by admin | Oct 13, 2020 | Health & Wellness
In a world where viruses run rampant across the globe and healthcare costs are skyrocketing, there is an easy way for you and your family to stay healthy—preventive care services.
Preventive is defined as “used to stop something bad from happening.” Preventive care is care that thwarts off illness or disease thanks to regular check-ups, counseling, and screenings. When you subscribe to a health plan—regardless of whether it’s one offered by your work or one you purchase in the marketplace—most plans will include an array of preventive care services free of charge. So, where do you start with accessing these services? It’s easy!
Easy as 1-2-3
As long as you have subscribed to a health plan after 2010, those plan providers are required by law to offer basic preventive care services to you and those covered by your plan with no additional copay, coinsurance, or requirement to meet a deductible. By utilizing this free resource, you are setting yourself up for greater health success—and it’s as easy as 1-2-3!
1. Visit your doctor for annual checkups.
Annual exams allow doctors to identify disease earlier and manage chronic conditions closer. They also help your doctor to track any changes in your body over the years so that, should a disease or illness befall you, there is background data from your preventive care to refer to as they prescribe treatment. An easy way to remember to schedule these annual doctor appointments for both you and your family is to plan them around your birthday each year. This is also helpful for the doctor because as you age, you need additional health screenings so they can have those recommendations ready for you at your annual appointment.
2. Stay up-to-date on immunizations and boosters.
Just as an infant has an immunization schedule that the pediatrician follows to bolster the child’s immune system, so do older children and even adults. For instance, before children enter a certain grade in school, they may be required to have a meningitis booster. Tetanus shots are only good for 10 years so once a decade, you’ll need to get a booster for this disease which also may include the diphtheria vaccine and sometimes one for pertussis. As you age, you may need the shingles vaccine and other shots for prevention of pneumonia or the flu.
3. Follow a care schedule for additional age-related screenings.
Because you are visiting your doctor annually for regular checkups, they will likely alert you to any additional screenings they recommend. For instance, women ages 40-44 can begin getting mammograms to help detect breast cancer. After age 44, it is recommended they get this screening annually. If you want to be pro-active and keep track of these additional screenings yourself, there are tools online to do so.
MyHealthfinder is a site coordinated by the US Department of Health and Human Services. Simply enter your age and answer a few easy questions, and the site will cull a list of suggested screenings for you.
PublicHealth is another site with suggested preventive care services. They have created a lifetime care schedule, broken into age brackets, with lists of screenings recommended for each age by the National Institute of Health (NIH).
Keeping you and your family on the right track for health and wellness is not hard! By follow these three simple steps for your health care, you can significantly affect your health in the future. It’s as easy as 1-2-3!
by admin | Oct 1, 2020 | Benefit Management, HSA/HRA
Health Savings Accounts (HSA) are great ways to save tax-free money for medical expenses both in the current term, and for your retirement years. By making wise choices, you can maximize the benefit of these fantastic savings accounts. Let’s take a quick look at the basics and then explore some tips on how to make your HSA money grow.
What is an HSA?
According to the website HealthCare.gov, a Health Savings Account is a type of savings account that lets you set aside money on a pre-tax basis to pay for qualified medical expenses. By using untaxed dollars in an HSA to pay for deductibles, copayments, coinsurance, and some other expenses, you may be able to lower your overall health care costs. HSA funds generally may not be used to pay premiums.
In order to contribute to an HSA, you must be enrolled in a High Deductible Health Plan (HDHP). A HDHP is defined as a plan with a higher deductible than a traditional insurance plan. The monthly premium is usually lower, but you pay more health care costs yourself before the insurance company starts to pay its share (your deductible). A high deductible plan (HDHP) can be combined with a health savings account (HSA), allowing you to pay for certain medical expenses with money free from federal taxes.
