Health Insurance

Two common types of coverage that often get confused are Bodily Injury coverage and Med Pay.

Bodily Injury Coverage Or Med Pay – Which Policy Saves You in an Accident?

Posted on by Shield Insurance Agency

Shield Insurance Blog | Bodily Injury Coverage | Health Insurance | Auto Insurance | Start A Quote

When it comes to auto insurance, there are many coverage options to consider. Two common types of coverage that often get confused are Bodily Injury coverage and Med Pay. While they both provide coverage for medical expenses, they have some key differences. In this blog post, we will explain the difference between Bodily Injury coverage and Med Pay, and help you understand which one may be right for you.

Bodily Injury coverage is a type of liability coverage that protects you if you are at fault in an accident and someone else is injured. It helps pay for the other person’s medical expenses, lost wages, and other damages resulting from the accident. Bodily Injury coverage is typically split into two limits: per person and per accident. The per-person limit is the maximum amount the insurance company will pay for one person’s injuries, while the per-accident limit is the maximum amount they will pay for all injuries in a single accident.

On the other hand, Med Pay, also known as Medical payment coverage, is a type of coverage that pays for medical expenses for you and your passengers, regardless of who is at fault in the accident. Med Pay can help cover expenses such as hospital bills, doctor visits, and even funeral costs. Unlike Bodily Injury coverage, Med Pay does not cover lost wages or other damages.

So, what are the key differences between Bodily Injury coverage and Med Pay?

1. Fault: Bodily Injury coverage only applies if you are at fault in an accident, while Med Pay applies regardless of fault. This means that even if you are not at fault, Med Pay can help cover your medical expenses.

2. Coverage limits: Bodily Injury coverage has separate limits for each person and each accident, while Med Pay typically has a single limit that applies to all covered individuals. This means that if you have multiple passengers in your car, Med Pay may provide more coverage for each individual compared to Bodily Injury coverage.

3. Other damages: Bodily Injury coverage can also help cover lost wages, pain and suffering, and other damages resulting from an accident, while Med Pay only covers medical expenses. If you are looking for more comprehensive coverage, Bodily Injury coverage may be a better option.

How do you decide which one is right for you?

It ultimately depends on your specific needs and circumstances. If you are concerned about being at fault in an accident and want coverage for other damages, Bodily Injury coverage may be the better choice. On the other hand, if you want coverage for medical expenses regardless of fault, Med Pay can provide that peace of mind.

It’s important to review your insurance policy and speak with an agent to fully understand your coverage options and benefits. Shield Insurance Agency represents over 40 insurance companies and can help you find the right coverage for your needs. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

In conclusion, Bodily Injury coverage and Med Pay are two different types of coverage that provide protection for medical expenses in auto insurance. While Bodily Injury coverage applies if you are at fault in an accident and covers other damages, Med Pay applies regardless of fault and only covers medical expenses. Understanding the differences between these two coverage options can help you make an informed decision about your insurance policy.

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Discover the Hidden Benefits of Medical Pay Coverage on Your Car Insurance - Shield Insurance Blog

Discover the Hidden Benefits of Medical Pay Coverage on Your Car Insurance

Posted on by Shield Insurance Agency

Shield Insurance Agency Blog | Medical Pay Coverage | Contact Shield Today | Start A Quote

Car accidents can happen unexpectedly, leaving individuals with not only physical injuries but also financial burdens. In such situations, having the right insurance coverage can make a significant difference. One important aspect of car insurance that often goes unnoticed is Med Pay coverage. In this blog post, we will explore what Med Pay coverage is, its benefits, and why it is essential to consider when purchasing a car insurance policy. Additionally, we will introduce Shield Insurance Agency, a trusted provider representing over 40 insurance companies, and provide contact information for those interested in obtaining a free quote.

Understanding Medical Pay Coverage:

Med Pay coverage, short for Medical Payments coverage, is an optional add-on to a car insurance policy that helps cover medical expenses resulting from a car accident, regardless of who is at fault. This coverage is designed to provide immediate financial assistance for medical bills, regardless of whether the injured party has health insurance or not. Med Pay coverage typically covers expenses such as hospital visits, surgeries, X-rays, ambulance fees, and even funeral costs in the event of a fatality.

