Photo: Courtesy Cherry
LETTER FROM THE PUBLISHER
Welcome to the December 2024 edition of Harmony Life Magazine.
Merry Christmas and Happy Holidays!
Harmony Community Church CHRISTMAS EVE SERVICE
December 24 at 5:00pm at the Harmony Community School
Dear Homeowners,
The Harmony HROA is looking for volunteers for a Harmony Social Committee. This committee would meet once a quarter to brainstorm ideas for Harmony events and manage other Harmony programs like Home of the Month.
Requirements are:
· Owner is current with HOA Dues
· No current open violations Email info@myhoasolution.com for the application
Many Thanks, Your Board of Directors
Rumor:
We are still hearing that a Mexican restaurant is coming after the new year to the clubhouse. Check back here or on the Harmony Residents FaceBook page for updates. Stay tuned.
Did you know that my wife, Jeanine Corcoran, puts out a weekly video and email for all the Harmony events? Send me your email address and I will add you to the list. You can always opt out at any time: Bill@QMCWorld.com
Harmony Life Magazine is produced by residents for residents. Please feel free to message me directly with content and pictures: Bill@QMCWorld.com
Remember to join the Facebook Harmony Residents Forum AND THE NEW, ADDITIONAL, HARMONY RESIDENTS FORUM, NO DRAMA.
See you in 2025!
Bill Bokunic, Publisher Bill@QMCWorld.com
CONTACT INFO FOR RESIDENTS
CDD HarmonyCDD.org, 407-566-1935 Dan, Jo, Lucas, Brittany or Julie @HarmonyCDD.org
SHERIFF, NON-EMERGENCY 407-348-2222
HROA Association Solutions, 811 Mabette St., Kissimmee 407-847-2280, www.MyHOASolution.com
CONDOS HOA Sentry Management, 407-846-6323
TOWNHOMES HOA Association Solutions, 811 Mabette St., Kissimmee 407-847-2280, www.MyHOASolution.com
DECEMBER 2024
A publication of Quantum Marketing Communications, LLC www.QMCWorld.com
PUBLISHER & CEO
Bill Bokunic 321.331.6398
Bill@QMCWorld.com
GRAPHIC DESIGN
Renée Blair
Blair Creative Group, Inc.
COVER PHOTOGRAPHY
Cherry Heck
CONTRIBUTORS
Jeanine Corcoran Corcoran Connect
Kerul Kassel PHD
First Nature Foundation
Kim Kirsch
National Marketing Director, Healthcare Solutions Team
The opinions expressed in the Harmony Life Magazine articles are those of the author(s) and do not reflect the opinions of Quantum Marketing Communications, Harmony Life Magazine or the Publisher.
Harmony Life Magazine, Quantum Marketing Communications, LLC and the Publisher can, in no way whatsoever, be held responsible for the content of such views, nor can it be held liable for any direct or indirect damage that may arise from such views.
All rights reserved. No part of any Quantum Marketing Communications, LLC published work may be reproduced, stored in a retrieval system, or transmitted in any form or by any means, electronic, mechanical, photocopying, recording, or otherwise, without written permission from the publisher.
3501 Pug Mill Rd. Kissimmee, FL 34741 OsceolaFL@advanceddisposal.com
OSCEOLA COUNTY Osceola.org “Citizen Action Center”
COUNTY COMMISSIONER ricky.booth@osceola.org
RICKY BOOTH
HEALTHCARE
By Kim Kirsch Healthcare Solutions Team
HEALTH INSURANCE FAQS
In the complex landscape of healthcare, navigating the intricacies of health insurance can be a daunting task for many people. As an independent health insurance brokerage, we understand the importance of providing clarity and guidance to empower you in making informed decisions about your health coverage. Let’s talk about the top five most frequently asked health insurance questions, unraveling the mysteries and shedding light on key aspects of health insurance.
