All posts by imreal

Policyholders Can Save Money by Bundling Home and Car Insurance Policies


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“Many drivers resort to bundling when they need to save car insurance money. In many cases, policyholders can manage to save hundreds of dollars per year. However, bundling is not always the best option”, said Russell Rabichev, Marketing Director of Internet Marketing Company.

Compare-autoinsurance.org has launched a new blog post that explains how drivers can save car insurance money after bundling home insurance and car insurance.

For more info and free car insurance quotes, visit https://compare-autoinsurance.org/you-can-save-money-by-bundling-your-home-and-car-insurance-policies/

Bundling is a well-known method used to save car insurance money. Drivers that are bundling at least two insurance policies to the same provider will get a discount. Drivers that want to bundle their policies should contact their new insurers and explain their situations. Then they should cancel their current policies or wait for them to expire before signing a new deal.

Drivers that are bundling their home and car insurance policies should know the following:


  • Bundling can save money. Families can pay several thousand dollars per year on insurance products. In most cases, bundling can save between 5% to 15%. While some persons might believe that bundling can save as much as 50% of insurance costs, the reality is that bundling can save a lot less than that.
  • Other advantages of bundling. First, bundling can significantly reduce the risk of coverage gaps. Insurance providers know that their customers like to bundle, so they have built their policies to be interlocking. By doing so, the risk of coverage gaps is minimized. Secondly, bundling will reduce overlapping between policies. Thirdly, drivers can pay one monthly bill for both car and home insurance. And at last, bundling car and home insurance are convenient by having to deal with one insurance company, one insurance agent and one monthly bill.
  • Disadvantages of bundling. Bundling is not always the right option. In some cases, having separate policies is better. For example, some home insurance providers can offer a driver an insurance deal that is worth $1,100. The actual car insurance provider charges $1,600 on car insurance and they offer a home insurance deal that is worth $1,500. Furthermore, the actual provider can bundle these policies and make an offer that is $2,800. In this case, is better to have two separate policies.

For additional info, money-saving tips and free car insurance quotes, visit https://compare-autoinsurance.org/

Compare-autoinsurance.org is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc.

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ITI Names Mike Flavin VP of Strategic Account Development


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Mike Flavin named Vice President of strategic account development at Instructional Technologies Inc.

Developing and managing relationships with new and existing enterprise clients is essential for bringing added value to those customers

Instructional Technologies Inc. (ITI), providers of training solutions for the transportation industry, today announced that Mike Flavin is assuming the new role of VP of Strategic Account Development. The appointment is in support of ITI’s continued expansion of enterprise customers and custom development, as well as the recent introduction of On Ramp™, ITI’s Entry Level Driver Training (ELDT) curriculum.

“Developing and managing relationships with new and existing enterprise clients is essential for bringing added value to those customers,” Flavin said. “I look forward to overseeing account development initiatives and to developing a closer partnership with enterprise clients so together we can address challenges where training can improve outcomes.”

As VP of Strategic Account Development at ITI, Flavin will report directly into the Chief Business Development Officer, Marius Karoy. In his new role, he is also tasked with managing sales of ITI’s On Ramp ELDT online training, testing and recordkeeping system. On Ramp enables public and private CDL schools to more effectively meet new federal entry-level driver training standards that go into effect in February 2020.

“Mike Flavin has the perfect combination of vision, industry knowledge and training expertise to bring additional value to our enterprise account customers. As our National Sales Director for the past three and a half years he has become very familiar with our clients and how they implement training as well as the custom and advanced capabilities at which ITI excels,” said Karoy. “In addition, his past experience of more than 20 years in safety and training sales gives him a unique and valuable perspective on how technology can bring benefits to transportation businesses that rely on ITI for their training needs.”

About Instructional Technologies, Inc.

Founded in 1995 and based in Vancouver, Washington, Instructional Technologies Inc. (ITI) is the leading provider of online training to the transportation industry. The company’s commitment to training is based on the principles of mastery learning, accurate and automated record keeping, and up-to-date information that ensure personnel have been effectively trained and detailed records kept. ITI makes fleets and warehouses safer and more profitable through its PRO-TREAD® library of more than 150 standard training courses that blend engaging content with real-world, how-to scenarios, its On Ramp™ ELDT (Entry Level Driver Training), and its Sentix® platform that automates the day-to-day administration of an online training program in addition to integrating with transportation management and back office systems. Transportation and logistics companies choose ITI because of its automated learning management system, custom training capabilities, flexible lesson methodologies, and engaging 3D animations that improve retention, ensure subject matter mastery and lower the total cost of training. For more information, please visit http://www.instructiontech.net.

