How To: Shop for Health Insurance

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A few weeks ago I was talking with my sister about future planning. We are both are moms that work from home and have a love for a good game plan. Health Care is one area that we spent a great deal of time discussing because, lets be honest, it can be a sticky, confusing and overwhelming topic. None the less, HC is so important and has gone through a major overhaul as of late.

While I know it is far from a ‘sexy’ topic and doesn’t come with fancy editorial pictures, health care is even more important because lets face it, we are adults and have to talk about things like health, retirement and 401ks.

When Phil and I sat down to discuss our options for 2015 I had a million questions and if there is one thing I hate it is not being in the know. I never want to make a decision (especially such an important one!) without all of the information and facts.

Speaking of facts, did you know that 87% of health applicants missed out on discounts and savings last year? Not good. No one wants to leave money on the table. So often we are missing out on the benefits and savings we can score with health insurance with just a little info.

After some time doing my homework, I found some awesome resources from United Health Care that really helped me understand the ins and outs of health care, how I can lower my health care costs and select the best coverage for my needs.

Health Care Glossary

One reason I wanted to breach this topic on the blog is because like me, I know how important health and wellness is to my readers! And that is nothing but a good thing when it comes to insurance because your premiums will be lower. Preventative care is something I am a huge fan of and insurance is getting on board actually paying for and paying you to be healthy. Yes!!

To break it down, the experience is a bit like car shopping; you have to decide what size, functions and price point best fit your needs.

Find the Best Deal

Health plans are annual (think about a lease for your car) and there are only a few ways to switch, whether a major life event occurred or its open enrollment time. It’s important to look at deductibles, co-pays, premiums and maximum out-of-pocket as well as the what is covered when comparing health plans. Think about your family and what kinds of things you see doctors for, get prescriptions for, or have operations for. Your health insurance costs can be affected by how much coverage, deductibles, and co-pays you take.

Get Shopping

http://www.uhc.tv/uhc_video/shopping-for-health-care-services

 

Go reap the benefits of your healthy lifestyle! Happy shopping!

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 This post was sponsored by Untied Health Care but all opinions are my own.

Reading, Wearing, Watching, Listening, Eating

Good morning and TGIF! And a very happy four month birthday to my little one!

I have a lot of fun to share with you on Monday, but until then lets dig into some Friday Favorites!

Reading…

amypohler

…ok, I have not technically started, but I just picked up “Yes, Please” by Amy Poehler and cannot wait to dig in. The reviews are fantastic and I really enjoyed reading Mindy Kayling and Tina Feys’ books so I am looking forward to starting this weekend.

Wearing…

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….Phil’s old college sweatshirt. He gave me this sweatshirt when we first started dating and I still love to snuggle up in the over-sized top.

Watching…

…two words, Parenthood finale. I don’t want to say good-bye to the Bravermans!

Listening…

mariefolio

…podcasts and vlogs! I’ve decided to reduce my time on my phone tinkering on social media and instead listen to more educational and informative sources. Some of my favorites are Jillian Michaels podcast, Marie Forleo vlog and NPR.

Eating…

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Superfood Protein Bites! I am full on in love with these as my afternoon pick-me up. OK, I may snag another one before bed, too.

 

What are you…

…reading?

…wearing?

…watching?

…listening?

…eating?

What are your plans for the weekend?

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Linking with Heather and Clare!

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“How To…” is a new series I have on le blog this year. Do you ever wonder how to do something such as make the perfect roast chicken, find your skin tone or select the perfect pineapple? I love to learn these tips and tricks so I am going to share what I learn with […]

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Here’s what I ate on Monday! Breakfast – Recently I have been an oatmeal monster, so it is funny to catch me on a day not grabbing a bowl. Phil was off of work on Monday so I was able to go to the gym a bit later. I snacked on a homemade protein muffin […]

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The winter months certainly do a number on one’s motivation. Nothing like encouraging people to stay in their Lulus and Netflix the day away. But alas, working out is something I love to do and despite Mother Nature’s best attempts, I have managed to start back into my workout routine postpartum. Over the last few […]

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