Benefits of Medical Pay Coverage:

  • Immediate Financial Assistance: Med Pay coverage ensures that medical expenses are covered promptly, allowing individuals to focus on their recovery rather than worrying about mounting bills.
  • No-Fault Coverage: Unlike liability coverage, Med Pay coverage is not dependent on determining fault in an accident. It provides coverage regardless of who caused the accident, making it a valuable asset in situations where fault is disputed or unclear.
  • Supplemental Coverage: Med Pay coverage can act as a supplement to health insurance, covering deductibles, co-pays, and other out-of-pocket expenses that may not be fully covered by health insurance policies.
  • Coverage for Passengers: Med Pay coverage extends to passengers in the insured vehicle, ensuring that their medical expenses are also covered in the event of an accident.
  • Peace of Mind: Knowing that medical expenses will be taken care of in the event of an accident can provide peace of mind to policyholders and their families, alleviating the stress associated with unexpected medical bills.

Why Choose Shield Insurance Agency:

Shield Insurance Agency is a reputable insurance provider representing over 40 insurance companies. With their extensive network of insurance carriers, they can offer a wide range of coverage options tailored to individual needs. Their experienced agents are well-versed in the intricacies of Med Pay coverage and can guide customers through the process of selecting the right policy.

Contact Shield Insurance Agency for a Free Quote:

For those interested in obtaining a free quote for car insurance or learning more about Med Pay coverage, Shield Insurance Agency is just a phone call away. By dialing (616) 896-4600, individuals can speak with a knowledgeable agent who will provide personalized assistance and answer any questions. Alternatively, the quoting process can be initiated by visiting the provided link, where an agent will be in touch soon to discuss specific insurance needs.

Med Pay coverage is an essential component of a car insurance policy that provides immediate financial assistance for medical expenses resulting from a car accident. Shield Insurance Agency, representing over 40 insurance companies, is a trusted provider that can help individuals find the right coverage to suit their needs. Whether it’s obtaining a free quote or learning more about Med Pay coverage, Shield Insurance Agency is committed to providing excellent customer service and ensuring that individuals have the necessary protection in place. Don’t wait until it’s too late – contact Shield Insurance Agency today to secure the peace of mind you deserve.

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Understanding matresence – the word every new mother needs to know

Understanding matresence – the word every new mother needs to know

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Positive.News | by Lucy Jones | August 2, 2023 | matresence | Health Insurance | Start A Quote!

During pregnancy and early motherhood, women undergo seismic psychological and physiological changes, yet this life-altering transition is neglected by society. Now the emerging concept of ‘matresence’, like adolescence, is opening up a new conversation about the bind of modern motherhood, helping to birth a new mothering culture

Before I had my first child, I had little idea about what becoming a mother would entail. I thought pregnancy was a straightforward physical process with a few ‘hormonal’ days. I thought that I would still be the same person when she was born. The experience of motherhood from a mother’s perspective hadn’t interested me before, I thought it was boring, banal. The proper work happened in an office. Most of us regard it this way: just look at that prefix in “just a stay-at-home mum”. I was overjoyed to be pregnant, but I realized, as the baby grew, that I had picked up strange notions about the value of the work of mothering. It’s no surprise: care work in our society is undervalued, unsupported, and disavowed.

In fact, it would be the wildest, hardest, most enlivening, and extreme psychological, existential, social, physical, and socio-political experience of my life.

When the baby was born, I had an uncanny sense that the old me was dead. I found this disturbing. I had gone, but I didn’t know where. My brain and patterns of thought felt different as if I had been rewired. I was expected to breeze through new motherhood, to ‘bounce back’ and crack on as normal. But I felt as if I’d been cracked open. After a gnarly birth and struggles with breastfeeding, hardcore sleep deprivation and the stress of looking after a newborn, mostly on my own – as is the way in our society – began to take a toll on my mind. But I was told to enjoy every minute. What on earth was wrong with me?

Around that time, I happened upon a word in an article written by a reproductive psychiatrist called Alexandra Sacks. It brought together everything I was feeling. Matrescence.