Top 5 Most Frequently Asked Health Insurance Questions
1. Is It Absolutely Necessary to Have Health Insurance?
The simple answer? YES! Health insurance is not just a financial safety net; it is a critical component of ensuring your well-being and that of your loved ones. It provides a shield against the exorbitant costs of medical care, covering hospitalizations, surgeries, prescription medications, and preventive services. Moreover, having health insurance grants you access to a network of healthcare providers, ensuring prompt and comprehensive care when you need it the most.
One of the primary advantages of health insurance is its ability to mitigate the financial burden associated with unexpected medical expenses. Without adequate coverage, you could find yourself facing substantial bills that can jeopardize your financial stability. Health insurance is a proactive way to safeguard both your health and your finances.
2. What’s the Difference Between HMO and PPO Plans?
Understanding the distinctions between Health Maintenance Organization (HMO) and Preferred Provider Organization (PPO) plans is crucial when it comes to making an informed decision about your health coverage.
HMO plans typically require members to choose a primary care physician (PCP) and obtain referrals from the PCP to see specialists. These plans often have lower out-of-pocket costs but offer limited flexibility in choosing healthcare providers.
PPO plans provide greater flexibility by allowing members to see any healthcare provider without a referral. While PPO plans generally have higher premiums and out-of-pocket costs, they offer a broader network of providers and greater freedom in seeking medical care.
Choosing between an HMO and a PPO depends on your preferences for flexibility, the availability of preferred healthcare providers, and your willingness to coordinate care through a primary care physician.
3. Can I Get Health Insurance Even If I Have Pre-Existing Conditions?
Absolutely! Health insurance companies providing ACA-compliant plans are actually prohibited from discriminating based on pre-existing conditions. And even if you’re shopping privately, there are plenty of options comprehensive and affordable health insurance coverage. So, whether you have a chronic illness or a complicated medical history, rest assured that you can very likely find a suitable insurance plan that meets your needs.
4.
What is the Role of Preventative Care When it Comes to Health Insurance?
Preventive care plays a pivotal role in health insurance by focusing on early detection and intervention to prevent the progression of diseases and promote overall well-being. Most health insurance plans cover a range of preventive services, including vaccinations, screenings, and wellness exams, without requiring cost-sharing such as copayments or deductibles.
Engaging in preventive care not only contributes to maintaining good health but also helps identify potential health concerns at an early stage when they are more manageable and less expensive to treat. By prioritizing preventive measures, individuals can take proactive steps to enhance their health and avoid the need for more extensive and costly medical interventions in the future.
5. How Do I Choose the Right Health Insurance Plan?
Choosing the right health insurance plan requires a thoughtful assessment of your unique needs and circumstances. Start by evaluating your current health status, considering any existing medical conditions, and anticipating potential healthcare needs in the coming year. Then, carefully review the coverage options available, paying attention to factors such as premiums, deductibles, copayments, and coverage limits.
If all of this sounds overwhelming, that’s okay. Health insurance can be. That’s why it can be so helpful to work with an independent health insurance broker, like Healthcare Solutions Team. We’re here to help you get an insurance plan that perfectly aligns with your health and budget. We can take all of the hassle and stress off your plate by evaluating your unique needs, looking through all of the different products and carriers, and presenting you with the best, most affordable health insurance quotes. And our services are always free.
To speak with an expert on our team and get a free assessment, contact us today. n
FLOORING
KITCHEN & BATH REMODELS: We transform kitchens and bathrooms into beautiful, stylish spaces that enhance both form and function to meet the unique needs of each homeowner.
HARMONY, FLORIDA: LIVING WITH NATURE IN A NEW TOWN
By Harmony's Own, Anthony James Catanese
We know that Harmony is a very special place. This book tells how it was done. It started with a vision supported by science on how important regular interaction with nature and animals is to human health. This led to creating a new community whereby these interactions were incorporated at the very beginning of the development. It is intended for people who want to learn and take action. We can achieve greatness and conservation through proper development of our land. This is how to do it.
