Treating bites and stings

Treating bites and stings

From  American Academy of Dermatology

Treating bites and stings

Usually, you can take care of your bites and stings at home with your parents’ help. Here’s what to do:

how-to-relieve-mosquito-bitesMosquitoes, fleas and other small bugs

    • Wash the bite with soap and water.
    • Use calamine (rhymes with “pal–of–mine”) lotion or another cream that will help you stop the itch.
    • Don’t scratch the bites, even though that’s hard because they itch a lot!
    • Put ice on a swollen bite.


  • See a doctor if your bite looks worse or you just can’t stop scratching. Talk to your mom, dad, or another adult about it.

Bees and wasps

    • Tell a grown-up right away that you’ve been stung.BEE10
    • Take out the stinger if it’s still in your skin – ask a grown-up for help.
    • Gently wash the sting with soap and water. You might have to do this a few times a day.
    • Put an icepack on the sting.
    • Apply a paste made with baking soda and water. Baking soda is something people cook with, but it also can make stings feel a lot better. Ask an adult to help you do this.
    • Ask your mom or dad if you can take some pain medicine.
  • Use some lotion or cream to stop the itch if it’s bothering you.

Sometimes, stings can be dangerous. To learn if you might have an allergic reaction to the sting, visit Reactions to bites and stings.


Wash the bite with soap and water.Most spider bites can be treated by a grown-up.

  • Put on an ice pack to make it less puffy.

If you think a black widow or brown recluse spider bit you, tell a grown-up right away. You might need to see a doctor and go to the hospital.


  • Don’t pull off a tick if you find one on your skin, but tell your mom, dad or another adult right away.
  • An adult should grab the tick with a tweezers close to your skin and pull straight up to remove the tick.


    Treating Bites and Stings

  • Carefully look over the rest of your body. With your parents’ help, check all over, including behind the ears, to be sure there are no other ticks.
  • Never squeeze or crush a tick, because that can cause more venom to enter your body.
  • Save the tick in a jar of alcohol in case your doctor wants to see it later. The doctor might be able to tell you if this is the kind of tick that can cause Lyme disease, which can feel like the flu. To learn more, visit Reactions to bites and stings.
Snow and Wellness

Snow and Wellness


Oh no its snowing!! For the lucky ones not going into work or school today you are likely hunkering down waiting for the 18 inch NY blizzard to pass.  Unlike hibernating Bears, Mother Nature does not give you the gift of slowing down your metabolism.

How can snow and wellness go together? How to to prevent cabin fever and weight gain?

1  Water sport in winter. Water guns can be a fun winter activity in the snow as well. Simply mix some kool-aid or food coloring with some water and fill the guns with the liquid dye. Spray the snow with the water guns to create pictures and words. This is a fun project for multiple people, and it will prove that water guns are fun all year round.

2. Work out in front of TV.  Just 15 minutes of sit-ups, jumping jacks, push-ups and squats can burn 200 calories.

3. Play video games.  No not the sedentary kind you’re thinking.  Hit the Wii or X-Box Kinect virtual motion games that get you going such as Dance Revolution, Kinect Sport, Punch Out, and Wii Fit Plus.

4. Vitameatavegamin.  Lucy Ricardo was onto something, using foods and vitamins play a role in mood.

  • Boost Vitamin D, the “sunshine vitamin”,  with light therapy, 20-30 min of sunshine 3 -5 days a week or daily Vitamin D supplements.
  • Animal Protein – increasing depression fighting tryptophans found in lean meats such as poultry, eggs and wild seafood.
  • Selenium –  low levels of selenium are also associated with an increased risk of depression. Serve Brazil Nuts at the next Football party.

5.  Altruism –  Volunteer for Meals for WheelsYes helping others chemically changes neurotransmitters associated with positive feelings, decreasing anxiety and worry, and making people feel stronger and more energetic.

6. Fun Recipe from

Snow Ice Cream

1 cup milk
1 egg, well beaten
3/4 cup sugar
1/4 tsp. salt
clean snow
Beat egg; add milk, sugar and salt. Mix together well. Add enough snow to make it thick.

Shorter, darker days can cause winter blues but evidentially snow and ice cream bring smiles. Now if I can only  get up to doing push-ups to Downtown Abbey.

Top 10 Holiday Stress Free Tips

Top 10 Holiday Stress Free Tips

Holiday Meal

Top 10 Holiday Stress Free Tips

Surviving the holidays with one’s waistline, bank account and sanity intact can be challenging for everyone, but the season affords specific pitfalls—and opportunities—for those who are mindful of staying  physically and mentally healthy throughout the season and beyond.—try these tips:

1. Protecting Big-Ticket Items: Big-ticket electronics, such as televisions, computers and gaming consoles, are at the top of many holiday wish lists but who can afford to break the bank?  How about a Discount Dental PPO/Vision Card for less than $10? With eroding benefits you would be amazed how many loved ones need coverage!