“The process of becoming a mother, which anthropologists call ‘matrescence’, has been largely unexplored in the medical community,” Sacks wrote. The word was like adolescence, and described the emotional, physical, and identity changes having a child triggers.

The idea that what I was feeling was normal filled me with relief. As a science journalist, I started to research the new and growing field of the parental brain. I was shocked by what I found.

Neuroscientists have found that the impact of pregnancy on the brain
is as significant as the impact of adolescence

After childhood and adolescence, there is no other time in an adult human’s life course that entails such dramatic psychological and physical change as matrescence.

In a landmark study published in Nature in 2016, researchers provided evidence, for the first time, that pregnancy renders pronounced changes in brain structure. Soon after, neuroscientists found that the impact of pregnancy on the brain is as significant as the impact of adolescence.

I learned about ‘zombie cells’. During pregnancy, cells are exchanged between the mother and foetus via the placenta. When the baby is born, some of those cells remain intact in the mother’s body. For decades. Perhaps forever. The phenomenon is called microchimerism. The exchange creates what leading geneticist Dr. Diana Bianchi calls a “permanent connection which contributes to the survival of both individuals.”

Click here for the full story on Understanding matresence..

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The Ultimate Guide to Walking: All Your Questions Answered!

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Shield Insurance Blog | Walking | Health Insurance | Start A Quote Today!

Your Top Walking Questions — Answered!

Walking is a fantastic form of exercise that is accessible to almost everyone. It’s low-impact, easy to do, and can be done anywhere, anytime. But like any form of exercise, there are often questions and uncertainties that arise. In this blog post, we will answer some of the most common questions about walking to help you get the most out of your walking routine.

1. Should I carry weights to burn more calories?

Carrying weights while walking can increase the intensity of your workout and potentially burn more calories. However, it’s important to use caution when adding weights, as they can put strain on your joints and muscles. Start with lighter weights and gradually increase the load as your strength improves. It’s also a good idea to consult with a fitness professional to ensure you are using proper form and technique.

2. How fast should I walk?

The speed at which you walk depends on your fitness level and goals. A brisk pace is generally recommended for cardiovascular benefits. Aim for a pace where you can still carry on a conversation but feel slightly breathless. If you’re just starting out, start with a comfortable pace and gradually increase your speed over time.

3. Do I really need to lug a bottle of water with me during a long walk?

Staying hydrated is important, especially during longer walks or in hot weather. While it may be tempting to skip carrying a water bottle to lighten your load, it’s essential to have access to water to prevent dehydration. Invest in a lightweight, portable water bottle that you can easily carry with you.

4. Is walking as good as other forms of cardiovascular exercise?

Walking is an excellent form of cardiovascular exercise that offers numerous health benefits. It can improve heart health, strengthen muscles, and help with weight management. While other forms of exercise may have their own advantages, walking is a great option for people of all fitness levels and ages.

5. Which is more beneficial: walking outside or using a treadmill indoors?

Both walking outside and using a treadmill indoors have their advantages. Walking outside allows you to enjoy fresh air, nature, and changing scenery. Treadmills, on the other hand, provide a controlled environment and allow you to easily track your speed, distance, and other metrics. Ultimately, the choice between the two depends on personal preference and convenience.

6. What’s the best time of day to walk?

The best time of day to walk is whenever it fits into your schedule and you can commit to it consistently. Some people prefer to walk in the morning to kickstart their day, while others find that an evening walk helps them unwind. Experiment with different times of day to find what works best for you.

7. Should I eat before I walk?

It’s generally recommended to have a light snack or meal before walking, especially if you’re planning a longer or more intense walk. This will provide your body with the necessary fuel to sustain your activity. Opt for a balanced meal or snack that includes carbohydrates for energy and protein for muscle repair.

8. What’s the simplest way to determine how fast I’m walking?

The simplest way to determine your walking speed is to use a pedometer or a fitness tracker that measures your steps and distance. These devices can provide you with valuable information about your walking pace and progress.

9. How many calories do I burn by walking a mile?

The number of calories burned while walking a mile depends on various factors such as your weight, walking speed, and terrain. On average, a person weighing around 150 pounds can burn approximately 100 calories by walking a mile at a moderate pace.