Media Contact:

Susan Fall

LaunchIt Public Relations

858-490-1050

susan@launchitpr.com

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Esteemed Trauma Expert to Head The Right Step Houston Addiction Treatment Center


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As we prepare to move to our new Houston facility, we are confident that DeLisa and her team will be instrumental in helping transform the lives of many clients in need of our care.

The Right Step names DeLisa Duncan Russell, LSW, LPC-S, as executive director of its Houston addiction treatment center. Russell has a long career working with complex addiction issues within the military, the religious community and in private practice. She is a Texas licensed social worker and licensed professional counselor – supervisor.

Russell has developed nationally recognized programs that have been used by all branches of the Department of Defense. She has partnered with legislative staff on the state and national levels to address veterans’ issues and has partnered with individual and corporate donors to raise over $3 million for veteran causes.

“With an extensive background in mental health and addiction treatment, DeLisa brings valuable skills and leadership to The Right Step Houston,” said Kirk Kureska, chief executive officer of Promises Behavioral Health. “As we prepare to move to our new Houston facility, we are confident that DeLisa and her team will be instrumental in helping transform the lives of many clients in need of our care.”

“I am excited to join such a talented team of behavioral health professionals,” said Russell. “I’m impressed by the high standard of evidence-based care that The Right Step Houston provides clients and their families, and I’m looking forward to changing even more lives through recovery.”

The Right Step Houston provides medical detox and inpatient and outpatient treatment for substance use disorders. A private, home-like setting offers clients a welcoming space to work on the underlying issues that fuel drug and alcohol abuse. Program offerings include individual, group and family therapy, traditional and alternative approaches, relapse-prevention training and aftercare planning. The Right Step Houston treatment team includes psychiatrists, therapists, nurses and other addiction professionals.

About Promises Behavioral Health

Promises Behavioral Health is a family of behavioral health programs with regional brands such as The Right Step, The Ranch, Promises and Clarity Way. The company currently operates 11 facilities across Arizona, Texas, Tennessee, Florida, Pennsylvania and Massachusetts. Promises offers comprehensive, innovative treatment for substance abuse, sexual addiction, trauma and other mental health disorders. Through its programs, the company is committed to delivering clinically sophisticated treatment that promotes permanent lifestyle change, not only for the patient but for the entire family network. For more information, visit http://www.PromisesBehavioralHealth.com.

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Overcoming Implementation Roadblocks with New Technologies and Approaches, Upcoming Webinar Hosted by Xtalks


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Xtalks Life Science Webinars

But, for various reasons — including the potential for change to jeopardize approvals — drug sponsors have been slow to adopt these innovative research methods, and the lag is costing the pharmaceutical industry huge amounts of both time and money.

Over the last decade, the drug development industry has realized the benefits of monitoring trial conduct, safety, data integrity, compliance and enrollment through improving risk-based monitoring (RBM) methods. As a result, we are seeing several recommended changes in our approach to research.

But, for various reasons — including the potential for change to jeopardize approvals — drug sponsors have been slow to adopt these innovative research methods, and the lag is costing the pharmaceutical industry huge amounts of both time and money.

Join Jonathan Andrus, Chief Business Officer at Clinical Ink in a live webinar on Wednesday, September 25, 2019 at 10am EDT (3pm BST/UK) to hear about adopting a comprehensive RBM strategy supported by today’s newest data integration and management technologies.

His discussion will also include:


  • The advantages of using eSource systems, including ePRO and eCOA, for capturing data directly from the patient
  • The impact of time and cost savings associated with direct data capture (DDC) including reducing site monitoring visit frequency and eliminating source document verification and review
  • The power of on-demand data and a complete audit trail in study planning, decision-making and regulatory submission


For more information or to register for this free event, visit Rerouting Your Risk-Based Monitoring Strategy: Overcoming Implementation Roadblocks with New Technologies and Approaches.

