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The_Money_IDEAThe Money IDEA

The Money IDEA

Ideas on How to Save and Ideas for What to Do with Your Savings!

Tips to help make the most of your health plan in 2021

1/15/2021

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Tips to help make the most of your health plan in 2021

(BPT) - Last year was a difficult year as the COVID-19 pandemic swept through our country, impacting families and communities nationwide. The health challenges of the pandemic also provided a crucial reminder about the importance of health care.

For many Americans, new health plan benefits began in January. If this is your situation, now is the perfect time to learn how to maximize this year’s health benefits, which may help improve your health — and possibly save money too.

Ann Marie O’Brien, R.N., national director of health strategies at UnitedHealthcare, provides the following tips to help you take charge of your health and get the most out of your plan in 2021:

  • Understand health insurance concepts. Review common health insurance terms like premium, deductible and copay. This may help you better understand your plan and how your costs are calculated. Insurance plans differ depending on the providers you see and how much you pay for services. Remember, in-network providers are contracted with your health insurer to provide services at a lower cost, so consider checking whether your current health care providers are in your network before making an appointment. Out-of-network providers may cost more and lead to higher out-of-pocket costs for you.

  • Schedule preventive services. Be proactive by taking advantage of preventive services that are often covered by your insurance, like an annual physical, mental health screening or flu shot. Scheduling these appointments with your primary care doctor may help prevent health problems before they arise.

  • Check your behavioral health coverage. Some insurers, such as UnitedHealthcare, offer behavioral health care programs that can range from treatment for substance use, eating disorders, anxiety and stress, with a goal of helping to improve your overall well-being. For example, an on-demand emotional support mobile app called Sanvello® is available to help you cope with stress, anxiety and depression.

  • Take advantage of telehealth visits. A popular health care choice, especially during the COVID-19 pandemic, has been telehealth or virtual visits, which enable people to connect 24/7 with a health care provider via a smartphone, tablet or personal computer. They may be an easier, more affordable way to talk to a doctor about common health issues. Log in to your health plan’s member portal to check availability.

  • Explore your options for wellness programs. Many health plans now offer discounts and other incentives for working out, walking, signing up for an online health coaching program, lowering your cholesterol, or avoiding nicotine. Incentive-based wellness programs are designed to reward people for making healthier choices. Check with your insurer or employer to see what programs are available to you.

  • Review your prescription coverage. Check to see what’s covered under your prescription drug plan by logging into your health plan’s member portal or by calling the phone number on your ID card. Your plan will show medication costs and coverage and help you locate a network pharmacy. It also helps to ask about generic medication options. In many cases, generic medications contain the same active ingredients as their brand-name counterparts, and they may save you money.

  • Apply for a child medical grant. Some charitable organizations, such as the UnitedHealthcare Children’s Foundation (UHCCF), provide child medical grants to middle- and low-income families who don’t qualify for Medicaid. Families can receive up to $5,000 annually per child ($10,000 lifetime maximum per child) and do not need to have insurance through UnitedHealthcare to be eligible.

    Since 2007, UHCCF has awarded more than 25,000 grants valued at over $54 million to children and their families across the United States. Families can read eligibility criteria and complete an online application at www.uhccf.org.

Becoming familiar with your new health plan — especially at the start of a new year — is one way to help you be proactive when it comes to your health. For more health and wellness information, visit UHC.com.

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Help Safeguard Your Family’s Finances

10/24/2019

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Every year, millions of American workers enroll in employee benefits through their workplaces during a period known as annual enrollment. It’s usually a short window of time, but employees make crucial financial decisions for their families for the coming year. In addition to medical insurance, consider these voluntary benefits that can help bridge the gap between what health insurance covers and what you’re financially responsible for.

Help Safeguard Your Family’s Finances

(Family Features) Every year, millions of American workers enroll in employee benefits through their workplaces during a period known as annual enrollment. It's usually a short window of time, but employees make crucial financial decisions for their families for the coming year.

In addition to medical insurance, many employers offer a range of voluntary benefits - those you select and pay for yourself, often by having the cost deducted directly from your paycheck. These voluntary benefits can help bridge the gap between what health insurance covers and what you're financially responsible for, especially as more employees opt for high-deductible health insurance plans.

In fact, according to a poll of 1,512 full-time U.S. workers conducted by employee benefits company Unum, 49% of working adults plan on enrolling in a high-deductible health plan for the coming benefit year, with Millennials (58%) and Gen Z'ers (54%) at even higher rates.