10. My walking shoes have two sets of eyelets. Which should I use?

The choice of eyelets depends on your foot shape and comfort. Experiment with both sets of eyelets to find the lacing pattern that provides the best fit and support for your feet.

11. I walk early in the morning, so my walking shoes always get wet. They’re still damp the next day when I go to put them on. Any suggestions?

To dry your walking shoes more quickly, remove the insoles and place them in a well-ventilated area. Stuff the shoes with newspaper or use a shoe dryer to absorb moisture. Avoid direct heat sources like radiators, as they can damage the shoes.

12. When should I get new shoes?

It’s recommended to replace your walking shoes every 300-500 miles or every 6-12 months, depending on your walking frequency and the wear and tear on the shoes. Inspect your shoes regularly for signs of wear, such as worn-out soles or decreased cushioning.

13. How can I evaluate my fitness level as a walker?

There are several ways to evaluate your fitness level as a walker. You can track your walking speed, distance, and time to monitor your progress over time. Additionally, you can perform a walking test, such as the 6-minute walk test, to

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Medicaid in Michigan: What You Need to Know

Medicaid in Michigan: What You Need to Know

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Shield Insurance Blog | Medicaid in Michigan | Contact Brianna or Carlos for details! | Shield Quoting Portal

When it comes to health care, Medicaid in Michigan is one of the most important and beneficial programs available to residents. Understandably, many people have questions about Medicaid in Michigan, particularly when it comes to eligibility, services covered, and the unique circumstances surrounding the program. In this blog post, we’ll dive into what Medicaid is, who can qualify, what it covers, how it works, and more. We’ll also examine how Medicaid in Michigan responds to economic downturns and emergencies, and how residents feel about the program. Finally, we’ll explore how Shield Insurance Agency can help you find a plan that fits your budget and needs.

What is Medicaid?

Medicaid is a joint state and federal government program that serves as a social safety net for some of the nation’s most vulnerable populations. Medicaid provides a range of services from preventative care, to doctor’s visits and hospital stays, to long-term in-home and nursing home care. These services and the program’s specifics may vary across states.

Who Qualifies for Medicaid in Michigan?

The Medicaid program is broad in its range of eligible applicants. It is open to both children and adults with low- to moderate levels of income. In Michigan, the qualifications for … Medicaid income differ depending on family size, though applicants must also meet other factors such as age, residency, and assets.

What Does Medicaid Cover?

Medicaid in Michigan covers a range of services to its beneficiaries from hospital visits and physician services to long-term nursing home care and home health care. It also provides certain preventive care services, such as annual checkups, immunizations, vision, and dental care. Other services such as mental and behavioral health treatment and substance abuse treatment may also be covered.

How Does Medicaid in Michigan Work?

In Michigan, Medicaid works through a partnership between the Michigan Department of Health and Human Services (MDHHS) and several other organizations. MDHHS runs the program and sets guidelines, while individual counties are responsible for determining eligibility for Medicaid benefits and providing services. If an individual meets the requirements, they may receive services from local county agencies or from managed care organizations (MCOs), which are organizations that contract with the state to provide Medicaid-covered services.

What are Demonstration Waivers?

Demonstration waivers are federal waivers that can be applied for by states, allowing them to adopt Medicaid programs tailored to meet the needs of their constituents. States can design their own Medicaid programs based on the demonstration waiver, and these programs may include different eligibility criteria, benefits, and service delivery methods than those available under the traditional Medicaid program. Demonstration waivers must be approved by the federal government before they can go into effect.

How Does Medicaid Respond To Economic Downturns and Other Emergencies?

During challenging economic times, the Medicaid program can serve as an important piece of safety net to assist vulnerable populations. In response to the COVID-19 pandemic, the state of Michigan created an emergency assistance program to help people who were laid off, lost wages, or are otherwise financially disadvantaged due to the pandemic. This program allows qualifying applicants to receive enhanced Medicaid benefits.

How Does the Public Feel About Medicaid in Michigan?

In general, the public has a positive opinion of the Medicaid program as it helps those who need it the most. For individuals who are eligible, Medicaid can provide financial security and access to needed medical care that may not otherwise be available. Though some criticism does exist, Medicaid is a widely popular program and receives a considerable amount of public support.

