Puyallup Health Insurance – Save $$ with Robert L. May Insurance

Family saves $14,472 in health insurance premiums in one year by switching to an HSA!

I recently met with a family of four who wanted to reduce their health insurance premiums. They currently have a plan through Costco. The premium is over $1,500 per month for the family. They are all very healthy and don’t plan on having any more children. I recommended an HSA (Health Savings Account) plan from Group Health Cooperative for $294 per month. This saves the family $1,206 per month or $14,472 per year. The plan has a combined deductible of $4,000 and a maximum out of pocket cost of $10,200. Even if they had a large bill and met their maximum out of pocket cost they would still save $4,272! They can’t lose! In addition the IRS allows a family to contribute up to $5,800/yr into a tax deductible Health Savings Account. Even after making the maximum contribution to their Health Savings Account they still have $8.672 in savings.

The first and biggest misconception to overcome is that a Health Savings Account or HSA is not a Flexible Sending Account or FSA. Many people have had a FSA though their employer and have lost money with them. That’s because a Flexible Spending Account or FSA is a use it or lose it account. Any money left in your account at the end of the year is forfeited. With a Health Savings Acccount or HSA the money in your account does not go away at the end of the year. It continues to grow with interest and you can use the money in your account to pay for any eligible medical, dental, vision, ortodontic, or prescription expense with tax free dollars. That’s because money contributed to the Health Savings Account or HSA is tax deductible up to $5,800 per family (2 or more members) or up to $2,900 for an individual per year. 0Fidelity estimates that a couple will spend $180,000 over their life time on Medicare for co pays, deductibles for medical, dental, vision, and prescription expenses.

An HSA plan may not be the right plan for you see my website for information and quotes on other options in Washington.
For more information please visit www.rlmassoc.com

Puyallup Dentists – Signature Smiles joins Kieranslist.com

See Our Kieranslist.com Profile Here

General Info
Office Hours – Monday – Friday 8 am – 5 pm

Contact Information

Phone #: 253-848-3723
Fax#: 253-449-0586
Email: signaturesmiles@mac.com

The First Appointment

It all starts with the initial contact. We’ll send you a packet of information for new patients, including a map to our office as well as the new patient paperwork that will need to be filled out. For general dental patients, at your first appointment, we’ll give you the most thorough dental examination that you have ever had. First, you will meet with the doctor to discuss your goals and what you are hoping to achieve. After this discussion, appropriate radiographs and photographs will be taken. Then Dr. Johns will conduct a thorough head and neck examination, a detailed examination of the teeth, soft tissue, supporting structure alignment, bite and more. All the information that we obtain will be carefully evaluated so that we may accurately assess your dental needs.

If you are only interested in cosmetic dentistry, we offer a cosmetic consultation to all of our patients. During the consultation we will take preliminary photographs and we will discuss your cosmetic options for creating the smile you have always wanted.

Preventive Oral Hygiene Appointment

After your examination, you will be ready for your next appointment, the preventive oral hygiene session. At this time, you will have access to the latest theories and techniques for controlling dental diseases such as gingivitis and periodontal disease. Specific approaches will be recommended for your individual needs. Your teeth will also be cleaned by our licensed hygienists, professionals dedicated to your receiving maximum longevity from your natural dentition. We consider this session to be one of the most valuable services we offer to our patients.

Dental Evaluation and Treatment Plan

After your preventative appointment, we will explain your dental evaluation and treatment plan. Immediate needs as well as long term objectives will be based on the goal of your receiving maximum life for your natural teeth.

Financial Arrangements

Payment is expected at the time services are performed. We accept cash, checks, Visa, Master Card, Discover and American Express. When extensive dental care is necessary or when dental insurance is involved, financial arrangements can be made with our Financial Coordinator. Please inquire about our financing plans. Our primary concern is you, the individual. Nonetheless, we will be sensitive to your financial circumstances within the framework of sound business practices.

A Note about Dental Insurance

Our Financial Coordinator will prepare all of the necessary forms for this important benefit. However, we remind you that your policy is an arrangement between you and your insurance company, not between your insurance company and our office. We can make no guarantee of any estimated coverage, but we will do our best to see that you receive your maximum benefits. Please keep in mind that you are responsible for your total obligation should your insurance benefits result in less coverage than anticipated. If you would like to know what your expected coverage will be, we will submit a pre-treatment estimate. Your insurer will generally send a detailed response within 4-6 weeks.

