What Is a Health Insurance Premium?

dhita yudha

When it comes to paying for health insurance, it’s important to understand your health insurance premiums, including how much you’re paying each month and their impact on your overall health care expenses.

Savvy health care consumers should consider ways to reduce the cost of premiums but also understand that they are just one component of medical costs, which can include deductibles, copayments and other fees.

Looking to understand these payments and how to lower their cost? Here’s what to know about health insurance premiums.

[Read: What Is Open Enrollment for Health Insurance?]

What Is a Health Insurance Premium?

Simply put, a health insurance premium is the regular fee paid to the insurance company or health plan to maintain coverage.

Make sure you understand how and when your premium is paid to ensure you’re keeping your insurance coverage active. If you access insurance through your employer, premiums may be automatically

Read More

Sacramento-area teachers react to plans for an online fall

dhita yudha

In the wake of the news that public school campuses in Sacramento County will stay closed when instruction resumes in the fall, teachers are reacting with mixtures of relief and concern for their students, all while preparing for the upcoming school year.

The Sacramento County Office of Education announced Wednesday that its 13 districts, which serve more than 250,000 students from kindergarten through high school, will continue distance learning programs they implemented in the spring through the fall. The decision, made by schools officials, comes amid rising Covid-19 cases in the state, country and county.

Lori Jablonski is a government and geography teacher at C.K. McClatchy High School. She said that, amid rising cases and growing restrictions, the decision was expected. But even before the announcement, she struggled with the challenges online learning will present.

“I’m trying to view this as a challenge we can meet. I love teaching, and

Read More

Here’s how the pandemic is changing summer wedding plans

dhita yudha

Couples that were planning to marry in 2020 have had to contend with a unique type of wedding planning stress.

The coronavirus has derailed plans and forced couples to reimagine their big celebrations. But engaged couples and newlyweds have shown that COVID-19 is no match for love and they are finding creative ways to wed under the constraints of the pandemic.

Scaling down in-person events, bisecting wedding ceremonies from receptions, and incorporating video conferencing so the occasion can be digitally shared to those far and wide are some of the emerging trends from the wedding industry.

Cashay editor Janna Herron sat down with Yahoo Money and Cashay reporter Stephanie Asymkos to discuss the trends and outlook in the latest episode of the Money, Honestly podcast. Their conversation is based on Stephanie’s Yahoo Money and Cashay reporting.

Seventy-six percent of summer weddings in 2020 are still happening in one way or another. (Photo: Getty)
Seventy-six percent of summer weddings in 2020 are still happening in one way or
Read More

Harford Co. Youth Livestock Show, Sale On Pace To Be Held Live

dhita yudha

BEL AIR, MD – The ongoing coronavirus pandemic may have led to the cancellation of the annual Harford County Farm Fair, organizers knew how much the event – and specifically the livestock show and sale – means to the area’s young people.

So while the show won’t go on for the farm fair, youth who have invested their time and finances to preparing cows, pigs, goats and sheep over the past year, will still have the opportunity to make the most of their investment.

Event officials announced earlier this year that that the Harford County Livestock Show and Sale will take place at the county Equestrian Center in Bel Air between July 29-August 1. An in-person livestock judging will take place over three days before the sale will take place on Aug. 1. While the event won’t have any affiliation to either 4-H or to the county Farm Fair, the

Read More

Most engaged couples proceed with summer weddings despite pandemic

dhita yudha

Benjamin Romer and Melanie Middleton’s wedding on June 27, 2020, wasn’t the wedding they had planned, but it was the wedding that their guests called “heartfelt” and “how it should be.”  

They didn’t have any of the emblems of modern weddings like bachelor or bachelorette parties, a bridal shower, or rehearsal dinner. Fifty people, mostly family members who live locally, gathered in Middleton’s parents’ backyard in upstate New York and watched the two exchange their handwritten vows. 

“It was absolutely perfect and we wouldn’t have it any other way. COVID-19 may have caused us to change our original plans, but we adapted and pulled it off in style,” the couple said referring to what they call their “dream wedding.”

Romer, 31, and Middleton, 28, represent scores of couples who intended to marry in 2020 and had their milestones interrupted and redesigned by COVID-19. 

