment Jacksonville Fl specialist can help you determine if the stress-related pain symptoms are migraines or tension headaches combined with other stress symptoms. Stress and anxiety are often correlated with migraines, and stress-reducing therapies such as meditation and mental health counseling are commonly recommended treatments.    


Hormonal fluctuations that accompany menopause, menstruation, and puberty in rarer cases are believed to contribute to migraines. Hormone therapy and birth control can mitigate these symptoms in some people, but others report that their migraines worsen with these treatments.  


High sodium foods, especially highly processed foods and aged cheese are known migraine triggers. Artificial sweeteners, especially aspartame, as well as stimulants like caffeine and nicotine have been shown to worsen migraine symptoms in people who are prone to them. Also, if you have low blood sugar from skipping meals too often or from medical conditions like hyperglycemia, you could be more prone to migraines.  

Sensory Overload

Migraines are known to be triggered by loud sounds, especially high-pitched sounds. Bright, flashing, or oscillating lights cause stress to the brain that can trigger a migraine. Blue light from TV, computer, phone, and tablet screens can lead to migraines over long periods. If you get a lot of screen time, turn down your screen brightness and turn on your blue light filter.    

Sleep Schedule

Another common trigger is too little or too much sleep. Adults should get eight hours of sleep each night while going to bed and waking up on a regular schedule. To help with this, avoid watching TV or using your phone an hour before bed. Meditate or drink herbal tea to gently ease your body into a restful state before trying to go to sleep. 


If one of your parents suffers from migraines, you have an increased chance of the same, and of passing them on to your own children if you have or plan to have any. Migraines are also three times more common in bio-sex females than in bio-sex males.  

If you experience fifteen or more headache days in one month with eight or more showing migraine symptoms, your migraines are considered to be chronic. In this case, your doctor may recommend medication and testing to ensure there isn’t a more severe underlying problem.

Health & Wellness

6 Ways To Reduce Your Waistline Without Invasive Surgery

Are you missing ready to get trim? Are you looking to reboot your body? Weight loss is a goal for many people, especially as they age. Metabolisms shift, and it becomes exceedingly harder to maintain a figure. There are ways to get yourself on the right track. Try one of the following things to get started.

1. Eliminate Sugar

Sugar occurs naturally and is also heavily added to other foods. While it tastes good, it could be a major contributor to your weight gain. The body stores sugar differently than other nutrients; in fact, this ingredient may assist in fat development and storage. To see a quicker weight loss, don’t just reduce it; eliminate it. The metabolism is likely to increase, and your body could burn more calories.

2. Improve Hydration

Stomach growls don’t just pertain to hunger. Sometimes, it is a cue that the acid in your stomach is too high or that you may need more water. Rather than reaching for a few crackers, try drinking some water first. It may help fill up the tummy. Then, if you’re hungry, munch on a low fat, nutritious food such as an apple.

3. Introduce High Fiber

The body uses fiber to reduce hunger sensations and flush out the colon of toxins. Fat, especially soluble fat, clings to fiber, leaving the body through the bowels. Daily movements, then, are important in assisting weight reduction. 

Be sure to eat several things throughout the days that contain whole grains. Brown ride, wheat bread and vegetables are good choices.

4. Boost Your Morale

Sometimes you may feel lost, especially if the scale hasn’t budged in a while. If that is the case, your mentality could be preventing you from making progress. You have to shift your mindset to achieve your physical goals.

Do this in several ways. You may seek help from a plastic surgeon to perform nonsurgical fat reduction treatment Virginia Beach.

5. Add an Exercise Routine

Working out regularly may allow the body to feel and work better. Strive to fit in some cardio at least a few days a week. Try and keep it at the same time each day.

6. Try Supplements

Discuss with your doctor any supplements that might speed up calorie reduction. Some products rev up the metabolism and boost energy levels, helping you work out more and drop pounds. 

Weight loss isn’t easy. Develop a goal and set a plan. Keep in mind that you may require several different things to help get you to the finish line.