2. Never arrive to your social function feeling overly hungry. Avoid skipping meals or snacks to save up your calories- this will encourage over eating. Have a snack ahead of time to take off the edge such as goodness knows snack squares- a four-square serving has 150 calories and is made from slow-roasted whole almonds, fruits, toasted oats and extraordinary deep chocolate. They come in three delicious flavors: Nutty Apple, Very Cranberry and Peachy Cherry.

3. Take care of yourself. Be active and eat well – these help maintain a healthy body. Physical and mental health are closely linked; it’s easier to feel good about life if your body feels good. You don’t have to go to the gym to exercise – gardening, vacuuming, dancing and bushwalking all count. Combine physical activity with a balanced diet to nourish your body and mind and keep you feeling good, inside and out.

4. Deal with stress. Be aware of what triggers your stress and how you react. You may be able to avoid some of the triggers and learn to prepare for or manage others. Stress is a part of life and affects people in different ways. It only becomes a problem when it makes you feel uncomfortable or distressed. A balanced lifestyle can help you manage stress better. If you have trouble winding down, you may find that relaxation breathing, yoga or meditation can help.

5. Incorporate daily, moderate, physical activity. Even doing 2 -15 minute walks each day can make a difference. This is especially easy to do when holiday shopping! If you can’t get to a gym, try wearing a pedometer and increase your steps each day- (10,000 steps/day = 5 miles)

6. Watch the Liquid Calories: A martini contains about 275 calories, and 1 glass of wine has about 130 calories. Also watch out for all of the calories you might consume while you drink. Try substituting with a glass of sparkling water in between alcoholic beverages. Moderation for men is no more than 2 drinks per day and no more than 1 drink per day for women (wine: 5 oz, beer: 12 oz, liquor: 1.5 oz)

7. Plan ahead! It’s no so much of a lack of will power but a lack of preplanning. A great quote related to this is “failure to plan is planning to fail.” Think ahead and set realistic daily goals for yourself. Start thinking about making healthy food choices before you even walk into the party.

8. Portions, Portions, Portions– practice portion control: enjoy your favorite holiday foods but be mindful of your portions. Try eating slower or using smaller plates. Fill up ½ your plate with lower calorie items such as raw veggies or shrimp cocktail.

9.  Office Parties, leave the work talk in the office This is a chance to let your hair down, to meet coworkers’ spouses and significant others and children. Make the rounds and mingle with as many different people as you can. And whatever you do, don’t be that guy who brings up work stuff. No matter how fun your light-up Frosty tie is, you will be hated for this. Sales numbers and conference calls and brainstorming sessions can wait. People have lives outside of the office. You should too. Or you should fake it.

10. Rest and refresh. Get plenty of sleep. Go to bed at a regular time each day and practice good habits to get better sleepSleep restores both your mind and body. However, feelings of fatigue can still set in if you feel constantly rushed and overwhelmed when you are awake. Allow yourself some unfocussed time each day to refresh; for example, let your mind wander, daydream orsimply watch the clouds go by for a while. It’s OK to add ‘do nothing’ to your to-do list!

Do you have another healthy holiday eating tip we haven’t talked about yet?  If so, leave us a comment or a question.

Employee Wellness Boosts Productivity

Employee Wellness Boosts Productivity

 Employee Wellness Boosts Productivity

Companies in the Salt Lake City area know productivity is higher and health costs are lower when employees have ways to exercise and reduce stress during the work day, whether it is using a company gym, eating healthier in the cafeteria or taking regular breaks. A study to be published in Population Health Management says “presenteeism,” which means people coming to work with physical or emotional problems, reduces productivity. The Salt Lake Tribune (Utah)

Some of the most popular wellness services offered are providing resources and information at 76 percent, giving onsite seasonal fluvaccinations at 54 percent and hosting health fairs at 42 percent. Other wellness efforts include health and lifestyle coaching at 37 percent, health screening at 39 percent and smoking cessation programs at 34 percent.

Considering that obesity and other chronic health issues continue to impact the well-being of employees and an employer’s bottom line, more respondents on a national level are offering lower health care premiums for getting an annual health risk assessment and not using tobacco according to surveys.  The ROI on wellness is starting to pay – wellness plans pay for itself.


Wellness Section

Final Wellness Incentive Rule Released

Yoga improves health and reduces costs

Best Foods to Boost Immunity

For more information, you may review the final rules in their entirety.  For MMS Corp previous blogs on wellness, click here. we will keep you posted on future PPACA wellness program opportunities.  In the meantime, please visit  to view past blogs and Legislative Alerts at

Home Pop Up

The views expressed in this post do not necessarily reflect the official policy, position, or opinions of MMS Corp. This update is provided for informational purposes. Please consult with a licensed accountant or attorney regarding any legal and tax matters discussed herein.