"While high-deductible health plans offer lower monthly payments, that can mean more financial responsibility for policyholders when they need to use the benefit," said personal finance expert Laura Adams. "Combining a high-deductible health plan with a health savings account can offset out-of-pocket costs, but it's also a good idea to consider voluntary benefits like disability, accident and hospital insurance to further financially protect your family."

If an accident, illness or injury prevents you from working, disability insurance replaces a portion of your income. While it may seem unlikely to many they would ever experience a disability, it's more common than some realize. Based on 2019 information from the Social Security Administration, more than 1 in 4 of today's 20-year-olds will become disabled before reaching age 67.

Accident and hospital insurance can pay a lump sum directly to you to offset out-of-pocket costs associated with medical care often not covered by health insurance.

  • Accident insurance can provide financial benefits for urgent care and emergency room visits, ambulance and other transportation to the hospital, initial care and surgery, hospital stays and lodging expenses related to an accident and even follow-up care such as doctor's visits and physical therapy.
     
  • Hospital insurance can pay a benefit directly to you when you are admitted to the hospital. This could include immediate medical costs and travel expenses or to help cover other bills.

Voluntary benefits, policies and details vary, so it's essential to review your options and discuss with your family before your benefits enrollment begins.

"Investing a little additional time on the front end can help reduce your family's financial risk down the road," Adams said.

For more information about employee benefits, visit Unum.com/benefits.

Photo courtesy of Getty Images

SOURCE:
Unum

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What Does it Mean to Live Within Your Means?

8/11/2019

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Most people don’t have enough money saved for a rainy day. It’s important to have enough money in the bank to be able to survive a major financial downturn like a job loss. You should also be saving for your retirement. Maybe you are worried about the state of your finances and wonder how you can get in control of them. The key to getting control of your money is to live on less than you have. Here’s how.

Putting Away Something in Savings
Building an emergency fund counts as the most important financial step you can take to ensure that you are living below your means. Most financial advisors suggest that you have between three and six months' of income stored in savings in case of an emergency. Most people don’t. The problem is that if they become unemployed, they’re forced to live on credit cards or loans from family because they have no money in savings. If you have to borrow money to live, you’ll eventually have to pay it back or go bankrupt. Putting money into savings each month ensures that you never have to go into debt should a major financial blow occur.

Not Investing Too Much
It's certainly true that real estate, starting with your home, can be a sound investment. That said, you should be careful about putting too much money into real estate because doing so can make you property rich but cash poor. While it’s nice to have property, you may not have enough money in the bank should you experience a job loss or serious illness. So how much can you safely invest in your home? Here’s a rule of thumb. The average American making $61,372, assuming they have no debts, should pay no more than $2,301.45 a month if they buy a house with a conventional 30-year mortgage. This means that you would have no more than 30% to 40% of your money sunk into real estate at any given time. Following this tip will keep you from paying too much on housing.

Living Below Your Means
Living below your means ensures that you always have more money coming in than going out. People who adopt this lifestyle often vow to forego buying something new until they can pay cash for it. If they do get a raise at work, they pretend to themselves that they are still bringing in the same amount of money each month, and the extra money from their raise goes into savings or an IRA. The less of your money you spend, the more of it you can keep.
 
Spending less cash than you earn takes effort. It’s really a lifestyle choice and not a one-time thing. To get started, you first want to put money into savings each month. Next, be mindful of how you invest your money. Being cash poor can hurt you if tragedy strikes. Finally, do your utmost to spend less money than you have. If you follow all of these steps, it’s unlikely that you’ll ever have to worry about your finances.



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Understanding Insurance Benefits

1/28/2019

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No matter where you are in life, whether you’re just starting your career or nearing retirement, it’s important to understand the voluntary benefits available to you that can complement traditional health insurance. With the right information about the options available you can make choices that best fit your lifestyle and budget. Consider these common voluntary options.


Understanding Insurance Benefits

(Family Features) No matter where you are in life, whether you’re just starting your career or nearing retirement, it’s important to understand the voluntary benefits available to you that can complement traditional health insurance.

While health insurance can help cover medical costs in the event of injury or illness, sometimes there are additional expenses your health care plan doesn’t cover. Voluntary benefits, such as life insurance, disability insurance and dental insurance, offered by your employer or as portable options through a company like Colonial Life can help bridge the gap should an unexpected event occur.