HSA vs Traditional Insurance
As mentioned, you are able to open a Health Savings Account when you enroll in your employer’s High Deductible Health Plan. A HDHP is different from traditional insurance in that with traditional insurance, you and your employer both contribute to the cost of your health insurance each month—otherwise known as the premium. You then have a fixed cost—a “co-pay”—that you pay when you visit a doctor, pay for prescriptions, or have a health procedure. With a HDHP, the patient is incentivized to shop around for lower cost doctor visits and procedures since they are paying for those costs out of their pocket at the full amount from the beginning until the high deductible amount is met.
Now, when used in tandem, the two components of the HDHP and the HSA have the potential to save the insured party money on their health care expenses. Here’s how it works:
- Contribution Limits
Each year, the government puts a cap on the amount of money that an individual and a family can contribute to their HSA. For 2020, an individual can contribute up to $3550 and a family can add in $7100 to their account. In 2021, the amounts both increase: individuals will be $3600 and families will be able to deposit $7200.
- Triple Tax Benefits
When you contribute to your HSA, your money gets a triple tax benefit. There is a 0% tax on deposited money, your money grows tax-free while in the account, and, when used for qualified medical expenses, you can withdraw the money tax-free.
- Roll-over
The money that you deposit into your HSA is yours to keep–forever. If you change jobs, the money follows you. If you don’t use the money you’ve contributed by the end of the year, it rolls over to the next year with no penalty.
Tips to Maximize the Benefits of Your HSA This Year
Don’t be complacent to let your tax-free hard-earned money simply sit in your HSA all year! You can by making some wise choices. Here’s some tips on how to do this:
- Do you get a bonus at the end of the year? You can use that bonus money to bulk up your HSA until April 15 of the following calendar year. Just make sure you don’t contribute more than the annual allowed amount or you will pay a 6% tax on the overage.
- Once you hit the minimum contribution amount for your particular plan, you can invest a portion of the contributions in an IRA account and watch your tax-free dollars grow even more! Check with your plan manager regarding the minimum amount required.
- There is a once-in-a-lifetime allowance for you to move money over from a traditional or Roth IRA to your HSA. This allows you to kickstart that HSA so that you can begin using that money for expenses right away. The annual contribution limit still applies to this scenario for the individual and family amount.
- Long term care insurance is expensive and you can use your HSA money to help pay for those insurance premiums. Again, check with your plan manager to make sure you are staying within the allowed range for using this money for those premiums.
- Finally, name your spouse as the beneficiary of your account. When you pass away, your spouse will have access to these funds with the same tax benefits as you did. In fact, your HSA money can even continue to grow tax-free after you pass.
Finding ways to save money is always a good idea. Finding ways to maximize the benefit of your already saved money is even better!
by admin | Sep 28, 2020 | COVID-19, Group Benefit Plans
In light of the COVID-19 pandemic, the healthcare system in the US has changed. More and more, people are seeking out telemedicine services versus the traditional brick and mortar physician’s office. This trend also includes telemental health services as well. So what are the advantages of these services and how are they growing to meet the need?
Pandemic Launch
The COVID-19 pandemic definitely thrust the use of telemedicine forward but many health care providers have been using this type of service for years. What the pandemic did do is encourage patients’ use of the telehealth services already in place. Telehealth is defined as “the practice of communicating electronically with a physician, typically via telephone or video chat.” While our hospitals and doctors’ offices have been overcrowded with very sick COVID-19 patients, use of telemedicine has allowed the burden felt in these locations to be lessened. Patients call in for routine exams and are many times seen and treated faster than if they came in to the physical office location.