Consider Supplements to Primary Medical Plans

Consider Supplements to Primary Medical Plans

digital contact

Consider Supplements to Primary Medical Plans

Most are familiar with the AFLAC duck when it comes to supplemental benefits to primary medical plans.  Today, primary medical plans are extremely valuable but in many cases the benefits paid cover only a fraction of the true cost of a major illness or injury. For instance, a person who suffers a severe heart attack can expect to experience a lengthy hospital stay, followed by a period of recuperation at home or in an extended care or rehabilitative facility. A primary medical plan will cover a significant portion of the hospital and physician costs, but the insured is likely to be responsible for some expenses. Depending on the terms of the plan, these expenses can be substantial.

Most Popular Benefits

The most in-demand voluntary benefits continue to be those that supplement core medical, life, or disability insurance coverage, according to surveys. These include dental, critical illness, specific illness, hospital supplemental, medical supplemental, disability buy-up, and supplemental life coverage. However, demographic trends are also contributing to growing interest in long-term care and financial planning products.

As more people are faced with their parents’ elder care needs, they begin to appreciate the cost of extended care and anticipate what their needs may be in a few years. And, many mid-career employees face the double crunch of saving for retirement at the same time they are financing college education for their children.

Perhaps reflecting the many demands on the time and money of today’s employees, 28 percent of participants in one survey said they wanted employers to provide a wider array of voluntary benefits. In addition, 30 percent of respondents said they were interested in having employer-provided access to financial planners to assist them in making decisions.

Furthermore, an individual experiencing a health crisis such as a heart attack can expect to be absent from work for some time. A disability plan usually replaces only 60 percent to 70 percent of wages, and not everyone has disability coverage. This disruption to an individual’s income stream, combined with the added medical expenses, can devastate a family’s financial well-being, and can even force tough decisions about treatment options.

The prospect of experiencing a severe health calamity is not as uncommon as one might think. According to a study by the National Heart Lung and Blood Institute, 1.1 million Americans have heart attacks each year.  And the American Cancer Society predicts more than 1.4 million new occurrences of cancer annually in the U.S., with men accounting for a slightly higher percentage than women.

Fortunately, insurance products are available that supplement a primary medical plan. Usually available to employees on a voluntary basis and at group rates, these products can fill gaps in traditional health insurance coverage such as the indirect costs of an illness or injury.  Surprisingly, the indirect costs can sometimes outweigh the direct cost of medical care.

The following provides an overview of the types and benefits of supplemental medical insurance products. Remember that different carriers may market similar products under various names, and that the specific benefits provided may vary.

Critical illness insurance usually pays a cash benefit upon diagnosis of a life-threatening disease or condition, such as cancer, heart attack, stroke, or the need for an organ transplant. The benefit can be used as the insured — or survivors — see fit. For instance, the benefit may be used to pay for health care from an out-of-network provider under the primary plan; experimental treatment not covered by the primary plan; indirect costs associated with medical treatment, such as transportation, lodging, and child care; as well as lost income.

Some carriers offer disease-specific insurance. The most well known among these products is cancer insurance. Depending on the way the policy works, specific disease insurance may pay a cash benefit upon diagnosis, and/or may provide coverage beyond the primary medical plan for treatments associated with the disease, such as radiation and chemotherapy in the case of cancer insurance. Some cancer insurance carriers provide disease management services through a health care professional with expertise in oncology.

Catastrophe medical insurance provides coverage that kicks in after the primary medical plan has run out. Although many primary medical plans have high lifetime limits, some do not. This is especially true of  those purchased with economy of premium in mind. Catastrophe plans carry a high deductible, but typically all medical expenses paid both by the insured and the insured’s primary plan count toward the deductible. In light of  the high cost of health care, a low-limit primary plan can be easily exhausted.  Consider the medical costs associated with a premature baby or the trauma of a major automobile accident. Catastrophe insurance provides much needed benefits for all of these types of occurrences.

Hospital indemnity insurance supplements the primary medical plan if an illness or injury requires a hospital stay. Depending on the policy terms, benefits may be paid for specified hospital procedures or on a cash per diem basis.

With today’s skyrocketing costs of medical care prompting employers to study how health insurance is offered to employees, voluntary supplemental medical coverage may be an appropriate offering for your workplace. Adding supplemental medical coverage to an umbrella of voluntary benefit offerings can bring value as well as flexibility to your employee benefit package. Remember that coverages vary by carrier, and by state.  Speak with your insurance agent to learn which supplemental insurance products provide the coverages that best suit your needs.

For more information on how a work-site supplemental package would help you and your company please  contact us at (855)667-4621 today.