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5 Ways to Get the Most Out of Your Health Policy

5 Ways to Get the Most Out of Your Health Policy

Most employers don’t offer 100% free health insurance, which means that a portion of your income is going toward your healthcare plan every single month. If you’re in good health, you’re probably not using a majority of the health benefits you’re paying for. However, there still can be a lot of different benefits for you. All you have to do is a little bit of research to help you learn more about your plan. Here are five ways to make the most of your health coverage so that you feel like you’re getting something in return.

1. Find out what freebies are offered

Since you’re paying for your health insurance, nothing is truly “free,” but there are likely perks that you won’t have to pay extra for. Many preventative healthcare services, like screenings and tests, are available thanks to the Affordable Care Act. There are additional freebies for women and children as well. Be sure to ask about any freebies that your business may have to offer. You may never know about it if you never ask.

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2. Ask for a price cut

If you have a plan with a high-deductible, you may be able to get a break when you visit your dentist or doctor. If you pay with cash, some offices will take a bit off the price; just make sure to let them know that you have a high-deductible plan. If they can’t reduce the price for you, ask if they’re able to put you on an installment payment plan.

3. Don’t over-spend on medications

When your doctor is prescribing you a medication, find out if there’s a generic (i.e. cheaper) version that you can take instead. If there is, hunt around for the pharmacy that offers the lowest prices on generic medications. This way you can still get the medication you need without spending too much. You may even want to ask your pharmacist about good medications for you that fit within your budget.

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4. Add on a health savings account

Some health plans come with the option of adding a health savings account. This means that you can create a savings account with non-taxable money. You’ll earn interest on the money that remains in the account and the savings account total will roll over every year. Sometimes, employers even contribute a certain percentage of what you contribute to your health savings account. This is a great way to have money set aside, specifically for healthcare and medical bills. It is really nice to have some money set aside for things like this that doesn’t have to come directly out of your checking account.

5. Price-shop for the right hospital

If you have to have a procedure done, don’t assume that all hospital price tags are created equal. Compare hospital prices by calling them up, telling them what you have to get done and giving them the name of your insurance provider. There are even some online tools that let you compare prices from several hospitals depending on their health management programs and expertise. Taking the time to do some research can really help save you money in the long run. You may even want to take time to tour different hospitals to find your ideal place for medical care.

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Whether you have a high-deductible insurance plan or you just want to make the most of your affordable health care plan, there are ways to maximize on its perks. Take advantage of what you’re paying for by figuring out freebies, asking for price cuts and saving on medications. Find reliable caretakers that can meet your health needs at a price range that fits your financial expenses.

Featured photo credit: Crew via unsplash.com

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Kara Masterson

Freelance Writer

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Last Updated on January 3, 2020

The 10 Essential Habits of Positive People

The 10 Essential Habits of Positive People

Are you waiting for life events to turn out the way you want so that you can feel more positive about your life? Do you find yourself having pre-conditions to your sense of well-being, thinking that certain things must happen for you to be happier? Do you think there is no way that your life stresses can make you anything other than “stressed out” and that other people just don’t understand?  If your answer is “yes” to any of these questions, you might find yourself lingering in the land of negativity for too long!

The following are some tips to keep positive no matter what comes your way. This post will help you stop looking for what psychologists call “positivity” in all the wrong places!  Here are the ten essential habits of positive people.

1. Positive people don’t confuse quitting with letting go.

Instead of hanging on to ideas, beliefs, and even people that are no longer healthy for them, they trust their judgement to let go of negative forces in their lives.  Especially in terms of relationships, they subscribe to The Relationship Prayer which goes:

 I will grant myself the ability to trust the healthy people in my life … 

To set limits with, or let go of, the negative ones … 

And to have the wisdom to know the DIFFERENCE!

 2.  Positive people don’t just have a good day – they make a good day.

Waiting, hoping and wishing seldom have a place in the vocabulary of positive individuals. Rather, they use strong words that are pro-active and not reactive. Passivity leads to a lack of involvement, while positive people get very involved in constructing their lives. They work to make changes to feel better in tough times rather than wish their feelings away.

3. For the positive person, the past stays in the past.

Good and bad memories alike stay where they belong – in the past where they happened. They don’t spend much time pining for the good ol’ days because they are too busy making new memories now. The negative pulls from the past are used not for self-flagellation or unproductive regret, but rather productive regret where they use lessons learned as stepping stones towards a better future.

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4. Show me a positive person and I can show you a grateful person.

The most positive people are the most grateful people.  They do not focus on the potholes of their lives.  They focus on the pot of gold that awaits them every day, with new smells, sights, feelings and experiences.  They see life as a treasure chest full of wonder.

5. Rather than being stuck in their limitations, positive people are energized by their possibilities.

Optimistic people focus on what they can do, not what they can’t do.  They are not fooled to think that there is a perfect solution to every problem, and are confident that there are many solutions and possibilities.  They are not afraid to attempt new solutions to old problems, rather than spin their wheels expecting things to be different this time.  They refuse to be like Charlie Brown expecting that this time Lucy will not pull the football from him!

6. Positive people do not let their fears interfere with their lives!

Positive people have observed that those who are defined and pulled back by their fears never really truly live a full life. While proceeding with appropriate caution, they do not let fear keep them from trying new things. They realize that even failures are necessary steps for a successful life. They have confidence that they can get back up when they are knocked down by life events or their own mistakes, due to a strong belief in their personal resilience.

7. Positive people smile a lot!

When you feel positive on the inside it is like you are smiling from within, and these smiles are contagious. Furthermore, the more others are with positive people, the more they tend to smile too! They see the lightness in life, and have a sense of humor even when it is about themselves. Positive people have a high degree of self-respect, but refuse to take themselves too seriously!

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8. People who are positive are great communicators.

They realize that assertive, confident communication is the only way to connect with others in everyday life.  They avoid judgmental, angry interchanges, and do not let someone else’s blow up give them a reason to react in kind. Rather, they express themselves with tact and finesse.  They also refuse to be non-assertive and let people push them around. They refuse to own problems that belong to someone else.

9. Positive people realize that if you live long enough, there are times for great pain and sadness.

One of the most common misperceptions about positive people is that to be positive, you must always be happy. This can not be further from the truth. Anyone who has any depth at all is certainly not happy all the time.  Being sad, angry, disappointed are all essential emotions in life. How else would you ever develop empathy for others if you lived a life of denial and shallow emotions? Positive people do not run from the gamut of emotions, and accept that part of the healing process is to allow themselves to experience all types of feelings, not only the happy ones. A positive person always holds the hope that there is light at the end of the darkness.  

10. Positive person are empowered people – they refuse to blame others and are not victims in life.

Positive people seek the help and support of others who are supportive and safe.They limit interactions with those who are toxic in any manner, even if it comes to legal action and physical estrangement such as in the case of abuse. They have identified their own basic human rights, and they respect themselves too much to play the part of a victim. There is no place for holding grudges with a positive mindset. Forgiveness helps positive people become better, not bitter.

How about you?  How many habits of positive people do you personally find in yourself?  If you lack even a few of these 10 essential habits, you might find that the expected treasure at the end of the rainbow was not all that it was cracked up to be. How could it — if you keep on bringing a negative attitude around?

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I wish you well in keeping positive, because as we all know, there is certainly nothing positive about being negative!

Featured photo credit: Janaína Castelo Branco via flickr.com

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