Colder weather and cold and flu season go hand-in-hand. While you may not be able to completely avoid getting sick, you can take some steps to protect yourself and minimize the chances of a serious illness.
Fight Off the Flu
(Family Features) Colder weather and cold and flu season go hand-in-hand. While you may not be able to completely avoid getting sick, you can take some steps to protect yourself and minimize the chances of a serious illness.
The flu is a highly contagious illness that can result in hospitalization and even death. Managing your own risk of exposure to the flu not only protects you, but can help minimize the chances of passing on a potentially dangerous illness to those in higher risk groups. Those with compromised immune systems and risk factors such as age (both the elderly and young babies and children) and other health conditions are at an elevated risk.
Know the signs
Other preventive steps
Treating the flu
Find more cold weather tips for healthy living at eLivingToday.com.
4 Ways to Stretch Your Health Benefits
Avoid surprises. About 91 percent of adults in the United States are confused about what their benefits cover, according to a recent Harris poll. The best starting point is to review your plan so you understand the care and services covered. If you have a high-deductible plan, you will need to pay for most or a percentage of the health costs until reaching the individual or family deductible. Be prepared to pay any copayments or deductibles the plan requires before receiving care. Also, before scheduling appointments, ask for a cost estimate for the appointment, tests or service.
Preventive dental and vision. Many voluntary plans, such as dental and vision, offer preventive exams, such as routine cleanings and vision exams, that are fully covered. That’s because these preventive exams help to maintain and improve overall health and help reduce health costs. Voluntary coverage is affordable and many plans offer added incentives. For example, coverage for LASIK, dental, vision and hearing benefits can increase from one year to the next for those who continue to enroll and use their benefits. Members could earn monetary rewards to use for dental, vision, LASIK, orthodontia and hearing benefits, care materials and services simply by using their benefits and keeping the benefits paid out under a specified amount.
Medical screenings. Routine health screenings, such as mammograms, immunizations, colonoscopy procedures and prostate cancer screenings, which may be covered fully or in part by your medical coverage, can help you stay healthy and lower health care costs.
Get paid to save. Many employers encourage employees to save money by matching a percentage of the amount the employee contributes to the plan. If available, enroll in a Health Savings Account or Flexible Spending Account to set aside money to pay for health care costs.
Learn more about the questions to ask when reviewing benefit plans at ameritasinsight.com.
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