“Even if an employee has to pay a nominal sum for a voluntary benefit like disability insurance or dental coverage, it can be well worth it,” said Sharlyn Lauby, president of ITM Group Inc., creator of the HR Bartender blog and contributor to Colonial Life’s WorkLife blog. “Think of voluntary benefits as those specialized, personalized extras that make your overall benefits package exactly what you’d like it to be.”

Benefits can be complex, but with the right information about the options available you can make choices that best fit your lifestyle and budget. Consider these common voluntary options:

Life Insurance
While almost nine out of 10 Americans agree most people need life insurance, just 60 percent said they have it, according to LIMRA's Trends in Life Insurance Ownership study. With benefits typically paid tax-free to your beneficiary, life insurance can provide peace of mind and help loved ones pay for funeral costs, cover living expenses, pay off debt, finance future needs and protect retirement plans. Policies are often available through employers, but you may lose the coverage if you change jobs. However, portable policies are also available that allow you to maintain coverage even if you change jobs or retire. To learn how much life insurance protection your family needs, visit worklife.coloniallife.com/calculator.

Disability Insurance
No one usually expects to get sick or injured, however, disability insurance can help protect your income and maintain your lifestyle if a physician determines you're unable to work due to a covered accident or illness. Common conditions such as pregnancy and childbirth, heart attacks, strokes, cancer and accidents make up the majority of disabilities that lead to an inability to work. With short-term disability benefits, you receive financial support for a predetermined amount of time to cover expenses such as a mortgage or rent, car payments, utilities and more so you can focus on recovery.

Dental Insurance
Daily brushing and flossing can help keep your mouth healthy, but that’s not always enough as dental problems can lead to other health problems if left unattended. When you see a dentist for routine appointments and necessary procedures, dental insurance can help reduce the out-of-pocket expense. In fact, among insurance benefits typically provided to employees, 61 percent of workers view dental benefits as important, ranking second after medical insurance, according to LIMRA. Dental insurance provides coverage for regular cleanings and more extensive procedures like fillings, crowns, dentures and tooth removal. Some plans even offer allowances for orthodontic work like braces and retainers.

Accident Insurance
When an accident happens, one of the last things many people want to think about is how they’re going to pay the bills. You can prepare for the unexpected with accident insurance, which provides a lump-sum benefit – based on the injury suffered and treatment received – that can be used to help pay for expenses following an accidental injury, such as doctor bills, co-pays, emergency room fees, transportation, lodging and follow-up care.

Critical Illness Insurance
No matter your age or health status, a sudden illness could significantly impact your financial well-being, and health insurance may not cover everything. When a critical illness such as a heart attack, stroke or major organ failure occurs, major expenses often follow, and critical illness insurance can help off-set costs. In addition to your day-to-day bills, the lump-sum benefit can be used to pay for treatment- and recovery-related expenses including deductibles and co-pays, child care, travel and lodging, gym memberships and out-of-network treatment facilities and procedures.

Learn more about how you can live healthier, enjoy more success at work and take full advantage of your benefits at worklife.coloniallife.com.

Photo courtesy of Getty Images

SOURCE:
Colonial Life


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Easy tips to save money on health care

7/9/2018

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Easy tips to save money on health care

Whether you're uninsured or simply facing a high insurance deductible, you can take several steps to better manage your health care budget. Consider how the following money-saving tips can help control the rising costs of health care.


(BPT) - As Americans work hard to meet all the obligations that come with work, family and everyday life, many are challenged to find time to manage all the financial elements affecting their health care.

The details associated with health care insurance can be confusing. At the same time, you want to make smart decisions about the quality health care you and your family need.

Out-of-pocket health care spending rose by more than 50 percent between 2010 and 2017, The Atlantic recently reported, partly because half of all health insurance policyholders in the U.S. are dealing with annual deductibles of at least $1,000.

Whether you're uninsured or simply facing a high insurance deductible, you can take several steps to better manage your health care budget. Consider how the following money-saving tips can help control the rising costs of health care.
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* Read bills with a critical eye. Any bill can include administrative errors, and some estimates have indicated errors on as many as 80 percent of medical invoices issued, reports the Medical Billing Advocates of America. That statistic makes it well worth your while to examine and question your expenses before you pay.