Health & Wellness

3 Ways To Protect Yourself and Your Home

Many individuals view their homes as a sanctuary, a place to relax and escape from the increasing pressures and demands from the world in which they live. Whether it be eating, sleeping or working, a fair portion of an individual’s life is often spent at home. Therefore, it is important that a house is properly equipped to handle any potential dangers that may arise. Homeowners may find it beneficial to implement safety measures that can detect hazards regardless of one’s occupancy within the home.

Fire Safety Precaution

House fires can break out at any moment without warning for a variety of reasons. Safety measures that can assist in both detecting potential fires and in minimizing damages are integral to the safety of one’s home. The use of smoke detectors is one way in which an individual can be alerted to the presence of smoke. Given that smoke is known to accompany fire, these devices can draw attention to an emergent situation. Sprinkler systems may also be an excellent way to aid in preventing the spread of a fire. Combating a fire in its early stages with the use of water may lessen the likelihood that a fire is able to grow. Using fire sprinkler systems New York can create ease of mind.

Carbon Monoxide Awareness

Carbon monoxide, infamously known as the silent killer, is very difficult for an individual to detect due to its nonexistent odor, taste and color. Carbon monoxide detectors are useful in alerting homeowners to the presence of these dangerous gases and allowing them to evacuate the premises in a timely manner. These devices can identify ventilation blockages in cooling systems, improper function of gas-run appliances and incorrectly stored motorized equipment.

Burglary Deterrence

Burglars are constantly looking to identify homes that they believe are easy targets. Alarm systems, heavily bolted doors and windows and high wattage lighting are simple ways that an individual can prevent a potential break-in. The use of an alarm system will not only alert the homeowner to the presence of unwanted visitors but will alert the local authorities as well. Securing entryways to one’s home can decrease a burglar’s ability to gain access to the home, providing an added layer of protection. Meanwhile, the use of bright lights minimizes a burglar’s ability to stealthily move around without risk of exposure.

Individuals should identify the potential risks that their home may be exposed to and implement any needed safety measures.

Health & Wellness

How Remote Patient Monitoring Helps People With Their Medical Conditions

Remote patient monitoring can also be used as a complement to telemedicine, especially during the current events that people are globally experiencing. Telemedicine has become increasingly known as a way for people to maintain contact with their doctors without exposing themselves to infectious risks and the inconvenience of commuting by going to the consultation in person. 

Treatment Monitoring 

For some diseases or medical conditions, it is necessary to adjust the treatment for the appropriate effect. For example, when it comes to hypertension, the doctor may start with a single drug at a low dose and gradually add additional drugs until the blood pressure is well controlled. Typically, these changes are made by modifying a single dose and then seeing the patient again in a few weeks.

The Simplicity

Can you imagine how simpler patients would have it if they did not have to go into a doctor’s office for a check-up on their progress after surgery? Or, isn’t it easy to understand that a simple review of a patient’s progress can be done virtually with all the advanced medical technology that doctors have at their fingertips? Doctors are now relying on remote devices to provide oxygen saturation to sick patients instead of having them visit the doctor’s office. This cuts down on medical costs, not only for the doctor’s office, but also for the patients. 

The Devices

Doctors now have various devices to facilitate remote patient monitoring. Every device is different and so are the prices. The devices have to be prescribed by the doctor. Most health insurance policies cover these devices due to their benefits. If these devices are properly used with the direction or supervision of a doctor, they should provide a lot of benefit to the patient in his or her overall health. 

Preventative Medicine

With remote patient monitoring, the doctors receive patient information immediately through Artificial Intelligence (AI). This has proven to be a great way to start using preventive medicine. The quality of life of patients increases significantly by being able to do their routine follow-up from their own home, without having to travel and stop consuming unnecessary hospital resources under this assumption. 


The family through apps can continually be informed, enhancing their confidence and trust. The hospital or doctor is brought virtually closer to the patient. The home health devices are used to measure his vital signs: spirometer, ECG, pulse oximeter, thermometer, glucometer, blood pressure monitor, etc., which transmit these constants thanks to specific software applications that receives, analyzes, and makes them available to doctors, patients and families; being able to carry out proactive and preventive monitoring of the patient. This is done using a reliable remote patient monitoring platform.