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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 December 2, 2019

10 Powerful Ways to Stop Worrying and Start Living Today

10 Powerful Ways to Stop Worrying and Start Living Today

Plato knew that the body and mind are intimately linked. And in the late 1800s, the Mayo brothers, famous physicians, estimated that over half of all hospital beds are filled with people suffering from frustration, anxiety, worry and despair. Causes of worry are everywhere, in our relationships and our jobs, so it’s key we find ways to take charge of the stress.

In his classic book How to Stop Worrying and Start Living, Dale Carnegie offers tools to ditch excessive worrying that help you make a worry-free environment for your private and professional life.

These are the top 10 tips to grab worry by the horns and wrestle it to the ground:

1. Make Your Decision and Never Look Back

Have you ever made a decision in life only to second-guess it afterwards? Of course you have! It’s hard not to wonder whether you’ve done the right thing and whether there might still be time to take another path.

But keep this in mind: you’ve already made your decision, so act decisively on it and dismiss all your anxiety about it.

Don’t stop to hesitate, to reconsider, or to retrace your steps. Once you’ve chosen a course of action, stick to it and never waver.

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2. Live for Today, Package Things up in “Day-Tight Compartments”

You know that feeling: tossing, turning and worrying over something that happened or something that might, well into the wee hours. To avoid this pointless worrying, you need “day-tight compartments”. Much as a ship has different watertight compartments, your own “day-tight” ones are a way to limit your attention to the present day.

The rule is simple: whatever happened in the past or might happen in the future must not intrude upon today. Everything else has to wait its turn for tomorrow’s box or stay stuck in the past.

3. Embrace the Worst-Case Scenario and Strategize to Offset It

If you’re worried about something, ask yourself: “What’s the worst thing that could happen?” Could you lose your job? Be jailed? Get killed?

Whatever the “worst” might be, it’s probably not so world-ending. You could probably even bounce back from it!

If, for example, you lose your job, you could always find another. Once you accept the worst-case scenario and get thinking about contingency plans, you’ll feel calmer.

4. Put a Lid on Your Worrying

Sometimes we stress endlessly about negative experiences when just walking away from them would serve us far better.

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To make squashing that worry easier, try this strategy, straight from stock traders: it’s called the “stop-loss” order, where shares are bought at a certain price, and then their price development is observed. If things go badly and the share price hits a certain point, they are sold off immediately. This stops the loss from increasing further.

In the same manner, you can put a stop-loss order on things that cause you stress and grief.

5. Fake It ‘Til You Make It – Happiness, That Is

We can’t directly influence how we feel, but we can nudge ourselves to change through how we think and act.

If you’re feeling sad or low, slap a big grin on your face and whistle a chipper tune. You’ll find it impossible to be blue when acting cheerful. But you don’t necessarily need to act outwardly happy; you can simply think happier thoughts instead.

Marcus Aurelius summed it up aptly:

“Our life is what our thoughts make it.”

6. Give for the Joy of Giving

When we perform acts of kindness, we often do so with the expectation of gratitude. But harboring such expectations will probably leave you disappointed.

One person well aware of this fact was the lawyer Samuel Leibowitz. Over the course of his career, Leibowitz saved 78 people from going to the electric chair. Guess how many thanked him? None.

So stop expecting gratitude when you’re kind to someone. Instead, take joy from the act yourself.

7. Dump Envy – Enjoy Being Uniquely You

Your genes are completely unique. Even if someone had the same parents as you, the likelihood of someone identical to you being born is just one in 300,000 billion.

Despite this amazing fact, many of us long to be someone else, thinking the grass is greener on the other side of the fence. But living your life this way is pointless. Embrace your uniqueness and get comfortable with who you really are: How to Be True to Yourself and Live the Life You Want

8. Haters Will Hate — It Just Means You’re Doing It Right

When you’re criticized, it often means you’re accomplishing something noteworthy. In fact, let’s take it a step further and consider this: the more you’re criticized, the more influential and important a person you likely are.

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So the next time somebody talks you down, don’t let it get to you. Take it as a compliment!

9. Chill Out! Learn to Rest Before You Get Tired

Scientists agree that emotions are the most common cause of fatigue. And it works the other way around, too: fatigue produces more worries and negative emotions.

It should be clear, therefore, that you’ve got to relax regularly before you feel tired. Otherwise, worries and fatigue will accumulate on top of each other.

It’s impossible to worry when you are relaxed, and regular rest helps you maintain your ability to work effectively.

10. Get Organized and Enjoy Your Work

There are few greater sources of misery in life than having to work, day in, day out, in a job you despise. It would make sense then that you shouldn’t pick a job you hate, or even just dislike doing.

But say you already have a job. How can you make it more enjoyable and worry-free? One way is to stay organized: a desk full of unanswered mails and memos is sure to breed worries.

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Better yet, rethink about the job you’re doing: What to Do When You Hate Your Job but Want a Successful Career

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Featured photo credit: Tyler Nix via unsplash.com

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