* Lower the cost of your meds. The free Inside Rx prescription savings card provides discounts on prescription medications for eligible patients. According to the data, eligible patients have saved an average of 40 percent on the more than 100 featured brand medications included in the program, and even more on generic medications. Inside Rx is an option to help the uninsured, those facing high deductibles or anyone trying to save money on their meds. Inside Rx even offers prescription savings for pets for qualifying medications. The card is free and easy to download, with no registration process.
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* Compare costs whenever possible. Some medical services can be difficult to compare on an apples-to-apples basis, but it’s worth doing your homework before making appointments for more standard services such as annual check-ups, lab work and testing, dental care or dermatology services. Check vendor websites, make phone calls and conduct web searches to find online databases, such as HealthcareBluebook.com, that suggest fair prices for services. If you're insured, your insurance provider can clarify what portion of the bill will be covered.

* Be bold about negotiations. It's OK to speak up. You have nothing to lose by politely asking your health care provider to work with you on the price of an upcoming service, especially when dealing with a private practice. Start the conversation by aiming for the Medicare rate or an amount close to that paid by commercial insurers. As an alternative, ask the office administrator to set up a manageable payment plan.

* Consider paying cash up front. Some vendors offer discounts for simply paying cash for your services without funneling everything through insurance. Even if you're insured, you can still evaluate whether immediate cash payments would be lower than your post-insurance costs.

Keeping a close eye on where you might be wasting money on health care can pay off in a big way — and the remedies don’t have to be complicated. Conduct your due diligence on such costs to protect your financial health as vigorously as your physical health.
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Retirement readiness: Hitting the retirement preparation sweet spot

12/31/2017

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(BPT) - A recent study by the Center for Retirement Research (CRR) at Boston College suggests an alarming state of awareness about retirement readiness: Of surveyed households, 33 percent realize they are not well prepared, 19 percent are not well prepared but don't know it, and 24 percent are well prepared but don't know it.

For the Americans at risk of not being able to maintain an adequate retirement lifestyle, it's critical to take action. For the households that are well prepared and don't know it, they risk sacrificing a comfortable retirement. Understanding the behaviors associated with good retirement planning, in turn, can help you get a better sense of where you stand. Consider the following behaviors, which are more likely to be modeled by those who are well prepared for retirement.

Asset accumulation

A high-level approach to ensuring adequate retirement assets is to save a minimum of 10 percent of your gross income each year. You may need to save even more depending on your asset accumulation goals and how many years you have left to save before retirement.

If you would rather have a dollar goal, multiply your annual income goal by 25 to arrive at the amount you should try to save. For example, if after considering Social Security and any pension payment, you want $30,000 more of annual income in retirement, you will need to save $750,000. Lower goals mean you need to withdraw at a faster rate and increase the risk you will deplete your assets too soon.

Budgeting

Not all budgets need to detail specific spending items. Rather, you can consider yourself working within a budget if you know that each year you are saving and not creating new debt (and paying off legacy debt for your education or home). If you want to squeeze out more savings, a line-by-line review of spending may well be fruitful.

Personal debt

Many of us are saddled with personal debt from college and graduate school. This debt has become so burdensome that the customary progression to home ownership has been delayed for many. The debt has also had a domino effect on the ability to save for retirement. Paying down personal debt should be job one. Other personal debt, such as for a car purchase, should be avoided, minimized or paid down as quickly as possible. Credit card debt, which carries high interest rates, should be avoided entirely. Remember, each dollar of debt limits your ability to save for the future.

Mortgage debt


It used to be commonly accepted that you pay off your mortgage before retirement, but more and more retirees are entering retirement with mortgage debt. The old rule remains the best approach, since any indebtedness in retirement will limit your ability to react and adjust to poor investment return on your assets.

Social Security


With traditional pension plans less commonly offered by employers, Social Security has become an even more important source of guaranteed lifetime retirement income. By waiting to age 70, you can increase the benefit payment significantly, which is also the base for annual Social Security cost-of-living increases for the rest of your life. That increased Social Security benefit may also increase the benefit that a surviving spouse will receive after you die. Unless you have a health care issue that could reduce your life expectancy and no spouse who might need a spousal benefit based on your earnings record, claiming Social Security early is the greatest retirement planning mistake made.

Health care


Health care is the single greatest cost in retirement, and various studies estimate the cost to be $250,000 or more for a healthy 65-year-old couple. The cost of health care will be even greater to the extent one retires before age 65 and Medicare eligibility.

