Benefits & Me – February 2022

Posted By: Team Moody,

Managing Chronic Conditions

According to the Centers for Disease Control and Prevention, 6 in 10 adults have a chronic disease – and 4 in 10 have two or more.  Major chronic diseases in America include heart disease, cancer and diabetes.  If you’re coping with a chronic condition, you can take charge and manage it with these strategies:

  • Study your chronic disease – The more you know about your condition, the better you’ll be able to understand and make treatment decisions.  Lean on trusted and science-backed sources.
  • Build your team – Seek out experts to provide guidance and support on certain aspects of your health.  Your primary care physician can help piece everything together from specialists and nurses.
  • Keep up with your medication – If you’re having trouble managing your medications during the pandemic, consider pharmacies with a drive-thru option or sign up for a mail-order pharmacy.
  • Commit to healthy lifestyle habits – Many chronic diseases are caused by tobacco and alcohol use, poor nutrition and physical inactivity.
  • Control your stress – Fear and anxiety are natural, especially after a diagnosis.  However, stress can take a toll on your emotional and physical health, so managing your stress in healthy ways is crucial.

In a time when health care costs are rising at a rapid rate, it’s crucial that you do your part to keep chronic conditions at bay or effectively mange them.


The Basics of Vision Insurance

Vision coverage, a common voluntary benefit, is similar to regular medical insurance.  Vision coverage is available in two basic types of plans:

  • Vision Benefits Plan – This type of plan is regular insurance coverage, and coverage may differ between in- and out-of-network providers.  You’ll typically pay a portion of your eye care cost through a deductible and coinsurance or copayments.
  • Discount Vision Plan – With this option, you can choose to reduce vision care costs without regular insurance coverage.  You pay for all your vision care at a reduced rate.

Routine eye exams can help maintain your vision and detect eye problems and overall health concerns.  Obtaining vision insurance is a way to ensure you can continue enjoying good eye health and the sights around you.


HSAs and You

Health savings accounts (HSAs) are a tool for managing your out-of-pocket health care expenses.  You are eligible for an HSA if covered by a high deductible health plan (HDHP).  Consider the following benefits of an HSA:

  • Cost savings – You could earn triple-tax benefits.  That means you put money in tax-free, it accrues interest tax-free, and you can withdraw it tax-free for qualified medical expenses.
  • Long-term financial benefits – You can save for future medical expense and budget your contributions.  Unspent funds roll over each year, making it a powerful retirement savings vehicle.
  • Choice – You control and manage your health care expenses and choose when to use your HSA.

Talk to Human Resources to find out if an HSA is available to you.




The information in this newsletter is intended for informational use only and should not be construed as professional advice. © 2022 Zywave, Inc. All rights reserved.