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John F. O'Hara

John F. O'Hara
731 W Skippack Pike  Blue Bell  PA 19422
Phone:  610-277-4060
Office:  215-643-3200
Cell:  267-481-1786
Fax:  267-354-6973

My Blog

4 Ways to Stretch Your Health Benefits

January 31, 2017 1:36 am

(Family Features)--Often, employees enroll in medical insurance plans for protection against unpredictable events, sudden illness or serious health concerns that may result in expensive medical bills. Getting the most from your benefits requires understanding coverages and deductibles, as well as taking advantage of voluntary benefits, like dental, vision and hearing, to stay healthy and save money.

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.

Remember that these accounts are not a substitute for the coverage provided by voluntary benefits.

Source: ameritasinsight.com.

Published with permission from RISMedia.


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5 Ways to Stick to Your Fitness Goals

January 31, 2017 1:36 am

Do you keep making fitness goals only to give up after a few months, weeks, or even days? You may be setting yourself up for failure. Read on for five ways to set yourself up for success with your fitness goals, whether they’re big or small.

Go to bed earlier. If you want an early morning wakeup or the energy for a post-work  workout, go to bed earlier to feel more rested in the morning.

Sleep in your workout clothes. This may seem a bit extreme, but for many, this tip is oddly helpful. Sleep in your gym shorts so you have one less step to take in the morning (after you hit the coffee pot, of course).

Enlist a buddy. Whether it’s a trainer, colleague or your best friend, having someone waiting for you at the gym or track will ensure you show up.

Pay yourself. Give yourself $1 or $2 for every workout you make, and subtract $1 or $2 for every one you miss. Save up for a dream vacation or a special splurge. Can’t seem to get this rolling? There are apps for that! Check your app store for fitness accountability apps.

Find a fun workout. If running seems worse to you than doing 10 straight hours of dishes, choose a different fitness activity. Do you enjoy yoga or swimming? Do that instead. By focusing on tasks you enjoy, you will be more likely to stick with it.

Published with permission from RISMedia.


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