Cosmetic Dentistry and Insurance

Cosmetic procedures are generally not covered by most dental insurance policies; however, partial benefits are often available if the teeth are broken or have previous dental fillings, bonding, or crowns that are failing.

 

Puyallup Dentists – Signature Smiles Launches New Bizport Website

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Signature Smiles
Welcome to Your New Dental Family

If you appreciate high quality dentistry in a relaxed environment, rendered by a pleasant, efficient staff; then you are going to be pleased with your dental experience with us. It is difficult to mass produce a quality human experience, and for this reason we treat each patient as a unique individual and cater to their individual needs. We strive to provide the highest quality dentistry to our dental family.
Our practice goals are as follows

The prime purpose of our practice is to help you and all our patient keep their natural teeth for life.

We believe in developing enjoyable family relationships with our patients based on sharing information honestly on all oral conditions, and development of treatment that is in your best interest. We believe you should be completely informed of your choices so that you can make a choice that best suits you.

Excellence and dedication to detail is the hallmark of our practice. We work on one patient at a time, so your appointment time is reserved with either the doctor or the hygienist.

We strongly believe in developing an achievable plan of prevention and correction prior to starting treatment.

We are confident that you will be happy with our personal approach with our patients. It is simple, honest, and direct; and it is less costly in the long run because with good planning we know where we are going before we begin.

Puyallup Coupons – Great Coupon at Roundtable Pizza in Puyallup

Roundtable Pizza has some EXCELLENT coupons for your use.
Just CLICK HERE >>>>> Roundtable Coupons at Kieranslist.com

See the Kieranslist.com Coupons

Puyallup Mortgage – Carman Vo @ Prime Lending Joins Kieranslist.com

Visit My Kieranslist.com Profile Page Here

Having the right mortgage professional to assist you when you finance a home can be crucial. It can save you time, money, and unnecessary stress. With all the choices for home loans today, it’s essential to find someone you can count on to guide you smoothly through the loan process.

It is my job to assist you in finding the best loan. A professional Mortgage Banker will explain all of your options, and will guide you through all the paperwork involved. As your trusted advisor, you can expect the following from me …

Integrity: I have earned the privilege of working exclusively by referral with Real Estate professionals, family, and friends by keeping the promises I make. My primary objective is to always keep your best interest at heart.

Excellence: My minimum standard is to stay above the cutting edge of the real estate industry, while staying committed to making your home buying experience enjoyable.

Personalized Service: I provide personal service that offers a wide variety of programs and resources to meet your diverse needs. My passion for consulting builds relationships long after the transaction closes.

Past customers have told me they appreciate my honesty, energy, and attention to detail. This is because I sincerely value my relationship with every customer, and appreciate their trust when I promise to find the best loan program available for them.

I believe that when I help people finance a home, I’m also helping them become part of the community. Call me any time – It would be a pleasure to work with you.

Carman Vo
PrimeLending
A PlainsCapital Company
110 E Stewart Ave #A
Puyallup, WA 98372
Main: 253.286.4400
Cell: 425.879.6855
Fax: 253.286.4500
cvo@primelending.com

Puyallup Insurance – Carman Vo @ Prime Lending Joins Kieranslist.com

Visit My Kieranslist.com Profile Page Here

Having the right mortgage professional to assist you when you finance a home can be crucial. It can save you time, money, and unnecessary stress. With all the choices for home loans today, it’s essential to find someone you can count on to guide you smoothly through the loan process.

It is my job to assist you in finding the best loan. A professional Mortgage Banker will explain all of your options, and will guide you through all the paperwork involved. As your trusted advisor, you can expect the following from me …

Integrity: I have earned the privilege of working exclusively by referral with Real Estate professionals, family, and friends by keeping the promises I make. My primary objective is to always keep your best interest at heart.

Excellence: My minimum standard is to stay above the cutting edge of the real estate industry, while staying committed to making your home buying experience enjoyable.

Personalized Service: I provide personal service that offers a wide variety of programs and resources to meet your diverse needs. My passion for consulting builds relationships long after the transaction closes.

