Tag Archive for: health insurance

How to Stay Healthy this Winter


It’s mid-January and we are almost at the heart of winter. The cold makes itself known all the way to the bone. The wind howls through any space that will let it. A white blanket of snow makes it hard to believe that just 6 months ago we were poolside in the midst of blue skies and a green landscape. I guess you have to endure the cold and ice to really appreciate the heat and sunshine.

In the winter it is especially important to make an effort at staying healthy. Due to the weather we tend to be less active, stay indoors and have less social interaction. It is an easy trap to fall into and blaming the weather is an excuse we make all too often. But we must make a conscious effort to stay mentally, physically and socially healthy.

Mental Health

This might be the most important branch of health because it can affect your mood and how you view your physical and social health as well. An important part of staying mentally healthy over the winter is to be engaged. Instead of watching that extra episode on Netflix, you can spend that time reading a book, doing a crossword or a jigsaw puzzle. Just do something that makes you think. Your mind needs to be exercised. Even some simple mental stimulation can feed into some positive thoughts, and all of a sudden the weather doesn’t seem so bad,

Physical Health

This requires some mental fortitude. After finishing a section of your 1000 piece puzzle you might consider a well deserved rest. But wait! We need to get that heart pumping a bit first. Finding things to do during the winter might be intimidating because apathy seems to set in more quickly than usual. But you don’t necessarily need a gym membership or workout routine to stay active. There are typically open gym hours at churches and schools. You can get involved in a team sport or just use the gym for some individual practice. However, the best thing you can do is something so simple you probably wouldn’t expect it – walking. If you can dedicate about an hour of just walking a few times per week (so 3-5 hours per week), you can reap some great aerobic benefits. Walking is one the best and most fundamental exercises you can do, but it is often overlooked because of its simplicity. So start going for regular walks and collect your thoughts, or grab a friend and have a chat. The bottom line is as long as you’re doing something active, you are doing your part to keep yourself healthy. The tough part is making the commitment. It helps to make a schedule. That way you have some structure and some accountability to keep it.

Social Health 

Last but not least is social health. In the winter it is especially tempting to stay home and just do your own thing. OK, maybe you can’t have picnics and barbecues like in the summer, but I would be willing to bet there is a coffee shop close by. Get some friends together and catch up or discuss some current events or even a book. Meet at someone’s house to play games or have a party around a sporting or political event. Make it a weekly or biweekly thing to meet with people! We humans crave interaction, and a couple laughs and a stimulating conversation is just what the doctor ordered. The winter can be long and dreary, but if you spend some time with others who are going through the same thing, then it doesn’t seem so bad. Empathy and mutual support can go a long way, but you have to make the effort.

Final Thoughts 

Mental, physical and social health tend to run in unison. Either you have them all or you lack them all. If you make time for these things now, you will thank yourself later. Your overall health and the functionality of your immune system directly correlate with the combination of these 3 things.

Now, I realize we all have busy schedules and sometimes doing even a few extra things per week seems like an unrealistic expectation, but I encourage you to make the effort to do so. If you have to, maybe cut something out of your current schedule. You can even combine some of these activities to make better use of your time. For example, playing a game with your family can serve as mental and social stimulation, or a walk with a friend can serve as physical and social. Your health is very important. Don’t jeopardize it because of apathy, and don’t use winter as an excuse.

Have a productive winter and stay healthy!

What does Health Insurance Brokerage mean?



What is a Brokerage?

We find brokerages in many different areas of business.  We usually find them in the insurance and financial industries.  A brokerage simply acts as a middleman between sellers and buyers. Sellers don’t always know how to connect with potential buyers and buyers don’t always know where to look. Thus, we have an intermediate group that connect the two.

So, What is a Health Insurance Brokerage?

A health insurance brokerage is an intermediary between health insurance companies (also called health insurance carriers) and people who need health insurance.  Here at Cliff Consulting Group we have contracts with all major carriers.  This means we can sell insurance to consumers on their behalf.  We, therefore, connect consumers to carriers and vise-versa.

The advantage of using a health insurance broker is that we can look at all the plans for all the carriers that we are contracted with and choose the best one for you.  If we put you on a plan, but later we find a better plan with a different carrier, no problem!  We can switch you to that better plan.  We do this all at no cost to you!  That’s right, you don’t pay us any money!

In contrast, an individual insurance company who is marketing to you can only put you on one of its own plans. There is no shopping around different companies.  You only have the options that the individual insurance company provides you.  You could also shop around yourself, but chances are you are not too familiar with the intricacies of the health insurance industry. Also, the healthcare.gov site is not always the easiest to navigate. We have licensed agents that are experienced in the industry. We know the industry and how to get you the best plan. Why wouldn’t you want someone experienced helping you get the best health insurance plan for you? Especially, when it’s free! So get started now!

How does a Brokerage make money?

There might be one lingering question in your mind, how does a brokerage make money if we don’t pay them? That’s a great question. A brokerage is usually a commission based company. This means that a brokerage gets paid a percentage of a sale by the seller. The buyer usually only pays the seller. However, typically in the situation of a financial brokerage (for example, selling stocks) there is a fee for each transaction. Some health insurance brokerages may follow a similar practice by charging a fee for consultation.

Cliff Consulting Group does NOT charge anything to the consumer. We only receive commission payment from our contracted carriers for connecting you with them. You pay us nothing. It isn’t often that you see a professional helping you make an important buying decision for free, so take advantage of the opportunity!

Ring in the New Year with a New Health Insurance Plan

As 2015 comes to a close, we find ourselves right in the heart of the health insurance season.  We know it can be a stressful time of year.  The holidays are ending, we go back to school and work, and the winter ambiance is finally starting to set in.  We hope you have had a chance to spend time with family and friends over this holiday season and wish you many more happy years to come.

Part of enjoying those many years and great moments together is staying healthy.  That is where we can help!  If you or your family is still looking for health insurance or for a more affordable plan, we can assist you in that process. Being covered is a necessity to keep you and your family healthy, but why should it be stressful too?

Health insurance – like any field – can be complicated because it comes with all of its own terminology and legislation that can make it confusing.  We are here to explain what you need to know and assure you that you get the best policy that fits your needs and for the best price.  We are contracted with many local and national carriers so we can shop around and help you along the way.

If you are looking to change policies, we can certainly help you there too.  What a great time to do it too!  A new policy for the new year. Get in touch with us with any questions or concerns at (920) 268-1888  or browse plans on our website and Get a Quote Here.

All of us at the Cliff Consulting Group team wish you and your families happy holidays and a happy new year!