Advantages to Telehealth Services
According to a survey by FAIR Health, there has been a 8,336% increase nationally in the use of telehealth from April 2019 to April 2020. Advantages of this increase and use include:
- Enabling patients to follow shelter-in-place restrictions by staying home and away from hospitals, except for emergencies
- Minimizing risk to health care workers and patients by limiting exposure to the coronavirus and other diseases
- Facilitating services for chronic patient monitoring, follow-up visits, therapy appointments and post-operative care
- Employees see the offering of telemedicine benefits as a huge priority in examining employment options
Advantages to Telemental Health Services
Like Telehealth services, use of Telemental Health services have also increased this year. A recent mental health survey says that 7 in 10 employees cite the COVID-19 pandemic as being the most stressful time in their careers. Caring for children who are out of school, caring for loved ones, financial issues, and stress from job changes are some of the issues that employees are facing. Business owners see the benefit of telemental health as their employees’ access these services in higher numbers. High levels of stress have been known to result in lower productivity, lower morale, and higher absenteeism. Advantages for telemental health include:
- The provision of telemental health services to patients living in rural and under-served areas has significantly reduced psychiatric hospitalization rates.
- Low-income, homebound seniors experienced longer lasting effects of telemental health than those who received in-person mental health services.
- Mental health providers rarely have to perform any physical services on their patients, so telemental health is more plausible than other types of telehealth services.
- There is little or no difference in patient satisfaction with telemental health when compared with face-to-face mental health consultations.
- Although mental health professionals are in short supply, mobile devices are not.
There are some significant advantages to the use of telemedicine services. Zywave explains, “Virtual healthcare is emerging as a viable solution to help lessen the burden on healthcare facilities and staff while still providing individuals with the care they need.” Tele-services also reach more of the under-served population both for health care and mental health care. As consumers gain confidence in virtual living, the call for telemedicine will also grow.
by admin | Sep 15, 2020 | Human Resources
The prospect of corrective action or termination makes a lot of managers nervous. That’s understandable. For employees, being disciplined or losing their job can be anything from moderately embarrassing to financially devastating, but it’s rarely a happy occasion. For the employers, these actions always come with some risk, and there are plenty of legal danger zones an employer can end up in if corrective action isn’t done properly.
Here are some tips from our HR Advisors to help you avoid these pitfalls and make corrective action productive for everyone:
Everyone in the organization, but especially those responsible for disciplining or terminating employees, should understand exactly what the organization’s policies are. When policies aren’t clear or people don’t understand them, their enforcement can become inconsistent and subject to bias. In these circumstances, discipline and termination will appear unfair. Worse, they may open the organization up to costly discrimination claims.
Managers should follow consistent disciplinary practices. Management meetings are a good time for the leadership team to make sure they’re using the same practices for discipline and termination. Inconsistencies in the organization, as noted above, can lead to allegations of discrimination.
Investigate allegations before you act on them. Sometimes, in a rush to correct wrongdoing or poor performance, a manager will discipline an employee after hearing only one side of the story. For example, a restaurant customer complains about rude service, and the server is immediately terminated and given no chance to explain what happened from their point of view. Such adverse actions tell employees they can be penalized even if they do nothing wrong, causing them to feel resentment, fear, and distrust. And the manager can find themselves in an awkward termination meeting if the terminated employee can prove then and there that they didn’t do what they were accused of doing.
Written warnings are best drafted by the manager and reviewed by HR. An employee’s manager often has firsthand knowledge of an infraction or unacceptable performance, so they’re in the best position to draft the written warning. HR can collaborate with the manager by reviewing the warning, ensuring that it is factual, unemotional, thorough, clear, tied to a company policy, and consistent with how others have been given written warnings previously.
Corrective action is best done by the employee’s direct manager. When corrective action is delivered by the manager, it tells the employee that the manager is invested in the employee’s success and is willing to help the employee improve. Leaving corrective action to HR tells employees that they’re “someone else’s problem” and that their manager may not be fully vested in the company’s policies and practices. It also creates an unnecessarily adversarial relationship between employees and HR, which can undermine HR’s ability to make positive, company-wide changes.
