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Order More Free Covid-19 Tests

Every home in the United States is now eligible to order eight free at-home COVID-19 tests. Tests are completely free and are expected to ship in 7-12 days. There are eight tests that come in two separate packages. Each package of four comes with a tracking number once it ships. 

We encourage all our members to order a set for their home. Orders are made through and delivered by the United States Postal Service.

If you need help placing an order, call 1-800-232-0233.

What type of test will arrive?

Households receive eight rapid at-home antigen tests. These can be taken anywhere and give results within 15 minutes. You do not need to drop them off at a lab. The test will work whether or not you have COVID-19 symptoms. 

What is the difference between a rapid antigen test and a PCR test?

Rapid antigen test look for pieces of the viral proteins that cause COVID-19. The PCR test detects the genetic material of the virus. Antigen tests work best when a person has symptoms of the virus. PCR tests are more accurate but can take longer and can show positive results for longer, even sometimes after a person is contagious. 

When should you take a rapid at-home antigen test?

 You should take a test if you have any symptoms of COVID-19, like fever, sore throat, runny nose, or loss of taste or smell. You should also take one at least five days after you have come in contact with a person who tested positive for the virus. The test is also a good tool when you are planning to be in a large group of people, especially those who are at high risk of severe disease. 
 

What to do if you test positive. 

If the at-home test shows a positive result, it found the virus present in your system. That means you very likely have COVID-19. You should then follow the CDC guidance for isolation. At this time, the CDC recommends isolating for a minimum of five days if you have symptoms or test positive for the virus, regardless of vaccination status. Then it recommends taking extra precautions for an additional five days, for a total of 10 days. The precautions include wearing a well-fitted mask and not going places where you cannot wear a mask. Click the link for more details on the isolation and guidance. 

What to do if you test negative.

If the at-home test shows a negative result, it means the test did not find the virus. In this case, you may have a lower risk of spreading COVID-19 to others. You should test again within a few days, with at least 24 hours between each test. Check the test kit instructions for next steps.

 

small-business-insurance

When Should Your Business Start To Offer Health Insurance?

While operating a business, it is pretty easy to get lost in the day-to-day and put off some tasks for the future. Your employee’s health benefits should not be one of them. Employees place a lot of value on health benefits and in an extremely competitive labor market, good talent can be hard to retain. Health insurance incentives may be what could separate you from the rest, allowing you to retain and attract global talent.

Health insurance can be very costly for businesses, but the benefits definitely outweigh the expenses. Everyone knows that attracting the right talent is one of the biggest challenges for any business. By offering a comprehensive health insurance plan, you could definitely bring in the talent you need to achieve your vision.

But if you’re operating a small business or just starting out, you may be wondering when should your business start to offer health insurance. The answer is as soon as possible! There is no fixed answer for all businesses, but the sooner you put your plan in place, the better. To find the most suitable plan for your business, you can get in touch with reliable healthcare consultants for business owners.

Boost Employee Productivity

Boosting productivity and overall employee efficiency is extremely important for all businesses. If your employees are worried about health expenses, chances are they might not be as motivated as they could be if you offer them health insurance. This is due to the fact that healthcare is extremely expensive in the US.

How Large Do Businesses Have To Be To Offer Health Insurance?

There is no minimum number of employees, but around 35% of businesses that have under 15 employees offer health insurance. With most small businesses and startups struggling to keep up with finances, it can be difficult to allocate funds towards offering health plans. While mitigating expenses to maximize profitability is important, offering health benefits is equally crucial. Startups that have received investor funding do not have this problem since they are in a very good cash flow position.

Around 65% of businesses with less than 50 employees offer health insurance. As the employee count increases, statistics show a significant increase in businesses offering health insurance to their customers. Many businesses have to forcefully allocate funds for these expenses because health benefits have now become a significant part of any expected compensation plan. A health insurance plan gives an employee peace of mind that in case of emergencies, their health benefits would be able to cover expenses.
The Affordable Care Act was put into place in 2010, Businesses with more than 50 employees are required by law to offer health insurance. Failing to do so would result in a large fine. There are different types of health insurance that businesses can provide, each offering a specific coverage amount. Businesses can select what seems feasible accordingly.

While offering stock options may seem like a good incentive, health benefits has its own importance and are typically expected in any compensation plan. Even current employees at businesses are most likely considering other options if they aren’t being offered a comprehensive health insurance plan.

 

ClaimLinx office closed for 4th of July

The ClaimLinx office will be closed on Monday, July 4 to celebrate Independence Day with friends and family. All inquiries will be returned as soon as possible upon our return.