Moreover, health care costs can vary and may come sooner than expected. The best plan, then, is to work until at least age 65 and understand that health care is a unique challenge in retirement. To the extent possible, utilize Health Savings Accounts and bank any unused amounts annually to build up a tax-free health care fund for retirement.

Income planning


No later than 10 years before your planned retirement, you should be translating your retirement assets into an annual or monthly retirement income stream. Start with your Social Security and any pension plan payments as your income base, and then consider how much income your other assets can safely generate. Depending on this analysis, you may want to consider purchasing an annuity to make more of your retirement income guaranteed and avoid the twin risks of poor investment return and living longer than expected.

Consider also that many of your retirement assets have an embedded tax liability. You will need to look through your retirement assets to determine after-tax income, since your food, rent and cable bills are paid with after-tax money. Only by seeing your after-tax income can you decide if you have enough to live on.

Annual financial wellness check-ups


During your early working years, you are likely to be focused on debt reduction and asset accumulation. As you get closer to retirement, you will need to focus on the strategies associated with Social Security, health care and income generation. At all times you should annually revisit your goals and make adjustments, as needed, to how much and where you are saving, how much you are spending, how aggressively you are investing, and when your target retirement date is.

Modeling such behaviors will make it more likely you will be well prepared for retirement. By doing so you will also make it more likely that you are properly assessing the state of your retirement readiness and not over- or underestimating your financial health.


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Picking a health insurance plan? Prepare for the unexpected

11/6/2017

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Picking a health insurance plan? Prepare for the unexpected

(BPT) - As many Americans know, fall is the season when we must select our health benefits for the upcoming year. Choosing a health plan can be a daunting task, but selecting the right coverage protects you and your family's general health needs and can prepare you for an unexpected medical crisis. While no one plans on receiving a blood cancer diagnosis, for example, an estimated 173,000 Americans were diagnosed with leukemia, lymphoma or myeloma in 2017. As there are no means of preventing or early screening for most blood cancers, a diagnosis can often appear without warning. Well-planned health insurance coverage can make an important difference in how patients can fare in fighting the disease.


This year's open enrollment season, which runs approximately from October to December, is your opportunity to consider your health benefits and plan ahead. With the cost of care for major health events and severe illnesses increasing every year, you will want to select a health plan that ensures you and your family are prepared in the case of a health emergency. The Leukemia & Lymphoma Society (LLS) offers three tips to consider when selecting your 2018 health plan.


Compare physician and hospital networks: Be diligent when choosing a plan. While it is important to compare plan prices, including co-payments, deductibles and premiums, it is equally important that your primary care doctor and any specialists you visit are part of the plan's network. Not all plans cover every doctor, hospital or comprehensive cancer center near you, so review the plan's network list carefully. You also can call your doctors and hospitals to ask if they are in the plan's network. If your spouse or children are on your plan, you will need to consider their physicians as well.


Prepare for the unexpected: No one expects to receive a serious diagnosis like blood cancer, but it helps to be prepared. The cost of cancer care is rising at an alarming rate and these costs include more than drugs and doctor visits. From diagnostic tests to hospitalizations to special home health equipment, there are many hidden costs to having a serious illness. In fact, a recent survey conducted by Russell Research on behalf of The Leukemia & Lymphoma Society found that 84 percent of adults are not sure how they would cover all medical costs if they were diagnosed with cancer. That's why it's important to ensure that you have the coverage you'll need at an affordable cost.


Pay close attention to the numbers: As you evaluate your coverage options - whether through an employer, Medicare, spouse or your parents - it's important to estimate your health care costs for the following year carefully. Understand what your deductible and co-pays will be and take stock of where coinsurance will be required; review your health bills from the previous year to guide your choice, but make sure you are covered for unexpected health issues as well.


If you purchase health insurance from the federal or state marketplace, the plans you are offered will depend on your location and income. It is very important to make sure your personal information is accurate and up-to-date on the federal website, HealthCare.gov, or on your state's website. Depending on your income, you could qualify to save on your insurance through advance premium tax credits. In fact, 8 out of 10 people who purchase insurance through the marketplace are eligible for lower premiums. Open enrollment in the marketplace will run this year from Nov. 1 through Dec. 15.


If you or a family member had or has cancer, or are at risk for cancer, there is a checklist available at www.cancerinsurancechecklist.org that can help you choose the right plan when shopping on the health insurance marketplace. The Leukemia & Lymphoma Society also provides free information and resources about health insurance coverage for people living with cancer at www.lls.org.



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