Since the advent of the health care reform law, more and more employers who offer health insurance to over 65’s are turning to private exchanges to provide individual coverage, often at a lower cost than previous plans.

According to a Kaiser Family Foundation Health Research & Educational Trust survey from 2014, the number of companies with over 200 employees who offer retiree health coverage dropped from 66% in 1988 to 28% in 2013. And while currently 29% of employers are utilizing the benefits of private health exchanges to offer their post-65 retirees continued health coverage, another 27% of companies are seriously considering the move, with 44% already evaluating the impact of such a change, as stated in a further survey of 424 public and private sponsors representing a total of 3.8 million retirees.

The growing trend of over 65’s retiree migration to private exchanges is fueled in part by the Affordable Care Act, partly by the elimination of the tax-favored status of retiree drug subsidy, and lastly by improvements in the Medicare Part D program, which aims to fill the so-called ‘donut hole’ by 2020.

Connecticut-based John Grosso, actuary, and leader of Aon Hewitt’s task force for retiree health is convinced that individual coverage has become more cost effective in the post ACA market, while at the same time, retiree benefit values remain preserved. And Eric Stranger, Principal of Health Exchange Solutions at Buck Consultants in Rhode Island believes the trend is set to grow stronger in the near future.

“Most employers that provide group health benefits to post-65 retirees are at the very least evaluating whether an exchange would work for them and their retirees,” said Stranger, and added, ““We’re not looking at first movers anymore. The level of activity we’re seeing from employers has increased almost exponentially every year.”

One successful example of the trend can be seen in Georgia. Postal giant United Parcel Service (UPS) recently moved 17,000 of its post-65 non-union retirees and their spouses to the private exchange at Aon Hewitt, where, depending on their location, the retirees have a choice of around thirty-six plans, ample enough to find the best available plan for each individual.

““We had a lot of feedback before from our retirees that there wasn’t much value to our existing plan,” said BJ Dorfman, Atlanta-based Director of US Benefits. “It was secondary to Medicare and didn’t pay unless they hit a $1,000 out-of-pocket maximum. So from a design standpoint, the fact that they could pick their own plan and they had more choice — it was really appealing to them.”

While United Parcel’s move proved highly beneficial for retirees, the company itself experienced no change in health care costs. Not so for the Alameda County Employees Association. The organization based in Oakland, California, cut its costs by an astonishing 50% when it moved 1,300 post-65 retirees to the Extend Health Inc exchange in 2013. The move provided retirees with access to 55 different carriers and 214 different plans.

Despite the obvious benefits, the move to a private exchange can be quite confusing for retirees. Most will have little or no experience of the health insurance marketplace. Which is why platforms like Benistar have dedicated customer service representatives to guide and support post-65 retirees throughout the entire moving process.

Moving to a private exchange makes sense for a lot of reasons. “Your retiree group typically is getting smaller, older and sicker,” says John Barkett, Director of Health Policy Affairs at Towers Watson, in Arlington, Virginia. The main reason post-65 retiree coverage purchased from an exchange is cheaper than an employer plan is that they have the capability and the resources to spread the risks further.

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If you are in the search of best place for hospital stays accommodation portal, then you are surely at the right place in this regard.

Why you need the best hospital stays accommodation portal?

Before telling you about the right platform that will give you every service related to apartments, motels, and houses near to hospitals, let me tell you the benefits of these services in the modern age.

If you are a patient and worrying about accommodations to live in a healthier place, then you have to live in that places that will give you healthier environment and will increase the chances of better health. It is not very easy to find those places in themodern age because pollution of the environment is all around. You have to search for a healthier place to keep yourself healthy and fit. Apart from this, you have to live nearer to the hospitals if you are having a severe issue of health because you can need a doctor anytime you need cause of your worst health.

Many companies and the corporations are giving you the basic need of hospital stays accommodation portal plans. But you have to choose the best from them according to your health. You have to choose that place that will give you the best source of mental peace and all other benefits that your body needs. Hospital stay is one of the best platforms in Australia that are providing you the core and right platforms for your proper health issues. If I could say, they are serving for the well-being of humanity; then it is fair and according to the ground rules for mankind lovers.