Shield Insurance Agency: Finding the Right Plan for You

Shield Insurance Agency specializes in health care plans, including plans that provide Medicaid coverage in Michigan. Representing over 40 insurance companies, Shield Insurance Agency can help you find a plan that meets your needs and fits within your budget. To get started, contact Shield Insurance Agency at (616) 896-4600 for a free quote today, or you can start the quoting process by visiting our website and an agent will be in touch soon.

Shield Insurance Blog | Medicaid in Michigan | Contact Brianna or Carlos for details! | Shield Quoting Portal

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Meet the young graduate who lives in a nursing home

Nursing Home and the graduate who lives there

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Positive News.com | by Oliver Balch | July 24, 2023 | Nursing Home | More Blog Articles

Meet the young graduate who lives in a nursing home

There aren’t many twentysomethings who would opt to live in an old people’s home, but for broke student Teun Toebes, it’s an experience that has changed his life – and the lives of his housemates

Cake, candles, banter, games, laughter, fresh air. Teun Toebes remembers his recent birthday as a total blast. He and his pals – Christi, Janny, Jopie, Ad. All of them just hang out, shooting the breeze, savoring the moment, and enjoying life.

It doesn’t bother him that they are all at least three times his age. Nor that they might have forgotten the event by now. They are his housemates. The people who this 24-year-old care ethics graduate has chosen to live with – first as a broke student researcher looking for a cheap room, now as a friend, ally, and campaigner.

Ad is his best friend in the care facility in the small Dutch town of Amstelveen that Toebes has called home for the last couple of years. As with all the venue’s elderly residents, Ad lives with dementia.

A former electrician and father of two, 78-year-old Ad is one of 55 million people worldwide with the condition. On average, most will live eight to 10 years after their initial diagnosis – the latter part of which many in the industrialized north will spend living in institutional care.

Toebes’ first exposure to the condition came as a 17-year-old intern in a local nursing home. Three years later, his great-aunt Greet was diagnosed with Alzheimer’s and came to live there. The serendipity allowed him to care for her directly, an experience that left him with a strange sense of privilege.

Despite Greet’s confusion, she read his moods and called him “my boy”; he, in turn, washed her, laughed with her, and, ultimately, coordinated her palliative care at the end. From that moment on, Toebes became convinced that it’s not only possible to connect with people with dementia but also to enjoy a lasting and reciprocal relationship.

Regrettably, that isn’t how institutional care in Europe and the UK works. Individuals like Greet stop being someone’s sister, someone’s neighbor, or someone’s lover; instead, they become someone primarily defined by their condition.

“Dehumanising” is the word Toebes comes back to most often to describe the situation. As he puts it: “I live together with the most beautiful 130 housemates, but they are all sorted together according to their dementia, the system sees them as the same.”

The most startling result of this logic is the restrictions. In Toebes’ facility, the doors are kept locked. Even access to the garden is restricted. So, for his birthday party, he had to request the key from the care home’s authorities. The latter cites understandable safety concerns, yet the parallels with the penitentiary system are as unavoidable as they are unfortunate. Hairdressers, doctors, dentists – all are brought into the facility, extreme risk-aversion means there are few opportunities for the residents to go out.

I live together with the most beautiful 130 housemates

Inside, protocols reign. If the temperature tops 30C, everyone must eat ice cream. The risk of salmonella means no soft-boiled eggs. ‘Care’ trumps ‘home’ every time, adds Toebes. Just consider the décor: a 200-meter-long corridor, easy-to-wipe tile flooring, strip lights everywhere, and walls with safety notices as decoration.

The effect of such a “surrealistic nobody’s land” on people’s identities is profound, he believes. Even the toilet habits of residents are monitored. ‘Firm’, ‘watery’, ‘discolored’: down it all goes, recorded in his housemates’ medical dossiers.

“If you’re reading in your mother’s records what kind of sh*t she has every day, then you will start seeing her more and more as a patient.

He doesn’t hold individual carers to blame. In a way, they too are subjects of a system that, as Toebes puts it, places “control and safety” above “happiness and being together”. To combat this, Toebes introduced Friday drinks, camping evenings, and trips to visit grown-up children for the residents, small things that have transformed the torpid atmosphere of the care home.