During a disciplinary meeting, a witness can help document what was said and done as well as provide logistical details. Not every disciplinary meeting needs a witness, though, especially if the issue is a minor one, or it’s a first conversation about performance issues. In these cases, whether to have a witness present can be left to each manager’s discretion. A witness is more useful for a meeting that is likely to escalate, either due to the nature of the issue or discipline, or the temper of the employee.
Fairness and courtesy can go a long way, even when termination is necessary. No termination meeting will be pleasant, but they’re often more unpleasant than they need to be. Good practices here include being honest and clear about the reason for termination, not relying on being an “at will” employer to avoid telling the employee why they’re being let go (they’ll generally assume the worst), and holding the meeting privately and at the end of the day so that the employee can clean out their desk and exit the workplace without an audience. Whatever a manager can do to help the employee leave with their dignity intact will be helpful in preventing future issues with the now-former employee.
Discipline and termination can be in the employee’s best interest—allowing bad behavior and poor performance to go on unaddressed does them no favors. If an employee isn’t doing a good job and is unable or unwilling to improve, they’re not helping the employer, their teammates, or themselves by staying in the organization. Chances are good that they’d be more successful and happier doing something else for someone else. And that’s okay!
Originally posted on thinkhr.com
by admin | Sep 9, 2020 | Human Resources, Work From Home
When quarantine officially came into effect, thousands of businesses with no remote work policy in place scrambled to piece together teleworking procedures robust enough to handle the complications of COVID-19. For many it was a learning process, a time of continual adjustment to find the right solutions for their organizations. Quarantine has now been in effect for several months now, and many departments have gone from growing pains to smoothly operating remotely.This means the re-emergence of non-crisis operations, like assessing your organization’s current talent and possibly filling in open positions. If your organization is at this point, you’re probably going to be conducting virtual job interviews soon—a daunting prospect for even the most seasoned HR professionals. No matter how skilled you are at conducting interviews, replicating an in-office meeting over Skype or Zoom can be a tricky needle to thread. Here are a few tips for conducting virtual interviews.
Maintain “Digital Eye Contact”
A crucial factor for in-person interviews, the importance of eye contact in an interview doesn’t disappear just because it’s over video conferencing. When maintaining eye contact in person isn’t possible, interviewers should keep their eyes trained on the camera, rather than on the candidate’s video feed. Some video conferencing software also displays an image of the person using it—I think we’ve all caught ourselves staring at our own image during a Zoom, Skype, or FaceTime, instead of the person talking. It’s easy to get distracted on remote calls, so be aware of where your eyes are focused.
Check Your Posture
As always, you’ll be a more engaging interviewer if you’re sitting up straight and exhibiting an alert, attentive posture. For virtual interviews, you should also consider leaning slightly forward to show interest in what the candidate’s saying. Leaning forward may be overkill for in-person interviews, but it’s advisable given the added barrier and distance of a video call. Just be sure to not to get too close to the camera—about an arm’s length away will suffice.
Limit Gesturing
Gesturing is an essential part of conversation, adding an important dimension to the way we communicate. While animated talking and gesturing helps provide context and additional information when we’re conversing in real life, it can be distracting on a small screen. Try to limit expressive hand motions so that the interviewee can focus on what you’re trying to communicate.
Consider On-Demand Interviewing
Despite the wide availability and ease of video conferencing, many concede it still fails to replicate the experience of an in-person interview in a satisfying way. For that reason, some companies have been experimenting with alternatives to interviews over Zoom or Skype. These include on-demand interviewing, where candidates record their responses to interview questions at their own convenience. “Instead of scheduling interviews during limited windows of time during business hours, recruiters can effectively interview larger volumes of candidates in a shorter period of time, effectively eliminating the bottleneck that often challenges that part of the hiring process.” explains HRMorning’s Tim Ilhefeld. If video conferencing interviews still aren’t cutting it for your organization, you may want to consider on-demand interviewing instead.
By Colleen Kucera, President at United Benefit Advisors
Originally posted at blog.ubabenefits.com
