Dehncke Planning

Dehncke Planning Licensed insurance agent for over 20 years. Specializing in Medicare, Individual Health, Annuities

Our names are Bob & Jessie Dehncke and between us, we have over 25 years of experience in the insurance world. We specialize in Health Insurance, Medicare Health & Prescription Plans, MNSure (Individual & Family Health Plans) on/off exchange, Dental & Vision Plans, Short Term Medical, Travel Insurance, Life Insurance and Funeral Preplanning. We currently represent the top insurance carriers in the

area and we serve all areas of Minnesota. Having multiple carriers give you and your family more options and better solutions to meet your needs. We will work with you to provide a high-quality experience that begins with selecting the plan that best suits your situation and continue to serve you over the years as your needs may change. We have assisted thousands of clients with their insurance needs.

08/14/2024

“People do not decide their future, people decide their habits and their habits decide their futures”

-F.M. Alexander

Cheers and Happy 4th of July to everyone!  Heading home from Alaska - what a special place. If you haven’t visited, put ...
07/04/2024

Cheers and Happy 4th of July to everyone! Heading home from Alaska - what a special place. If you haven’t visited, put on your bucket list; it is absolutely beautiful.

Special thank you to our service men and women who have helped keep us Independent and safe. For Bless - be safe!!

Exercise Tips for SummerLooking to spend some time outside as it warms up and exercise at the same time? Follow these ex...
07/18/2023

Exercise Tips for Summer
Looking to spend some time outside as it warms up and exercise at the same time? Follow these exercise tips for summer to make your workouts more enjoyable and safer.

Summer is one of the most ideal times of year to exercise outside. The days are longer and the weather is warmer. Whether you’re gardening, hiking, swimming, or doing more traditional workouts like going for a run or bike ride, getting in a little workout in the great outdoors is a fantastic way to enjoy the summer weather. But reaching your fitness goals won’t mean a whole lot if you hurt yourself, which is why you should learn how to exercise in the summer safely. That’s something we can help you with!

Hydrate, Hydrate, Hydrate
Exercising any time of year can result in dehydration. If you’re working hard, you’ll likely be building up a sweat, and that liquid has to come from somewhere. Hydration is critical to our health. When you combine dehydrating factors like exercise and the summer heat, it can quickly become dangerous. This is why you need to watch for signs of dehydration while you’re exercising, like thirst, headaches, cramps, or dry skin. Drinking water is a great hydration solution, and you can even try sports drinks that replenish electrolytes. Just try to avoid too much excess sugar.

You should be hydrating before, during, and after your workout to avoid dehydration.

Keeping up with your hydration is equally important to both prevent dehydration and fix it. It’s estimated the average person needs between 11 and 16 cups of water per day. You may need more if you’re exercising. For this reason, you should be hydrating before you exercise to make sure you’re not dehydrated prior to working out. You should then hydrate during your exercise, so you don’t become dehydrated. It can also help to cool you down. Finally, you should hydrate after your workout during recovery. This can replenish hydration you lost and help your body to rebound from the exertion.

Pick Prime Times to Workout
When you have to contend with the heat and sun of summer, it’s more important that you time your exercise correctly than at other times of the year. You can limit the risks by exercising when the heat and sun aren’t at their highest. For most areas of the United States, this is before 10 AM or after 4 PM.

Using the two safety time windows, the best times to workout are between 6:30 AM and 10 AM and 4 PM and 7:30 PM.

You probably don’t want to exercise when it’s dark enough to limit visibility either, especially if you’ll be jogging near a road. Using rough averages, this means you’ll want to start your exercise after 6:30 AM and before 7:30 PM. If you are going to exercise around or after sunset, make sure you’re wearing reflective or visibility gear so others can see you as it gets darker.

Check the Weather
While you may not have to worry about the cold as much as you would in autumn, the weather can still be a hazard in the summer. In fact, it can be more dangerous, with severe thunderstorms being most common between May and August. The conditions can change quickly, too, and being caught in a sudden rainstorm can be miserable and even hazardous. Whether the weather is just rainy or thundering and windy, it’s advisable to avoid exercising outside.

Avoid exercising in temperatures over 98.6°F, especially if the humidity is above 70 percent.

Storms aren’t the only worry, though. For most of the United States, summer is generally the hottest time of year. While you can take precautions for safely running in high heat, it’s highly advisable to avoid temperatures over 98.6°F, especially if the humidity is above 70 percent. Beyond that, you risk dehydration and heat stroke.

Dress for the Weather
One way you can mitigate the heat is by dressing in summer-friendly exercise attire. You’ll want lightweight and breathable outfits. Cotton and linen clothes tend to be the best, though you won’t find many linen workout clothes. Instead, you can wear exercise clothes made specifically for hot weather, which can be sweat-wicking (fabric that doesn’t absorb sweat and draws it off your body) or especially light and breathable. You’ll also want to err on the side of lighter colors, since these reflect light rather than absorb it. This can keep your clothes cooler rather than holding on to heat like some darker clothes can. Loose-fitting clothes can also be a real help since they help fresh air circular around your body. This causes a cooling effect since heat doesn’t get trapped next to your body.

Even if you’ll only be out for a little while, it doesn’t hurt to apply some sunscreen to protect your skin.