To kick off a conversation about what an alternative, people-centered dementia care might look like, Toebes has penned a book – The Housemates, out in English in August – already a No.1 bestseller in the Netherlands.

He recently set off on a tour of 11 countries on four continents to see how other nations approach dementia care, making a documentary that will be screened at a G20 summit on the disease later this year.

If we keep seeing the human being, he or she never really disappears

Each country adopts a slightly different strategy, he discovered. In South Korea, for instance, the emphasis weighs heavily on prevention through healthy lifestyle habits. In South Africa, the focus is on care within the family. In Moldova, residential care is not segregated by disease, meaning dementia-only facilities don’t exist.

His main takeaway lessons? Firstly, money alone won’t solve the problem. The UK spends £14.2bn a year caring for people living with dementia. That comes out of people’s taxes. Yet, it’s money for a system that no taxpayer in their right mind “would ever want to live in”.

An even more important lesson: everyone needs freedom and friendship, whatever their condition. Even if their mind is lost to dementia? Even then, he insists: “If we keep seeing the human being, he or she never really disappears.”

Positive News.com

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Choose a health insurance plan that meets your specific needs

Peace of Mind: Understanding the Importance of Health Insurance for Your Well-Being

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Shield Insurance Blog | Health Insurance | Start a quote today! Contact Brianna or Carlos for help

Health insurance is an important aspect of life in Michigan. Understanding the different types of health insurance, key terms, availability, and cost is vital to finding the right policy for you. Shield Insurance Agency understands the importance of finding the best health insurance plan for you and they have the expertise to help determine the best coverage to fit your needs. Read on to learn more about health insurance in Michigan, including HMOs, PPOs, HRAs, HSAs, and more.

HMOs and PPOs

Health Maintenance Organizations (HMOs) and Preferred Provider Organizations (PPOs) are two common types of health insurance. HMOs are health insurance plans that provide access to a network of healthcare providers and usually require referrals in order to see a specialist. PPOs also provide access to a network of healthcare providers, but they allow you to choose your own doctors and do not require referrals. Both have different structures that affect how much you pay for services and how much deductible and copayments you pay.

HRAs and HSAs

Health Reimbursement Arrangements (HRAs) are employer-provided plans that allow employees to set aside pre-tax dollars to use for eligible medical expenses. Health Savings Accounts (HSAs) are also employer-provided plans that allow employees to save pre-tax dollars to use for eligible medical expenses. They are similar to 401k accounts, in that investments are allowed and the money rolls over from year to year. Both of these accounts can be used to help pay for out-of-pocket medical expenses, such as copays and deductibles.

Key health insurance terms

When thinking about health insurance in Michigan, there are several key terms to keep in mind. Copayments (or copays) are fixed amounts that customers pay for services, such as doctor visits or prescriptions. Deductibles are the amount of money the customer pays out of pocket before the insurance company pays for services. Coinsurance is the percentage of costs the customer pays once the deductible is met.

How much does health insurance cost


The cost of health insurance is different for everyone depending on factors such as age, family size, location, and type of plan. Generally speaking, HMOs tend to be less expensive than PPOs, and the higher the deductible, the lower the monthly premium. Health insurance premiums also depend on whether or not you receive subsidies or tax credits. In Michigan, the average monthly premium for family coverage with an employer-sponsored plan is about $735.

What are the different health insurance metal levels are

Health insurance plans also differ from one another depending on their level of coverage. Platinum plans typically have the highest premiums but also the most coverage, while bronze plans have the lowest premiums with the least coverage. Silver and gold plans are in the middle, offering somewhere between the two extremes of platinum and bronze plans.

When you can buy health insurance

The Annual Open Enrollment Period (OEP) is the time when everyone can buy a health insurance plan or make changes to their existing plan. In Michigan, the OEP runs from November 1st through December 15th each year. If you miss the OEP, you can still buy coverage outside of open enrollment if you experience certain life events, such as marriage, the birth of a child, or a move to a different state.