ABOUT XTALKS

Xtalks, powered by Honeycomb Worldwide Inc., is a leading provider of educational webinars to the global life science, food and medical device community. Every year thousands of industry practitioners (from life science, food and medical device companies, private & academic research institutions, healthcare centers, etc.) turn to Xtalks for access to quality content. Xtalks helps Life Science professionals stay current with industry developments, trends and regulations. Xtalks webinars also provide perspectives on key issues from top industry thought leaders and service providers.

To learn more about Xtalks visit http://xtalks.com

For information about hosting a webinar visit http://xtalks.com/why-host-a-webinar/

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Shoreline Biome Hires New CEO and VP of Business Development


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Shoreline Biome, a microbiome research company that develops tools for characterizing microbiome populations down to the strain level, has hired Bill McKenzie as its CEO and Karen Woodward as its VP of Business Development.

These two new hires are expected to help Shoreline Biome meet growing demand for its products and expand the company’s sales worldwide.

Prior to joining Shoreline Biome, Bill McKenzie was a managing partner at Upstart Life Science, a management consulting firm that partners with life science founders to help realize their dream of bringing transformative technologies to the world. McKenzie honed his business skills at Millipore and PerkinElmer where he held both mid-manager and executive level positions. While there, he launched a number of highly successful new businesses in the molecular diagnostics, life science research, and medical device markets and has designed and negotiated numerous partnerships and acquisitions. He has served on a number of life science company boards and is currently a board member at seqWell, a next-generation sequencing company in Beverly, Mass. McKenzie was a board member at WaferGen BioSystems, a genomics company in Freemont, Calif., and was instrumental in its merger with Takara Bio in 2017. He also served on the board at Quad Technologies, a cell separations company, headquartered in Woburn, Mass., and acquired by Bio-Techne in 2018.

Karen Woodward, Ph.D., developed and launched new genomic products in the microarray space at several life sciences companies, including Packard BioChip, PerkinElmer and GeneXP Biosciences. She led strategic business development and partnership efforts at several genomic services laboratories, including Beckman Coulter Genomics, Covance and Generation Health. Woodward was instrumental in multimillion-dollar sales that lead to the 2009 acquisition of Cogenics by Beckman Coulter in 2009, as well as the successful commercialization and launch of Covance Genomics services after the acquisition of Merck’s Rosetta operation in Seattle. Woodward served as VP of Strategic Operations and Account Management at Generation Health (acquired by CVS Caremark) and its spin-out, MetaDiagnostic. Prior to joining Shoreline Biome, Dr. Woodward was the Industry Liaison for Life Sciences at UConn Technology Commercialization Services. She received her Ph.D. in molecular genetics and microbiology from the University of Massachusetts Medical School, Graduate School of Biomedical Sciences, and her B.A. in biology from Clark University.

About Shoreline Biome

Characterizing the human microbiome and analyzing its role in human health and disease are priority goals for researchers around the world. Shoreline Biome accelerates breakthroughs in microbiome research by developing transformative discovery tools that characterize microbiome populations down to the strain level. With Shoreline Biome products, all it takes is three easy steps: lyse, purify, and amplify. Shoreline Biome’s easy-to-use companion analysis software and comprehensive reference database enables straightforward strain-level identification and quantitation of all bacteria in the sample. To learn more, visit shorelinebiome.com.

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UniVoIP Offers Three Months Free on Cloud-Based Phone and Contact Center Solutions for CUNA Credit Union Attendees


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“We are excited to give credit unions the ability to explore the unparalleled benefits that our unified communication solutions have on not only productivity, collaboration and mobility for staff members, but also the facilitation of the highest quality member engagement.” – Michael Bacich, UniVoIP

UniVoIP, one of the nation’s most preferred providers of Unified Communications as a Service (UCaaS) and Omni-Channel Contact Center Solutions for credit unions, is a proud sponsor of the 2019 CUNA Technology Council Conference. Held on September 11-14th at the Hilton Chicago, credit unions and other financial institution professionals are joining together to learn new technology strategies to innovate and connect within and across their business areas.

UniVoIP’s Executive Vice President of Sales, Michael Bacich and the UniVoIP team are sponsoring the Cloud Migration Journey: Credit Union Case Study breakout session on Friday, September 13th at 11:15am. Additionally, UniVoIP will be providing demonstrations of their cloud-based phone and contact center solutions for CUNA attendees at the UniVoIP table #21.