Beyond the pants and shirts you wear, you can do more to help yourself when exercising in the heat. Sunscreen is a good idea anytime you’ll be out in the sun. Even if you’ll only be out for a little while, it doesn’t hurt to apply some to protect your skin. If you’re outside during the day, wearing some sort of hat to keep the sun off your face can help. The fabric may also absorb sweat from your forehead and keep it out of your eyes. A handy bandana can also work. Finally, a pair of sunglasses can also keep the bright sun from obscuring your vision and can protect your eyes from UV damage.

● ● ●

If you’re looking to get fitter this summer, there’s no better excuse to get outdoors. The same reasons summer is so nice to be outside can quickly make exercising outdoors turn into a risk. You can make your summer workouts safer, more successful, and much more enjoyable by following these tips.

Just like you, your health is one of a kind. What works for one person may not for another, so the information in these articles should not take the place of an expert opinion. Before making significant lifestyle or diet changes, please consult your primary care physician or nutritionist. Your doctor will know your own health best.

The Annual Enrollment Period is fast approaching.  If you have any questions or need help, please let me know
07/18/2023

The Annual Enrollment Period is fast approaching. If you have any questions or need help, please let me know

Dehncke Insurance Services will be closed starting at noon Friday May 26th & May 29th for Memorial Day, reopening for bu...
05/26/2023

Dehncke Insurance Services will be closed starting at noon Friday May 26th & May 29th for Memorial Day, reopening for business on Tuesday, May 30th at 9 a.m. Central Time.

The Center for Medicare and Medicaid Services (CMS) finalizes changes to Medicare Advantage star ratings, prior authoriz...
04/10/2023

The Center for Medicare and Medicaid Services (CMS) finalizes changes to Medicare Advantage star ratings, prior authorization reforms.

By Robert KingApr 5, 2023 04:20pm
Prior AuthorizationCenters for Medicare & Medicaid ServicesMedicare AdvantageCMS Star Ratings

A new final rule seeks to ensure Medicare Advantage enrollees' care is not disrupted due to prior authorization.

A new final rule installs new requirements for Medicare Advantage plans to require prior authorization, such as ensuring a transition period when a beneficiary switches plans.

The Centers for Medicare & Medicaid Services released the final 2024 MA and Part D rule that introduces key policy changes. In addition to prior authorization, the rule includes changes for star ratings as well as provider directory and marketing reforms.

“With this final rule, CMS is putting in place new safeguards that make it easier for people with Medicare to access the benefits and services they are entitled to,” said CMS Administrator Chiquita Brooks-LaSure in a statement.

One of the key changes applies to the prior authorization tool insurers use to require providers to get approval before offering a certain service or drug.

The rule includes new continuity of care requirements that says coordinated care plans can only use prior authorization “to confirm the presence of diagnoses or other medical criteria and/or ensure that an item or service is medically necessary,” according to a fact sheet.

“MA plans cannot add additional hoops to go through before an enrollee can access to care they are entitled to under Medicare,” said Center for Medicare Director Meena Seshmani during a call with reporters.

Coordinated care plans also have to offer a minimum 90-day transition period if an enrollee under treatment switches to a new MA plan. The new plan must not require prior authorization for the course of treatment.

CMS sought to address concerns surrounding what the term “course of treatment” meant in the proposed rule. The agency said that the rule requires approval of a prior authorization request for a course of treatment that must be valid for as long as it is medically necessary to ensure there is no disruption in care and is recommended by the beneficiary’s provider.

An MA plan must also make sure to follow any national or local coverage determinations. If there is no determination in place, then an MA plan can create its own coverage criteria but must stand up a committee to annually review such guidelines.

The rule is the latest effort by CMS to address prior authorization in MA. The agency also finalized a rule that requires plans to install electronic prior authorization by 2026.

In addition to the prior authorization requirements, the latest MA and Part D rule finalizes several steps to crack down on misleading marketing practices.

CMS has prohibited ads that don’t mention a specific plan name as well as any ads that could use “words and imagery that may confuse beneficiaries or use language or Medicare logos in a way that is misleading, confusing or misrepresents the plan,” the agency said.

The prohibition comes after some progressive lawmakers have introduced legislation to rename Medicare Advantage over concerns it could confuse seniors.

CMS also finalized new changes to strengthen plans’ role in monitoring agent and broker activity but did not finalize a proposal to change how brokers and agents share information with a third party.

“This is something we continue to explore,” said Seshmani without elaborating further.

The agency also finalized key changes to the star rating system, most notably the introduction of a health equity index in 2027 that will gauge how plans fare in improving social risk factors for beneficiaries.

11/02/2021

If you or someone you know is on Medicare, I will be posting some Q&A for general information

Question: Can my current 2021 Medicare Part D plan deny me coverage because of my high medication costs?

No. Medicare Part D prescription drug plans (PDP or MAPD) are “guaranteed issue” to all Medicare beneficiaries living within the plan’s service area. So, even if you have very high medication costs, a Medicare Part D plan cannot deny you coverage.

If you are looking for a place to save money on your prescriptions, please let me know.  Here are a few of this weeks pr...
10/11/2021

If you are looking for a place to save money on your prescriptions, please let me know. Here are a few of this weeks prices.

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