Tips for self-care this holiday season

The holiday season is well underway, and for most Americans that means elevated stress, and with increased stress can come sickness, fatigue and depression. Fight the holiday slump this year with these tips for self-care this season.

There are many reasons people feel more stressed and blue during the holidays. There are more activities, pressure to meet families’ expectations, reminders of friends and family you may have lost, and shorter, darker days can exacerbate it all.

That’s why it’s increasingly important for everyone to take time for themselves to make sure they can truly enjoy the festive season. Try just one of these activities this year to see if it helps improve your mood and enjoyment of the season.

  • Keep your exercise routine – With a busier schedule, for most people one of the first things to go is their typical exercise routine. But with all the added activity and dietary indulgences, exercise becomes that much more important as a way to destress and  burn off excess calories.
  • Protect your sleep – Just like exercise, sleep tends to  be something we sacrifice during the holidays, but sleep helps your body recover and keeps your mood up. It’s difficult to enjoy family and friends’ delightful little quirks when you’re exhausted from the activities of the week.
  • Throw out expectations – There’s a lot of pressure at this time of year to create and capture “magical moments” to make a perfect holiday experience. Unburden yourself from these expectations, and you will have an easier time enjoying the moments for what they are.
  • Feel (don’t eat or drink) your feelings – The holidays inevitably bring up strong emotions, including anxiety about new relationships, reminders of family losses or pressure of entertaining relatives. In all of these instances, the instinct can be to eat or drink more than usual. This year try to remind yourself that all of this is normal and try to live in the discomfort of the moment, rather than run from it.
  • Keeps snacks and water with you – This may not be something you do the rest of the year, but in all the hustle and bustle of holiday shopping, holiday parties and end-of-the-year work expectations you may find yourself out and about having forgotten to hydrate or eat. Keep a high-protein snack in your car or bag as well as a water bottle at the ready to avoid this.

The most important advice for this time of year is really just to give yourself a break. Don’t have enough time to make cookies from scratch? Get some from the store. Too tired to go to a third family holiday dinner? Send your regrets and relax. Caught up worrying if people are having fun at your party? Assume they are and catch up with a friend or family member instead.

All of these are hard to put into practice, but you’ll be thanking yourself come January if you’ve been able to find the joy in the holiday season.

Tips for this article were taken from:
Psycology Today
Lifehack.org
Motherly

Is supplemental coverage right for your company?

Open enrollment has almost arrived, and for most companies that means taking a look at their coverage options. There is one extra question every company should be asking themselves this year: should I be adding supplemental insurance to my benefit plan?

Supplemental insurance is extra or additional insurance you can purchase to help pay for services and out-of-pocket expenses that regular insurance does not cover. Some plans reimburse for expenses incurred, while others pay specific amounts regardless of how much you have paid out-of-pocket. So many people with these policies even get a little extra cash in their pocket in addition to their services paid for.

Examples of policies are Critical Illness, Short-Term and Long-Term Disability, Dental, Vision, Life, Accident and more.

We recommend to all of our clients that they add supplemental insurance to ensure employees are truly taken care of in their time of need. Supplemental plans are typically inexpensive and pay quickly so employees can start using the funds to pay incurred medical bills, seek additional treatment or supplement lost income as a result of injury or sickness.

They can also be a great employee recruiting and/or retention tool. In a competitive job market, benefits can be one of the biggest reason an employee chooses to stay at or join your company. Supplemental benefits are not offered by all employers, though they are easy to set up and require little administration from an employer.

One of the best parts about ClaimLinx’s Simple Option Solution is that it creates savings, which companies can use for any number of improvements. It’s a great opportunity to add these policies at no additional cost overall to the company. Employers can select plans for employees or offer employees a monthly dollar amount so they can choose the plans that fit their needs.

These plans pay employees when they need it most. Catastrophic incidents can leave families with thousands of dollars in bills, even with a good insurance plan. Using savings to buy these plans shelters employees from this problem at no additional cost to you.

We tell clients to think of their overall health plan like raising a roof. The major medical plan is the frame that holds it all together. The Section 105 MERP is the outer layer of shingles that prevents leaks and is the part people experience day to day. Supplemental plans are the insulation that keep people protected, warm and comfortable.

Contact sales@claimlinx.com if you’re an employer looking to explore adding supplemental insurance to your plan. Or visit www.claimlinxmarketplace.com to see your options for a supplemental plan.

