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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 11, 2021

11 Hidden Benefits of Using Oil Diffusers

11 Hidden Benefits of Using Oil Diffusers

Affordable, relaxing, and healthy, oil diffusers are gaining popularity with people everywhere due to their extensive benefits. Oil diffusers work through the simple process of oil diffusion, which uses heat to turn oil into a vapor that is then spread around a living space. Diffused oil can have several relaxation and health-related benefits, including safe scent-dispersion, mosquito and mold defense, stress relief, and more!

Read on for 11 hidden benefits of using oil diffusers.

1. Safe Scents That Make Sense

Unlike candles or air fresheners, oil diffusers release cleansing molecules into your air that work to purify it, not overload it with unhealthy chemicals. Electronic diffusers also do not pose the fire risk that candles do. Plus, they contain the added feature of interchangeability, which means you change oil types for different scents and health benefits.

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2. Stress Relief

Several lab studies have confirmed that diffusing essential oils like lavender have been shown to reduce stress and help relieve anxiety in medical patients. Preliminary studies have also shown that oil diffusers can help alleviate symptoms of depression.

3. Improved Sleep

Diffused oil has relaxing properties that can help people of all ages fall asleep quicker and sleep more soundly. Electronic diffusers not only have the option to mix and match different oil blends (Try a lavender, Bulgarian rose, and Roman chamomile blend to help with insomnia), they also run at a gentle hum that helps relax an agitated mind. Many also come with an auto shut-off feature to help conserve oils once you have fallen asleep.

4. Appetite Control

Much like gum, oil diffusers can help stimulate the senses in a way that works to curb appetite. New research has shown that diffused peppermint oil can help curb appetite by inducing a satiety response within the body. Diffused peppermint oil has also been shown to increase energy.

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5. Bacteria and Mold Killing

When essential oils are diffused in the air, they break down free radicals that contribute to the growth of harmful bacteria. Eucalyptus, thyme, and tea tree oils are especially good for this purpose. Diffused oil is also highly effective when it comes to combating fungal yeast threats, as the oil help makes the air inhospitable for yeasts such as mold. Pine and red thyme essential oils are best for combating mold.

6. Decongestion and Mucus Control

Ever tried Vick’s Vapo-Rub? Its decongesting powers come from active ingredients made from the eucalyptus tree. In principle, oil diffusers work the same way as Vapo-Rub, except they diffuse their decongesting vapor all around the room, not just on your chest or neck. Oil diffusers have been known to cure pneumonia in lab mice.

7. Mosquito Repellant

Nobody likes mosquitoes — but when the trade-off means using repellants full of DEET, a toxic chemical that can be especially harmful to children, mosquito control can often seem like a lose-lose. However, scientists have shown that oil diffusers can be used as a safe and highly effective mosquito repellant. Studies have shown that a diffused oil mixture containing clove essential oil and lemongrass essential oil repelled one type of Zika-carrying mosquito, the Aedes aegypti mosquito, at a rate of 100%.

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8. Pain Relief

While applying oils directly to areas of your body may be the most effective way to alleviate pain, diffusing essential oils can also be an effective means of pain relief. When we inhale healthy essential oils, they enter our blood stream and can help internally relieve persistent pain from headaches, overworked muscles, and sore joints.

9. The New Anti-Viral

Research into the anti-viral effects of oil diffusion is now just gaining steam. A recent study showed that star anise essential oil was proven in medical experiments to destroy the herpes simplex virus in contained areas at a rate of 99%. Another study showed the popular DoTerra oil blend OnGuard to have highly-effective influenza-combating powers.

10. Improved Cognitive Function

Diffusing essential oils has also been shown to improve cognitive function. Many essential oils have adaptogenic qualities, which can work twofold in soothing us when we’re stressed, and giving our bodies a pick-me-up when we’re feeling down or sluggish. By working to level out an imbalanced mood, diffused oils also help us to focus. There are also several essential oils which have been shown to help balance the body’s hormones. With prolonged use, these oils can work to repair the underlying causes responsible for hindering cognitive function.

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11. Money Saving

With ten clear benefits of oil diffusers already outlined, there is one more that should now be obvious: using an oil diffuser will help you to save money. As an anti-viral, bug repelling, and stress-relief solution rolled into one safe product, an oil diffuser used with the proper oils will save you money on products you might otherwise be buying to help cure those pesky headaches or get your kids to fall asleep on time. If you’re wondering just how affordable oil diffusers can be, check the buyer’s guide to the best oil diffusers — you’ll be sure to find one that fits your budget!

Featured photo credit: Jopeel Quimpo via unsplash.com

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