Past customers have told me they appreciate my honesty, energy, and attention to detail. This is because I sincerely value my relationship with every customer, and appreciate their trust when I promise to find the best loan program available for them.

I believe that when I help people finance a home, I’m also helping them become part of the community. Call me any time – It would be a pleasure to work with you.

Carman Vo
PrimeLending
A PlainsCapital Company
110 E Stewart Ave #A
Puyallup, WA 98372
Main: 253.286.4400
Cell: 425.879.6855
Fax: 253.286.4500
cvo@primelending.com

Multiprofit, Inc Launches New Bizport Website

See Our New Bizport Website Here

Mangosteen Juice
After harvest, mangosteen fruit undergoes a proprietary process that washes and softens the rind; at the same time, pre-ship mangosteen samples are tested and approved before the harvest is accepted and prepared for the production process. Fruit that meets strict quality guidelines is then submitted to a three-stage purée process to preserve flavor and nutritional integrity, and create the Queen of mangosteen juices from the Queen of Fruits. To meet impressive demand and secure a fresh final product, XanGo® Juice is formulated and manufactured daily.

Mangosteen Juice Supplement Standards

The premium standard of XanGo’s mangosteen juice supplement is guaranteed through a number of quality controls, including:

Definition and analysis of every processing step.
HACCP system to find and keep quality in every part of the process.
Implementation of CGMP (Current Good Manufacturing Practices).
FDA and USDA audits.
Hundreds of quality control tests, checks, balances, controls and processes—from orchard to order.
ISO certification of WILD Flavors, a partner in the formulation of XanGo’s premium mangosteen juice supplement—XanGo Juice.
XanGo’s Mangosteen Juice Supplement

When XanGo Juice arrives at its destination, every consumer is guaranteed the same incredible experience—unmatched flavor and premium nutritional support. The final product boasts:

The nutritional attributes of the whole mangosteen fruit. In fact, our mangosteen juice supplement is the only product on the market that utilizes the entire mangosteen fruit.
A category-creating, market-leading, premium dietary supplement.
A flavorful experience unlike any other.
The harnessed power of xanthones—one of the mangosteen’s powerful, biologically active components.
Decades of promising research and continuing health revelations.
A supplement that is safe for everyone

Puyallup Gas Savings – Save $$ with Refirement Unlmited, Inc

See Our New Bizport Website

We Give You More Miles and Powerfully Reduce Emissions. Save money and the environment with us.

Our two unique products are at the leading edge of nanotechnology development for fuel and engine enhancement products. When used in conjunction with each other (in our engine and gas tank), these products will dramatically reduce emissions, extend engine life and give you more MPG.

Please go through the whole site and watch the videos and see why thousands of people around the world are enjoying the benefits of eeFuel® and eeLube®

Puyallup Insurance – Save thousands using a Health Savings Account with Robert L. May Insurance

Individuals and especially families can save thousands of dollars per year by using a Qualified High Deductible Health Policy in conjunction with a tax deductible Health Savings Account. The first and biggest misconception to overcome is that a Health Savings Account or HSA is not a Flexible Sending Account or FSA. Many people have had a FSA though their employer and have lost money with them. That’s because a Flexible Spending Account or FSA is a “use it or lose it” account. Any money left in your account at the end of the year is forfeited. With a Health Savings Acccount or HSA the money in your account does not go away at the end of the year. It continues to grow with interest and you can use the money in your account to pay for any eligible medical, dental, vision, orthodontic, or prescription expense with tax free dollars. That’s because money contributed to the Health Savings Account or HSA is tax deductible up to $5,800 per family (2 or more members) or up to $2,900 for an individual per year.
Two recents families come to mind. One self employed family was paying $1,400 per month for their health insurance. It was a family of four with no medical conditions and they were not going to have any more children. I recommeded a HSA health insurance policy with Regence BlueShield with a premium of $344/mo. and a combined family deductible of $5,000. The family saved $1,056 per month. Now they can open up a tax deductible Health Savings Account and make a tax deductible contribution of $5,800. The $5,000 deductible is combined for the whole family of 4 and the maximum out of pocket for this plan is $10,000 which is less than their annual savings of $12,672! The family can build up their HSA by contributing $5,800/yr to help pay for any expenses now or over their lifetime while they are on Medicare. Fidelity estimates that a couple will spend $180,000 over their lifetime after age 65 on Medicare for co pays and deductibles for medical, dental, vision, and prescription expenses. The family still has an extra $6,867 or $572.66/mo left over after the premium and the contribution to their Health Savings Account to put toward a retirement plan.

