Jose Lerma

About Jose Lerma

Jose has been a career agent working with Empower Brokerage since 2021 helping clients from all walks of life find tailored solutions for their healthcare needs. He is passionate about helping people fulfill their dreams and helping clients live a more empowered existence. 
A second opinion is a viable option that can confirm a diagnosis.
Seeking medical care and following a treatment plan is essential to maintaining good health, but sometimes we may feel unsure or uncomfortable with a diagnosis or treatment plan. In such cases, seeking a second medical opinion can provide valuable information and insight. These situations may require more specialized care or […]

Should You Get a Second Opinion?

 in Health / News  tagged getting a second opinion / medical second opinion / more than 1 doctor / seeing another doctor / tips for a second opinion / when to get a second opinion by
A full glass cheering to the benefits of water.
Water is essential for human survival, and it is vital to take a moment to learn about the benefits of water for our overall health and well-being. Water helps us maintain a healthy weight, keeps our body correctly functioning, and has many other benefits you might not know. There is […]

Benefits of Water

 in Health  tagged benefits of drinking water / do i need to drink more water / do i need to drink water / is drinking more water healthy for me / is water healthy / should i drink more water / what does drinking more water do / why drink water by
Resolutions you can keep that will not take away from your life. 1
The start of 2023 brings you an excellent opportunity to create New Year resolutions you can keep. Doing so will help you make the most of your new year. It’s no surprise that many people use this time to pledge their commitment to making healthy lifestyle changes to improve their well-being in […]

New Year Resolutions You Can Keep

 in Health  tagged exercise for the new year / less stress for the new year / new year new me / new year resolutions simplified / new year resolutions you can keep / new years resolution list / resolutions you can keep by
Cancer Screenings can provide early detection.
Cancer screenings are the last thing on our minds with the holiday season in full swing. Sleighs bells ringing, people singing, and all things being merry and bright, the last thing we want to consider is that awful C-word. But did you know that if more people received preventive screenings, then approximately […]

Cancer Screenings are Important

 in Health  tagged cancer and prevention / cancer screenings / importance of preventive cancer screens / importance of preventive screenings / importance of screenings / preventive cancer screenings by
Aca subsidies extended thumnail
In August of 2022, President Joe Biden signed the Inflation Reduction Act of 2022 into law. Within the act, there are many provisions, including energy, environmental, and tax provisions. The law has extended ACA subsidies for the next three years. The expanded premium tax credits were first introduced and enacted in […]

Extended ACA Subsidies in the IRA

 in Health / life / News  tagged extended aca subsidies / extension for aca subsidies / health insurance subsidies extended / inflation reduction act extends subsidies / inflation reduction act subsidies / subisides extended IRA by
subsidy expiration thumbnail
How will the subsidy expiration in 2023 affect you? During the recent Open Enrollment Period, a record-breaking 14.5 million people signed up for health insurance coverage through federal Marketplace and State-based Marketplaces. ARPA (American Rescue Plan Act) increased Affordable Care Act (ACA) premium subsidies and extended eligibility to all income brackets. Between […]

Subsidy Expiration in 2023

 in Health / News  tagged aca premium subsidy 2023 / aca subsidies / arpa subsidies / enhanced aca subsidy expiration / health aca premiums / increase in premiums / subsidies expiring in 2023 by
A fire's flames burn charcoal.
Temperature and the Body As the spring season comes to a close and a bright summer draws near, people anticipate spending time on vacation. We can all imagine the beach, the warm temperature, and longing for an ice-cold beverage. Whether it is relaxing in a nice sunny place or cooling […]

Temperature and the Body

 in Health  tagged body changes with temperature / body temperature and disease / body temperature and therapy / body transforms with temperature / temperature and the body / transformations with body temperature / what temperature changes does to the body by