Confronting Stress

Hospital work often requires coping with some of the most stressful situations found in any workplace. On a daily basis, you must deal with life-threatening illnesses and injuries, tight schedules, paperwork, intricate equipment, demanding patients and death. Taking steps to relieve job-related stress is important to protect your mental and physical health as well as to ensure success on the job.

Know When You’re Stressed

Look out for early symptoms of stress and take steps to relieve them quickly. If you let them go unchecked, these symptoms can develop into more serious health complications such as heart problems, depression and anxiety. Be wary of the following stress symptoms:

  • Insomnia
  • Short temper
  • Headaches
  • Upset stomach
  • Sore back
  • Job dissatisfaction
  • Difficulty concentrating
  • Increased errors

Combating Stress on the Job

Staying stress-free may not be easy, but it isn’t overly difficult, either.

  • Prioritize. When you begin your shift, decide which are your most important tasks, and begin with those. Concentrate on other tasks only when you have finished.
  • Make sure you are clear about the definition of your role and responsibilities. Ask your supervisor if you have any doubt.
  • Stay organized.
  • If you are troubled by your exposure to death and chronic disease, seek counseling. Talking about it with a nonjudgmental person can be very relieving.

Combating Stress off the Job

A successful health care employee is able to balance his or her work with a personal life.

  • Make time for friends and family, as spending time with those you love will help you unwind.
  • Live a healthy lifestyle. Exercise, eat well and sleep at least eight hours a night.
  • Spend time on outside hobbies, interests or passions. This will help you detach from the work environment and reduce your stress.

Perspective

Reassess your working environment. If the stressors of your current position are too much for you, consider transferring to another department of the facility. Talk to your supervisor to discuss ways  can help you combat stressors in your specific situation.

Health Insurance for College Students

As a college student, you have a variety of plan options, and it is in your best interest to examine the benefits and drawbacks of each one:

Learn about the importance of health insurance and about your options as a college student

  • Parents’ Health Insurance Plan: Individuals up to age 26 who are not eligible for group coverage outside their parents’ plan are entitled to coverage on their parents’ plan. This can be a convenient option because all billing and claims are handled by your parents. However, if you attend school in a different state, your coverage levels may drop, and it may be more expensive than other coverage options.
  • School-sponsored Health Insurance Plan: Many schools offer insurance plans for full-time students. They tend to be relatively affordable and convenient, as medical services are often available on campus. However, the plan may not cover services you receive off campus and may have limits in the coverage. This plan also will drop your coverage if you graduate or drop below full-time student status.
  • Student Health Insurance Plan: Full-time students ages 17-29 at a state-accredited college are eligible. One major advantage is that coverage travels with you if you go to school in a different state. But, it may be more expensive than individual health coverage, may not be available in your state and you may be declined based on your medical history.
  • Individual Health Insurance Plan: Most states offer several affordable options with a range of benefit options, and the biggest advantage is that you can keep this coverage after you graduate or drop credit hours. One downfall is that medical claims may not be paid at the highest level when at home if your family lives in another state, and you could be declined coverage based on your medical history.

How to Make the Best Decision for You

In order to choose the plan that is best suited to you and your situation, consider the following criteria:

  1. Health Benefits: Make sure you know what benefits each plan you’re considering offers. Buy only what is important to you, but don’t skimp on benefits that you truly need.
  2. Costs: Consider which plans match your budget in terms of premium, deductible, copayments and coinsurance.
  3. Physician Network: If you have a preferred doctor, make sure to check which plans include him or her in their physician network.
  4. Brand: Are there brand-name carriers that you prefer or would like to avoid

We’re Here to Help

We make sure that you are informed about all your coverage options so you can make the best choice for your health and budget.Consult with Peoples First Insurance Services, LLC today!

Peoples First Insurance Services, LLC

www.pfinsurance.com

8507707047

2020 Open Enrollment Period and What You Need To Know

It’s surprising to find out a lot of people don’t realize that individuals not offered health insurance from their employers (or their family member’s employer) have a fixed period of time to buy health insurance or to make changes to their existing policy for the upcoming calendar year. If you miss the window, you won’t be able to pick up coverage that covers pre-existing conditions, for example, until this same time next year, effective January 2021.  So, what are you waiting for?

Open enrollment for on-marketplace plans begins on November 1, 2019, although there are some people who can purchase insurance starting October 1st .  We all know health insurance is important.  If you find yourself uninsured because your employer does not offer health insurance and frankly, you just can’t afford the age-based premium, we can assure you finding yourself on the losing end of an unexpected $89,000 hospital bill is no fun.    

Did you know that an estimated two million Floridians eligible for the federal advance premium tax credit   designed to offset the cost of health insurance are not taking advantage of the program?  Unfortunately, many people believe that they earn too much or are not eligible because they’ve been offered COBRA, but that is often not really the case. While each situation is unique, the basics are these: the tax credit is offered to individuals who:

  1. Are not offered health insurance from an employer and
  2. Earn enough to file a tax return but have household incomes that are less than 40% of the federal poverty limit.*

Self-employed individuals like small business owners, realtors, and independent sub-contractors in the construction industry as well as seasonal or part-time employees not offered benefits by an employer often assume they make either too much or not enough money to qualify for the credit.  It has been my experience that these same people incorrectly calculate their income.  Additionally, these same people also incorrectly assume this is somehow affiliated with Medicaid or some sort of handout, so they refuse to have a discussion with a trained and well-informed health insurance agent, much to their own detriment.

If you’re uninsured and you haven’t recently checked your options, if you’re navigating the purchasing of health insurance on your own without an agent thereby possibly leaving money on the table, reach out to Peoples First Insurance for more information.  While we are pretty sure dealing with health insurance isn’t anyone’s favorite thing, we can assure you that you’ll be grateful for it if you find yourself needing it.

*This is an oversimplification and does not cover every possible scenario.  All individuals are encouraged to discuss their unique situation with a trained agent and eligibility is ultimately determined by the federal government upon submission of a completed health insurance application.