Where you can buy health insurance

You can buy health insurance from Shield Insurance Agency which represents over 40 insurance companies and specializes in helping individuals and businesses find the right plan for them. They can help determine the best level of coverage and answer any questions you have about health insurance in Michigan. Contact Shield Insurance Agency at (616) 896-4600 for a free quote today or start the quoting process by visiting this LINK and an agent will be in touch soon.

Health insurance in Michigan is an important aspect of life and it is essential to understand the types of health insurance, key terms, availability, and costs when shopping for a plan. Shield Insurance Agency has the expertise to help guide you through the process of finding the right policy for your needs and they can provide a free quote. For more information about health insurance in Michigan, contact Shield Insurance Agency at (616) 896-4600 today or visit this LINK to start the quoting process.

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Insects That Live In Your House

Insects That Live In Your House

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Reliant Pest Control | BY TREY CLAWSON | October 19, 2022 | Insects | Home Insurance | Start A Quote!

The Roommates You Never Knew About (A Deep Dive Into The Insects That Live In Your House)

Unless you’re an entomologist, the thought of sharing your home with insects might not be a pleasant one. But the truth is, there are probably more insects living in your house right now than you realize. 

In fact, the average home has more than 100 different types of bugs living in it!

So, let’s take a closer look at some of the most common insects you’ll find in your home so you can take pest control steps to get rid of them once and for all. 

Bedroom Hiding Spots for Insects

From the cracks in your floorboards to the gaps between your furniture, there are countless hiding spots for bugs to take refuge in your bedroom. Plus, bedrooms are often full of dust, which provides a food source for many types of insects. And finally, most bedrooms are located near other rooms in the house (such as the kitchen or bathroom), making it easy for pests to travel from one room to another.

Bathroom

The bathroom is one of the most commonly used rooms in any home, and it’s also one of the most likely places to find pests. From ants and cockroaches to spiders and silverfish, a variety of creatures are drawn to the humid, dark environments found in bathrooms. In many cases, these pests are simply looking for a source of water or shelter. However, they can also be attracted by the food left behind on counters and in sinks. 

Common Areas

Your living room is a gathering place for your family and friends. It’s also a common gathering place for bugs. Why are there so many bugs in your living room? There are a few reasons. 

First, your living room is usually one of the warmest rooms in your house. Bugs are attracted to warmth. Second, there are usually lots of food and water sources in your living room. Third, there are usually lots of hiding places in your living room. 

Finally, your living room is usually full of people coming and going. Bugs can hitch a ride into your living room on clothing or shoes.

Click here for the full story and some great graphics… |

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Swallowed By Whale

Kayakers Swallowed By Whale Live To Tell The Tale

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Shield Insurance Blog | June 8, 2023 | Swallowed By Whale | Life Insurance | Start A Quote Today

VIDEO: Humpback whale almost swallows kayakers near a California beach

The two managed to escape unscathed, briefly going underwater after capsizing before reemerging.

Julie McSorley says she learned an important lesson after she and her friend ended up in a humpback’s mouth: “Whales need their space.”

McSorley and Liz Cottriel were kayaking together in California’s San Luis Obispo Bay watching the whales feed on silverfish when one of the massive sea creatures surfaced beneath them, toppling their kayak and knocking them into the water.

Videos and photos from other kayakers and paddlers appear to show the women and their kayak being momentarily engulfed in the whale’s mouth — though the two friends say it all happened too fast for them to be sure.

“It’s definitely woke me up to the realization that, you know, our place is not in the feeding zone of whales,” McSorley told As It Happens host Carol Off.

“We didn’t think we were that close, but we definitely were right in the area that we shouldn’t have been — so I’ve learned my lesson, big time.”

Swallowed By Whale

AVILA BEACH, Calif. — Two whale watchers had a close encounter while kayaking off the coast of Avila Beach, California, that they will likely never forget.

Julie McSorley and Liz Cottriel were watching humpback whales on Monday when one decided to get up close and personal. A whale came up underneath them and caused them to capsize.

“I saw the big pool of fish, the big bait ball come up out of the water,” McSorley told CNN affiliate KMPH. “I saw the whale come up. I thought, ‘Oh, no! It’s too close.'”