The rightplace for the patients to get instant recovery – Hospital stays:

The hospital stays platform is providing the necessary facility of living for the patients and also for the loving ones and relatives of the patients. You can get instant medical services from the medical specialists from this platform. They are affiliated with more than 3070 different and best hospital accommodation plans for them. You can live near the hospitals so that you can visit your doctor easily in the time of need. All of these accommodations are quality ones and also according to the health issues.

You can get apartments for your family, motels for your loving ones and all other housing options are also available for you at any time you want. All of the best options for the apartments, motels and the existing houses are available at the affordable rates for you and also for your family. All of these houses and the apartments are near to the hospitals.

If you think that all of these facilities will be much costly for you, then you are wrong. All of the services areavailable at the quality rates. Above all the quality of each service is upto 100% healthy environment. So, if you are thinking to get the instant houses at any time, then the only name that should come into your mind has to be, “Hospital stay.”

Search according to your desire and pay for that at hospital stays:

There are many uniqueplaces that you can choose from this platform, but the best and most search ones are here. These are just for your information. You can choose any of them because they are the top ranked hospitals in the particular location. You can also get the best and wanted results from these accommodations. After the search, you have to choose the check in date and also the checkouttimes. Above all the pricing factor is also there for comfortability. Have a look at them to get abetter idea of this exciting platform. All of the hospitals are in Australia and serving the best for you in hospital stays accommodation portal.

• John Hunter hospital
• Ballarat health services
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Many other are also in the search list, but the best from all of them are mentioned above. You have to take the services of hospital accommodation from this platform. If I could say, this is the best and right place to get or reserve the place for patients to get the healthy environment that will help them to recover soon, then it will not be wrong. All of the places are fit and healthy, and the best thing about them is the pricing factor.

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It’s known that whatever you do, good sleep is imperative in order to be successful at it. We’re designed that way. Even though the amount of needed sleep hours varies from one person to the other, it’s universally accepted that every individual should sleep approximately from seven to nine hours a day.

However, that may not be achievable due to a couple of factors which we’ll talk about in the following sentences. Moreover, we’ll also touch on the topic of why sleep is good for you!

Factors that Affect Your Sleep

There are good news and good news – the first is that there aren’t many factors that determine your sleep pattern and the second good news is that most of them can be controlled. So, let’s take a look at some of the most common factors.

In fact, nothing replaces a good night’s sleep in a bed. Even though some claim that they sleep on sofas, and even on a bedroom rug or on the ground, your body is relaxed the most while sleeping on a bed. A side note here is to watch out for the mattress and whether it may need to be changed.

Furthermore, people who have chronic medical issues may have trouble sleeping. Some of these conditions include cancer, arthritis, heart problems, Parkinson’s, and many more. It’s best to consult with your doctor in these kinds of situations.

Did you know that even relationships influence your sleep? If you’re feeling angry at someone (especially someone close), stressed out or mad, sleep may be far from your mind.

Food can also be found on this list. Some foods are known to cut your sleep such as caffeine or alcoholic beverages. But, there’s a solution for that. With the help of a caffeine calculator, you can estimate the approximate quantity of caffeine in your drink. All you need are details like the type of drink, your weight, and similar for this tool to work.

You Need to Sleep More – Here’s Why

Do you think that sleep is overrated? In fact, it isn’t. And we’ll try our best to make you realize why sleeping is valuable.

• Good memory – While you sleep, a process of consolidation happens. That means that what you’ve learned as well as the practices and skills strengthen in your mind.
• Get more creative – Your brain can reorder your memories while you sleep, which means you can get more creative and imaginative.
• Sleep helps you win if you’re a sportsperson or generally improve your performances in every field and in every profession.
• Longer attention span

Some Final Words

Overall, sleep brings a ton of positive things to both your individual and professional lives. And it’s good to know that the factors that influence it can be managed in a way that you can sleep more and be as productive as possible.

So, the next time you stay longer in bed, know that you didn’t completely waste your time. Instead, you were working on enhancing your abilities.