The other family had a plan with Costco and they were in a similar situation paying $1,500 per month. I recommended a HSA policy with Group Health Cooperative for $277 for the entire family of four. That’s a savings of $1,223 per month!. An HSA plan may not be the right plan for you, see my website for information and quotes on other options in Washington. For more information please visit www.rlmassoc.com

Puyallup Physical Therapy – Rainier Family Physical Therapy, first-time business owners doing well

See Our Website Here

First time’s a charm for dynamic South Hill duo
Rainier Family Physical Therapy, first-time business owners doing well
Neil Pierson
Published: December 4th, 2008 01:23 PM
From The Puyallup Herald

For Kim Bisson and Susan Jankelson, success began over a cup of coffee.

The physical therapists had been working together at a large Puyallup office when they sat down for coffee in February 2007. That simple meeting helped them discover some common interests and goals for how they wanted their careers to evolve.

“I’ve always wanted to do a small business and my husband and I had looked into other opportunities,” Bisson said. “I didn’t want to do it on my own and I didn’t want to do it full time.”

“Unbeknownst to us we were both looking for entrepreneurial things we could do, besides what we were doing,” Jankelson said. “We knew that alone we wouldn’t be able to do a physical therapy clinic, but together we probably could.”

They began to research small-business opportunities in the South Hill area, first and foremost answering the question of whether it could sustain another physical therapy center.

“We knew there was not going to be a problem supporting this,” Bisson said, noting that the Sunrise, Silver Creek and Gem Heights housing developments were all close to their location of choice at 18710 Meridian Ave. E.

Rainier Family Physical Therapy opened in May and celebrated its six-month anniversary last week. The business has been a rousing success, Bisson and Jankelson said, because former patients have followed them there and helped draw in new clientele.

Success has come so quickly, in fact, that they’ve reached 86 percent capacity and are now looking for another full-time clinician.

“I think people really like the atmosphere we’ve created here as a family place to go,” Jankelson said. “We put (family) in our name for a reason. We really do want to be the family physical therapy place.”

Rainier even installed a Nintendo Wii system a few weeks ago, an idea the owners saw in Today in PT magazine. Wii features a number of interactive games that Rainier has used to help patients with balance and stability.

“We can’t take credit for it,” Bisson said. “But it worked out really great. People love it.”

Bisson and Jankelson have been busy marketing the clinic over the past six months, not only through doctors’ offices but through word of mouth in the community. They believe their services will speak for themselves and turn people into long-term clients.

Rainier’s treatment focus includes any musculoskeletal injury, from general backaches and headaches to sprained ankles and strained shoulders. Bisson and Jankelson have seen a variety of injury causes, from sports and motor vehicle accidents to work-related mishaps.

Ironically, Jankelson almost didn’t become a physical therapist. Her first advanced degree is in elementary education, but decided after a few years of teaching that she wanted to do something else.

She enrolled at Pacific University in Oregon in 1997 to work on her physical therapy degree, spending three years apart from her husband. She then worked at two clinics before co-founding Rainier.

The time spent on establishing their business has reminded the owners of a reason why they teamed up in the first place — family. Both women are mothers of young children and enjoy spending time at home, which is why they rarely work more than 24 hours a week.

“When we decided to open this clinic neither of us wanted to give up our part-time status,” Jankelson said. “We didn’t want to mess with that work-family balance.”

“Our biggest thing is being able to maintain a balance between work and home,” Bisson added, “and not have the business of physical therapy be our life.”

Their less-is-more approach has translated to astonishing growth that even they would’ve been hard-pressed to forecast.

“We are at least six months ahead of schedule of where we thought we’d be,” Bisson said.

Reach Reporter Neil Pierson at 253-841-2481 ext. 313 or by e-mail at neil.pierson@puyallupherald.com