As a pioneering leader in UCaaS and Omni-Channel Contact Center Solutions for credit unions, CUNA attendees will be able to consult with UniVoIP’s expert team on navigating the increasingly tough requirements of today’s digital transformation era as it pertains to member experience. Focusing on multimedia contact center member engagement, application integration with core processing platforms like Fiserv, Symitar and Q2, as well as data security protocols meeting FFIEC standards and NCUA certification, CUNA attendees will leave prepared to forge a more powerful member experience given the right set of communication tools.

“To celebrate innovation, and in the spirit of making member satisfaction a priority, we are assisting CUNA attendees in their shift to cloud-based phone and contact center solutions by offering 3 months of free services to new customers,” said Michael Bacich, EVP of Sales at UniVoIP. Delivering fully scalable member-centric UCaaS solutions with disaster avoidance, geo redundancy, mobile-friendly collaborative applications that support BYOD, call recording, conferencing, real-time and historical analytical reporting, and best-in-class data security protocols meeting regulatory compliance, UniVoIP has secured its position as one of the industry’s most preferred UCaaS service providers.

ABOUT UNIVOIP                                                                                                                         

UniVoIP is a pioneering leader in Hosted VoIP and UCaaS (Unified Communications as a Service) exclusive solutions for medium to large businesses nationwide. UniVoIP offers enterprises integrated business communication platforms, multimedia contact center functionality, cloud-based collaborative tools, mobility applications, and a world-renowned suite of advanced IP phones including mobile integration. Powered by a team with over 40 years of experience together, UniVoIP is an industry leader, delivering comprehensive UCaaS solutions to a variety of industries including education, legal, finance, nonprofit, real estate and healthcare. For more information, visit univoip.com.

ABOUT CUNA

CUNA Operations & Member Experience Council

CUNA Councils are a member-led, collaborative community of credit union leaders providing vibrant peer interaction, new ideas and innovation to foster professional development for our members while advocating for the overall success of the credit union movement. The CUNA Operations & Member Experience Council is one of seven CUNA Councils, a network of more than 7,000 credit union professionals. For more information, visit cunacouncils.org.

ABOUT CUNA TECHNOLOGY COUNCIL

CUNA Councils are a member-led, collaborative community of credit union leaders providing vibrant peer interaction, new ideas and innovation to foster professional development for our members while advocating for the overall success of the credit union movement. The CUNA Technology Council is one of seven CUNA Councils, a network of more than 7,000 credit union professionals. For more information, visit cunacouncils.org.

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New TekLink™ TL2000PS Parking Suite Moves Beyond Lighting Control, Exclusively Providing Car Counting Technology in the Light Fixture


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TekLink 2000PS in a TekDek TD17 luminaire

By adding camera-based features into the TekLink 2000PS, facility owners save significantly over the cost of adding these systems individually.

Kenall’s TekLink TL2000PS Parking Suite extends the TekLink family of control systems by introducing the industry’s only image sensor integrated directly into the luminaire. These sensors provide car counting technology to parking facilities, helping to maximize operational efficiency and profitability. TekLink TL2000PS is currently available in Kenall’s best-selling TekDek TD17 and SenScape SPG18 parking luminaires.

“By embedding cameras into strategically-located light fixtures, Kenall’s parking garage light fixtures using TL2000PS can provide car counting data to parking facilities’ message boards as a vehicle enters the garage, moves between parking levels and exits the structure. With count accuracy over 99%, this feature greatly improves the customer experience by minimizing the time spent looking for an open space. Knowing the parking structure’s use history also helps operators set pricing strategies and plan staffing and maintenance schedules,” said Joe Welch, Controls Product Manager at Kenall.

Welch continued, “This product is completely unique to the market and opens a host of possibilities for parking operators, who can now not only manage lighting to save energy and promote safety, but also maximize the profitability of the structure by creating pricing programs based on usage. By adding camera-based features into the TekLink 2000PS, facility owners save significantly over the cost of adding these systems individually.” Welch is excited about this next step in Kenall controls technology and for future enhancements: “We are just beginning to scratch the surface of how lighting can offer services beyond illumination, and Kenall is at the forefront of developing technologies to create maximum value for parking garage owners.”