We hope all our clients and members are able to enjoy the holiday safely with loved ones. Our staff will be grilling, hanging by the pool, travelling to see family and generally trying to stay cool. What are you doing for the holiday? Let us know on Facebook, Twitter or Instagram

Facts about American Independence Day

  • The Continental Congress issued the Declaration of Independence on July 4th. That’s why we celebrate on that date.
  • Both the Declaration of Independence and the Constitution were signed in Philadelphia.
  • The first signee of the Declaration of Independence was John Hancock

Facts about Celebrating July 4th

  • The oldest 4th of July Parade happens in Bristol, Rhode Island
  • Massachusetts was the first state to recognize the 4th of July as a holiday
  • Macy’s 4th of July Fireworks show is the biggest fireworks display of the holiday.
  • The 4th of July did not have common celebrations until after the War of 1812.

Fun actives to do to celebrate

  • Make patriotic desserts
  • Have a backyard movie with family and friends
  • Go camping in your background
  • Have a game night
  • Make crafts with your kids
  • Watch fireworks
  • Spend the weekend on the water

We encourage all of our members and clients to stay safe while celebrating the holiday and we look forward to working with you again when our office is open.

Choosing insurance

How to Understand Health Insurance from the Marketplace

If you’re new to the world of health insurance, there are several technical terms that may make it seem very daunting at first, but we aim to clear things up within this article. The health insurance marketplaces has provided insurance coverage to millions of individuals over the years. Selecting the right insurance plan is important, because getting an expensive plan that doesn’t contain coverage for what you need is of no use.

The Health Insurance Marketplace

This marketplace offers visitors an opportunity to purchase all types of health insurance plans ranging from individual to family health plans. The primary benefit of this marketplace is that it allows users to compare plans to evaluate pricing, coverage and more. Each state has their own version of the marketplace, while some only utilize the federal one. There is an enrollment period every year where you can purchase plans in the marketplace.
The insurance marketplace stems from Obamacare through the ACA in 2010. As the years passed, around fourteen different states have chosen to create their own health insurance marketplace. One of the biggest benefits is that the plans listed on these health insurance marketplaces provide coverage for the ten necessary health requirements.

Categories of Insurance Plans in the Marketplace

There are 4 different categories, i.e. Bronze, Silver, Gold and Platinum. Platinum level plans are the most expensive, but they also provide the maximum amount of expense coverage. Users can view and compare the coverage of each plan alongside their costs.

While you do need to keep your budget in mind as well, it is important to remember that the price of healthcare in the US is extremely high. Getting a plan that provides better coverage is always the best option.
One important thing to remember is that the platinum level plans do NOT guarantee quality care. You need to go through the list of accepted healthcare professionals to see if the plan is a good fit.

You may also be eligible to obtain financial assistance for your plans if you meet a certain criteria. This can help take care of the high costs of monthly premiums. Once you select a plan, more details about financial assistance will be available to you on the health insurance marketplace.

Eligibility Requirements

To shop in the marketplace, you have to meet certain eligibility requirements. For example, you must be a lawful U.S. Citizen, or a U.S. National. Individuals who are incarcerated cannot purchase healthcare. Another important thing to remember is that you cannot be enrolled in Medicare when purchasing the health insurance marketplace.

Conclusion

If your current employer offers healthcare benefits, do evaluate those options first instead of purchasing directly from the marketplace. This is because employer-based premiums are normally lower with better coverage since the employer obtains them at bulk pricing.
However, if you’re handicapped or unemployed, purchasing directly on the health insurance marketplace is a perfect choice. With numerous options available for you to compare and select from, it is important to take your time to carefully evaluate coverage, premiums, and more.

ClaimLinx invites you to Uncommon Strategies Webinar

ClaimLinx is inviting you to join a zoom call with Lifetime Financial Group (LFG)  and Tom Wyatt. The meeting is to go over uncommon strategies that will help you run your business more smoothly. This session is a must for any client who owns a business, their accountants and any other professionals who serve them.

LFG is very excited to announce that Tom Wyatt, will be the next speaker in the UnCrowded Wisdom seminar series! Tom is LFG’s resident expert on topics that are important to your business owner clients.

  • Optimizing cash flow
  • Personal finance and how business owners need to think differently.
  • Using benefit plans to attract and retain talent
  • Maximizing the value of the business prior to selling it
  • Tax minimization in the current economic environment

Tom Wyatt has 24 years of experience in business planning, retirement planning, executive benefit programs, charitable planning, and individual planning. He has clients from the east and west coast, the businesses he works with could have a few associates to thousand employees. He helps with business owners needs, including planning and business exit strategies.

How To Join

Tuesday, July 12th, 2022

12:00 pm- 1pm (EST)

Click here to Register 

Receive an official invite from LFG by clicking here