Benjamin Romer and Melanie Middleton represent scores

Read More

These Black entrepreneurs stepped up to make sunscreen for darker skin

dhita yudha

 <span class="copyright">(Alana Hunter / For The Times)</span>
(Alana Hunter / For The Times)

When Los Angeles resident Katonya Breaux was in her late 30s, she began noticing black moles on her face. It was an occurrence she assumed was genetic after witnessing the same spots on older women in her family. Breaux, the mother of singer Frank Ocean, consulted with her doctor on how to slow down the appearance of more spots.

She was met with a surprising response.

He said, ‘You know it’s not genetic, right? It’s sun damage,’” says Breaux, who, as a Black woman, had not worn sunscreen on a regular basis.

“I went to Walgreens, didn’t know anything about sunscreen and grabbed what was there. The products I tried led to skin irritation,” says Breaux, who discovered mineral formulas, which were less irritating yet created a chalky white cast on her skin. “Other brands were not tinted with me in mind and left

Read More

In the Same Towns, Private Schools Are Reopening While Public Schools Are Not

dhita yudha

Punahou School in Honolulu, on Mach 9, 2007, will be open full time in the fall of 2020, in the wake of the coronavirus pandemic. (Cory Lum/The New York Times)
Punahou School in Honolulu, on Mach 9, 2007, will be open full time in the fall of 2020, in the wake of the coronavirus pandemic. (Cory Lum/The New York Times)

In Honolulu, nearly all public schools are planning to allow students to return for just part of the week. But at Punahou, a private school for grades kindergarten through 12, school will open full time for everyone.

The school has an epidemiologist on staff and is installing thermal scanners in the hallways to take people’s temperatures as they walk by. It has a new commons area and design lab as well as an 80-acre campus that students can use to spread out. There were already two teachers for 25 children, so it will be easy to cut classes in half to meet public health requirements for small, consistent groups.

The same thing is happening in communities across the country: Public

Read More

Teri Polo and Sherri Saum on Reuniting for The Fosters Livestream: A ‘Cocoon of Goodness’

dhita yudha

When Teri Polo and Sherri Saum first connected while preparing to film the pilot for The Fosters, they knew they were at the beginning of something special. And that something special remains to this day.

When the pair, who played married parents of five Lena and Stef Adams Foster on hit Freeform drama, connected with PEOPLE earlier this week to discuss the reunion and pilot script-reading livestream their lasting bond couldn’t have been more evident. During the chat, the two reflected on the show and shared inside jokes. (Hummus, anyone?)

The special one-night-only event streams tonight at 8 p.m. ET/5 p.m. PT exclusively on PEOPLE.com and EW.com to benefit The Actors Fund (watch here! donate here!), and reunites the Polo and Saum with the rest of the family, including Hayden Byerly, David Lambert, Maia Mitchell, Cierra Ramirez, Danny Nucci and Noah Centineo. Expect tears, laughs, and a whole bunch

Read More

An entrepreneur’s guide to June’s startup news

dhita yudha

As Latin America braces for another wave of coronavirus infections that threaten to bring down healthcare systems, the region’s innovators have been making strategic moves to fortify their business interests while simultaneously providing services that directly assist those most impacted by the pandemic.

The month of June kicked off with the World Health Organization declaring Latin America and the Caribbean as the new epicenter of the coronavirus, with 938,000 cases documented by June 1st.

That number would only increase throughout the month, with today the region accounting for 50% of all cases in the Americas.

Against the surge in cases and WHO officials’ concerns about rapidly spreading coronavirus outbreaks in the Americas, the tech sector has continued to find new and innovative ways to not only ride out the storm, but to flourish with new offerings, expansions, and partnerships to meet the evolving needs of those they

Read More

Long Island Boxing Gym Develops Online Special Needs Class

dhita yudha

EAST NORTHPORT, NY — Since the coronavirus pandemic shuttered Long Island gyms in March, owners of independent and boutique gyms were left scrambling for ways to keep business going and stay busy. Edwin Rivera owns New York Fitness and Boxing (NYFB) in East Northport and he saw the forced closure as a chance to address a question his daughter Alexia, who has Down’s Syndrome, asked him two years ago: “Two years ago she wanted to know why there were no classes for people like her.”

The question stuck with Rivera and when COVID-19 hit he had time to come up with an answer. He developed a new online class held over Zoom for those with disabilities and special needs called The BoxFitness Experience.

NYFB opened in 2014 and trains clients with boxing-inspired workouts. The gym offers group classes, private training and self defense instruction. Like many small gyms across Long

Read More