“All of a sudden, I lifted up, and I was in the water.”

Footage from a witness nearby makes it appear as if the kayakers are being swallowed by the whale, but the two just tipped over.

“The whale was right here in my face, literally,” Cottriel told KMPH.

“I’m thinking to myself, ‘I’m gonna push. Like, I’m gonna push a whale out of the way! It was the weirdest thought. I’m thinking, ‘I’m dead. I’m dead.’ I thought it was gonna land on me. Next thing I know, I’m underwater.”

The two managed to escape unscathed, briefly going underwater after capsizing before reemerging.

Humpback whales typically feed on krill and small fish, according to the National Oceanic and Atmospheric Administration (NOAA).

The NOAA says humpback whales are popular among whale watchers as they are active on the surface and often jump out and slap the water with their pectoral fins or tails.

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Health Insurance

Health Insurance: The Importance of Protection for You and Your Family

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Shield Insurance Agency Blog | Health Insurance | Contact Bri or Carlos for details

Medical expenses can be a significant financial burden, especially if you or a family member
requires extensive medical treatment. Health insurance is a crucial tool that can help you
manage these costs and ensure that you and your loved ones receive the care you need. In this
blog post, we will explore the different types of health insurance available, the benefits of having
health insurance, and how to find affordable coverage.

Types of Health Insurance

There are two main types of health insurance: private health insurance and public health
insurance. Private health insurance is typically purchased by individuals or provided by
employers as part of a benefits package. Public health insurance is provided by the government
and includes programs like Medicare and Medicaid.

Supplemental health insurance is another type of coverage that can be added to your existing
health insurance plan. This type of insurance can help cover costs that are not included in your
primary health insurance plan, such as deductibles, copayments, and coinsurance.
Benefits of Having Health Insurance

The primary benefit of having health insurance is protection. Health insurance can help cover
the costs of medical treatment, including doctor visits, hospital stays, and prescription
medications. Without health insurance, these expenses can quickly add up and become
Unmanageable.

In addition to financial protection, health insurance can also provide peace of mind. Knowing
that you and your family are covered in the event of a medical emergency can alleviate stress
and anxiety.

Finding Affordable Health Insurance

One of the biggest concerns for many people when it comes to health insurance is affordability.
Fortunately, there are several ways to find affordable coverage.

One option is to shop around for health insurance quotes. Shield Insurance Agency represents
over 40 insurance companies and can help you find a plan that fits your needs and budget.

Contact Shield Insurance Agency at (616) 896-4600 for a free quote today.

Another option is to consider a high-deductible health plan. These plans typically have lower
monthly premiums but require you to pay a higher deductible before your insurance coverage
kicks in. While this can be a riskier option, it can also be a good choice for those who are
generally healthy and do not anticipate needing extensive medical treatment.

Finally, you may be eligible for public health insurance programs like Medicaid or Medicare.
These programs are designed to provide coverage for low-income individuals and seniors,
respectively.

Choosing the Right Health Insurance Plan

When choosing a health insurance plan, it is important to consider your specific needs and
budget. Some factors to consider include:

  • Monthly premiums: How much can you afford to pay each month for health insurance?
  • Deductibles: How much will you have to pay out of pocket before your insurance coverage kicks in?
  • Copayments and coinsurance: How much will you be responsible for paying for doctor visits,
    prescriptions, and other medical expenses?
  • Network: Does the plan include the doctors and hospitals you prefer to use?
  • Coverage: Does the plan cover the medical treatments and services you need?

By carefully considering these factors, you can choose a health insurance plan that provides the
protection you need at a price you can afford.

In conclusion, health insurance is a crucial tool for protecting yourself and your family from the
financial burden of medical expenses. Whether you choose private health insurance, public
health insurance, or supplemental health insurance, it is important to find a plan that fits your
needs and budget. By working with Shield Insurance Agency and carefully considering your
options, you can find affordable health insurance coverage that provides the protection you
need.

Contact A Shield Agent today for a review of your current policy and learn about your healthcare options:

Brianna Kornoelje, Health Benefits Advisor, Direct Line: 616.777.3012

Carlos Garcia, Health Benefits AdvisorHabla español, Direct Line: 616-777-3017

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