About Kenall

Kenall Manufacturing, an independent sector of Legrand, was founded in Chicago, Illinois in 1963 and has built a reputation for durable lighting solutions of superior quality and exceptional value. Today, the company creates unique solutions for the healthcare, cleanroom/containment, food processing, transportation, high abuse, and correctional lighting markets. Kenall luminaires are designed and manufactured in Kenosha, Wisconsin, and meet the guidelines established under the Buy American Act and the North American Free Trade Agreement. For additional information, visit http://www.kenall.com.

About Legrand and Legrand, North and Central America

Legrand is the global specialist in electrical and digital building infrastructures. Its comprehensive offering of solutions for use in commercial, industrial, and residential markets makes it a benchmark for customers worldwide. Legrand reported sales of approximately $7.1 billion (USD) in 2018. Legrand has a strong presence in North and Central America, with a portfolio of well-known market brands and product lines that includes AFCO Systems, C2G, Cablofil, Chief, Da-Lite, Electrorack, Finelite, Kenall, Luxul, Middle Atlantic Products, Milestone AV, Nuvo, OCL, On-Q, Ortronics, Pass & Seymour, Pinnacle, Projecta, QMotion, Quiktron, Raritan, Sanus, Server Technology, Solarfective, Vaddio, Vantage, Wattstopper, and Wiremold. Legrand is listed on Euronext Paris and is a component stock of indexes including the CAC40, http://www.legrand.us.

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Bode Miller, Gabby Douglas Partner to Launch MotiveCBD – the Most Comprehensive Line of CBD Products Geared Toward Athletes


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My experiences in using CBD have led me to believe that I could have been more pain free throughout my gymnastics career if CBD had been allowed. – Gabby Douglas

MotiveCBD – a new line of CBD products designed to help athletes train, perform and recover – debuts today under a new partnership with a group of athletes who have reached the highest levels of their respective professions.

“Motive was created by athletes for athletes and our goal is simply to keep people active and pain free,” said Corey Poches, Founder & CEO of MotiveCBD. “We provide a line of consistently-tested CBD products, formulated to fit any routine, that help athletes of all ages, shapes and sizes recover from sports-related conditions.”

MotiveCBD is launching in partnership with downhill skiing legend Bode Miller, Olympic gymnastics legend Gabby Douglas, former NFL star lineman Nick Mangold and champion bull rider Jess Lockwood, as well as fitness enthusiast and WWE/ESPN announcer Charly Arnolt.

Miller retired in 2017 as America’s most decorated male alpine skier, winning two overall World Cup titles, six World Cup discipline titles and an Olympic gold medal. His go-for-broke style of racing made him one of the most popular American skiers of all time.

“Every athlete is driven by something that moves them and pushes them forward when faced with adversity,” said Miller. “I was injured frequently throughout my career and took motivation from a lot of different things to help me recover and perform at the highest levels. Based on my experiences with CBD and recovery I absolutely would have included Motive in my daily routine. No matter what type of athlete you are, or what drives you, Motive CBD will help you maintain.”

Douglas was the first African-American gymnast in Olympic history to become the Individual All-Around Champion, and the first American gymnast to win gold in both the individual all-around and team competitions at the same Olympic games.

“My experiences in using CBD have led me to believe that I could have been more pain free throughout my gymnastics career if CBD had been allowed,” added Douglas. “I am glad that athletes across all Olympic sports will now have the opportunity to use these products and hopefully experience their benefits.”

All MotiveCBD products are manufactured using the finest CBD available and are tested by third parties to ensure quality and safety, guaranteeing industry-leading purity and consistency. All MotiveCBD products are approved for use in and out of competition by the World Anti Doping Association.