QUICK REFERENCE DIRECTORY
ADVERTISING & MAGAZINES
Harmony Life
Bill Bokunic
321-331-6398
Bill@QMCWorld.com www.QMCWorld.com
AIR-CONDITION SERVICES
Access Air
Eric Farnsworth
*Harmony Resident* 407-921-0760 ELFarnsworth@live.com
AUTO DEALER
Kisselback Ford 1118 13th Street St. Cloud 407-892-2141 www.KisselbackFord.com
CHURCH
Harmony Community Church
Meeting 10am Sundays at Harmony Community School (844) 444-FBCH www.HarmonyCommunity.church
CHIROPRACTOR
Living Well Chiropractic
*Harmony Resident* 4041 13th St. St. Cloud 34768 407-957-1337 www.LivingWellCFL.com
GARAGE DOORS & OPENERS
D.S.I.
Sales / Service / Repairs 407-970-5847
dsigaragedoor@yahoo.com www.dsigaragedoorandopener.com
GOLF CLUB
Royal St. Cloud Golf Links 5310 Michigan Ave. St. Cloud, FL 34769 407-891-7010
GRAPHIC DESIGN SERVICES
Blair Creative Group, Inc.
Renée Blair
Lake Nona 321-972-3669 www.BlairCG.com
HOSPITAL
Orlando Health
St. Cloud Hospital 2906 17th St., St. Cloud 407-892-2135 www.OrlandoHealth.com
INSURANCE
Brightway Insurance, The Sterner Agency 407-891-9361 www.BrightwaySterner.com
Gredy Insurance
Brady Evans
*Harmony Resident* 812-798-2199 brady@gredyinsurance.com
Healthcare Solutions Team Kim Kirsch 407-870-3462 kkirsch@myhst.com
Kisselback Insurance Agency
Ashely Evans 321-316-3360 1118 13th St. St. Cloud 34769
LAWN SERVICE
Champions Property Maintenance
*Harmony Resident* Joe Murray 407-766-5051 ChampionPropertyMaintenanceLLC@gmail.com
MORTGAGE LENDING
Northpoint Mortgage Mike Demarse 407-712-7303
mdemarse@northpoint.com www.MikeDemarse.com
MUSIC LESSONS
Harmony Performance
Arts Studio
Amber Lanning & Ellen Short Voice/Piano/Acting 682-936-9551
PAINTING & PRESSURE WASHING
AAA All Star Painting LLC. Commerical & Residential Licensed & Insured 407-908-5525
Performance Soft Wash LLC. Exterior House Cleaning & Paver Sealing 407-729-7567
PARK
Wild Florida
3301 Lake Cypress Rd. Kenansville 407-957-3135 www.WildFL.com
PET GROOMING
Rivera's Pet Luv Spa 407-556-3555 7264 S. Harmony Square Dr.
PHOTOGRAPHY
Abbey Evans Photography Weddings, Families, Newborns, Seniors www.abbeyevansphoto.com
PLUMBER
K&R Plumbing
24-Hour Emergency Services
407-979-1033
KRPlumbing2019@gmail.com www.KandRPlumbingLLC.com
REAL ESTATE
Corcoran Connect
*Harmony Resident* Jeanine Corcoran Owner/Broker Buy/Sell/Rent/Property Mgmt. 407-953-9118 www.CorcoranConnect.com
REMODELING
All Flooring USA & Cabinets 1021 N. Narcoosee Rd., St. Cloud Located Next to Domino's 407-593-9481 www.AllFlooringUSA.com
ROOFING
Hogan Roofing Corben Hogan 407-449-ROOF Office@HoganRoofs.com www.HoganRoofs.com/Refer
TRAVEL
Meisner Cruise and Travel
*Harmony Resident* 407-738-7088 • tvlwithlinda@gmail.com
Facebook: Harmony Get Aways With Meissner Travel
WATER SYSTEMS
Dependable Water Treatment 407-242-7150
WINE & SPIRITS
Levee Liquor & Gas
Now Delivering in Harmony! 718 13th St., St. Cloud 407-593-9605 www.LeveeLiquor.com