See ClaimLinx’s Complimentary Elite Services for clients

When it comes to offering a quality health plan, ClaimLinx doesn’t stop with simply writing insurance and administering benefits. Our service team provides more to each client and member because that is what is needed to get the most of a company’s benefits plan.

Now listed on our website are all included services as a part of setting up a Simple Option Solution health plan, the flagship product that allows businesses to offer a comprehensive health plan at a much lower cost.

See details on included services such as medical claim negotiation, medical claim reporting and analysis, member and administrator portals, online application, prescription rebates and coupons and so much more. All of these services are provided as a part of our role as consultant, agency and/or third party administrator.

We know that the work of administering a benefit plan doesn’t stop at the effective date. In fact, that can be just the beginning. That’s why we have added all of these services for clients to take advantage of our team’s expertise. We offer education meetings and materials for all members and administrators because we know how challenging navigating the health insurance industry can be.

It’s our highest priority that our clients are able to get full use of their health insurance. It’s not enough simply to buy great benefits at an affordable cost; members have to be able to use the benefits too.

Some of our clients already know how useful these additional services are. They request reporting to make sure they’re staying on top of any opportunities for additional savings in the future. They refer members with expensive drugs to our service team to search for drug programs that offer coupons or pharmacy locations with cheaper rates. They schedule educations meetings for members to help with the transition to a new benefits plan. If you’re not taking advantage of these services, you’re not receiving all that ClaimLinx has to offer.

Contact the ClaimLinx service team at service@claimlinx.com if you’re an existing client and want to take advantage of some of these services.

Or contact our sales team at sales@claimlinx.com if you’re not currently a client and would like to make the switch to quality benefits at a lower cost.

Explore dental coverage for oral health month

When it comes to dental hygiene and overall oral health, there is nothing more important than regular checkups with a dentist, but without dental coverage affording consistent preventative visits can be a struggle.

June is oral health month, the perfect time for business owners to look at their dental coverage and evaluate if they are offering employees all the benefits they need to remain healthy.

Employers can add dental coverage to their plan at any time during the year; they do not need to wait for their health plan renewal. ClaimLinx will consult with any client on the best option to fit a company’s needs and budget.

One option is to set up a traditional supplemental insurance policy for dental coverage through a major carrier, such as Guardian, Aflac, National General, Delta Dental and more. Another is to use ClaimLinx’s third party administrator services to set up a self-funded dental plan in which employees are reimbursed for qualifying expenses.

The American Dental Association recommends people brush their teeth at least twice per day, floss at least once per day and visit the dentist twice per year for a cleaning and checkup.

Twice annual visits are especially important, because they keep oral health costs low by treating an issue before it escalates. It is estimated that for every dollar spent on preventative care, a person can save between $8-$50 in restorative and emergency treatments, according to a study at the University of Illinois.

But many Americans are forced to put off these visits or early treatment because of out-of-pocket costs or because they do not have dental coverage at all. The same study estimates 1 in 4 American adults have untreated tooth decay.

Offering dental benefits can often be a simple and relatively inexpensive way to improve overall health coverage, which gives employees the peace of mind and fiscal confidence to continue consistent checkups. It is the best way to ensure one of your employees does not become one of the 36% of American adults that has gone more than one year without a dental checkup, according to the Center for Disease Control.

Contact sales@claimlinx.com if you would like to start a conversation about your company’s dental coverage.

 

Employer portal aids human resources administration

The ClaimLinx employer portal is a resource available to all clients with an SOS Solution plan. It is a key part of administering the plan, as it includes important forms and resources.

Maintaining and administering a health insurance plan can be a challenge at small businesses that do not have the staff resources or need for a dedicated person to the benefit plan. That is why we try to make it as easy as possible to work with ClaimLinx by providing all necessary documents on the private employer portal.

Owners and administrators can login to the portal at any time where they will find:

  • Plan enrollment forms
  • Administrator manual
  • Company schedule of benefits
  • Termination form
  • Member packets

Once logged into the portal, administrators will find recently updated forms under the “Other Documents” section. If you have never logged into the employer portal or need assistance logging in, contact the service team at service@claimlinx.com.

We encourage administrators to use this portal as a way to ensure they are always using the most up-to-date forms for new employee enrollment, as using out of date forms can slow the enrollment process.

Please be advised this is a service provided only to clients with a ClaimLinx SOS Solution Plan. If ClaimLinx is your insurance agent only, you do not have access to or need for these additional documents and resources.

We are constantly looking for more ways to improve our services for administrators, so if there is a document or resource you would like to see added to the employer portal please let us know.