The MotiveCBD product line includes:

  •     Tinctures – 30mL vials containing 500mg of CBD in four flavors – Active Orange, Fresh Mint, Tropical Melon and Key Lime Lift. Full Spectrum and CBD Isolate tinctures retail for $49.99 per vial.
  •     Fruit Chews – 30 cube package contains 10mg of CBD per cube in three flavors – Orange Cream, Wild Berry and Strawberry. Fruit chews retail for $49.99 per jar.
  •     Mints – 10 mints per package contains 10mg of CBD per cube in a Fresh Mint flavor. Mints retail for $24.99 per pack.
  •     Sports Cream – 100mL bottle contains 400mg of CBD in Menthol and Sandalwood scents. Sports Cream retails for $59.99 per bottle.
  •     Capsules – 30 capsule package contains 25mg of CBD per capsule and is available in two forms: Muscle and Joint Support and Sleep Support. Capsules retail for $59.99 per jar.
  •     Toothpicks – 10 toothpicks per package contains 25mg of CBD per toothpick in three flavors – Cinnamon, Mountain Berry and Bacon. Toothpicks retail for $24.99 per pack.

During its launch, MotiveCBD is inviting athletes who are curious about the benefits of CBD to take the #Motive8Challenge. Athletes can purchase a comprehensive package of products for $49.99 that comes with an eight-day CBD routine. Athletes are encouraged to document their experience online using #Motive8Challenge for a chance to win free Motive product and prizes.

Please visit https://motivecbd.com/ to purchase products and to learn more about how CBD can benefit an active lifestyle.

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DOROT Westchester’s Rosh Hashanah Package Delivery for Older Adults


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“Thank you very much for my visitors, Maddie and her colleague…With virtually no visitors at this stage of life, the program relieves the loneliness caused by friends and relatives passing away.”

Sign up for DOROT Westchester’s

Rosh Hashanah Package Delivery

Sunday, September 22, 2019

Bring warmth and companionship to an older neighbor with a Sunday visit. Sign up for orientation, package delivery, and a home visit assignment.

Young Israel of Scarsdale

1313 Weaver Street

Scarsdale, NY

10:00 AM – 11:30 AM

Orientations take place at 10:15 AM and 11:00 AM.

All volunteers must pre-register.

New volunteers will be oriented about DOROT and learn everything they need to successfully participate in this program.

Children 8 and older are welcome. There will be arts & crafts for the kids.

DOROT’s Rosh Hashanah Package Delivery occurs annually, as do other seasonal package deliveries. They bring vital services to elders at moments when their loneliness may be exacerbated by having to spend holidays alone or having not had a visitor in a while.

Thank you to Young Israel of Scarsdale for hosting the Westchester Rosh Hashanah Package Delivery. This program is funded through the US Department of Health and Human Services — Administration on Aging (AOA), New York State Office for the Aging, Westchester County Department of Senior Programs and Services.

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New Health And Wellness Clinic Finds Its Way To North Port Area


The B12Health Store is making its way to the North Port area. B12Health offers various low-cost health injections including Vitamin B12, Glutathione, and Lipotropic injections. The goal of B12Health is to provide high quality, patient-focused care that is readily accessible to the communities that it serves. This location will be at 14846 Tamiami Trail at Bon Salut Organic Med Spa near the Center for Sight: North Port.

Health injections such as Vitamin B12 have become popular in recent years due to their possible health benefits like increased energy and a metabolism boost. With little side effects, health injections can compliment wellness plans for a variety of people. As the body does not naturally produce many of the injections offered (Vitamin B12, Vitamin C, etc.), it is necessary to get these from external sources, with an injection being the quickest method of dissemination.

This new location in North Port marks the next phase of expansion for B12Health, with other locations including Tallahassee, The Villages, Tampa and Casselberry. These locations provide patients with another wellness option to add to their care plan. Our healthcare professionals provide this service to patients 18 years or older. This service is not available to pregnant women.

Each shot takes a few minutes to prepare and a few moments to administer, totaling between 5 to 10 minutes. At the end of the visit the practitioner will provide a summary, a receipt, and educational material for the patient. Services are paid for at the time of injection. Prices range from $12-$60 for a single injection (depending on injection type). B12Health also offers package deals on injections.No appointments necessary, stop by anytime between 9am and 5pm.

B12Health aims to revolutionize healthcare for all. As health injections become even more popular, B12Health hopes to be at the forefront of the movement as demand continues to rise. B12Health is proud to serve the North Port area.

B12Health firmly embraces each patient’s journey to achieving a better way to wellness, along with healthy habits, helpful advice, and tips to ensure they stay well. By providing access to quality care, B12Health ensures that each patient can take control of their journey and make informed decisions about their healthcare.

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