I have been married to an Army Man for over 10 years now, and lived 6 of those years as an Army Wife. Thru out that time I have seen the ups and downs of this life, the deployments, the weeks-long field trips, the moving around the country and the worry. I have seen the good and bad of it. I’ve also seen so many people complaining about the military life, which I can understand to some degree. But I’ve had it good so far. Why? Some ideas and thoughts follow that may help if you or your spouse are thinking of joining the army.
Start by understanding what you own and what you owe. You need to sit down and take a look at your total financial picture. Take the time to prepare a net worth statement. This will let you know what your assets and liabilities are.
When HMO’s became popular, the copayment became popular. Now people expect to get seguro de autos benefits with a copayment for a doctor visit. As an example of the difference between costs with or without a copayment for the exact same benefits otherwise, an Assurant policy without copayments is $154.29. If you add $35 copayments to that plan, the premium goes to $208.29 each month. That’s over $50 each month just for the copayment benefit that you may not even use. At any rate, it is $600 each year that you could use to pay out of your pocket for a doctor visit. And when you do go to the doctor, you still have to pay $35.
If you are interested to find the place the pays the most, try the government hospitals which may offer an hourly salary of $12.00-$16.00. An hourly rate of $10.00-$14.00 is usual for those who work in private clinics. Higher salaries are also given to those who work in big cities such as New York, where the cost of living is a lot higher.
Many people wrongly avoid taking term medical insurance plans thinking that you won’t get the money back if you are alive. But the true purpose of insurance is to protect you from extraordinary circumstances for which you can’t normally be prepared. It is difficult to assume that a person who is just in his early work life can save so much as to protect his family’s living conditions. Meeting needs like child’s education, rent or EMI, parent’s health and other important money needs which are fulfilled by an earning member, become impossible in case of sudden demise.
In addition to routine doctor visits, families often visit the emergency room or hospital more than a childless couple. Children break bones, need stitches, and other treatments more often than adults because of their fearless way of living. It is important to have adequate hospital coverage when you have a family. Family health insurance plans should have low hospital deductibles. You want to be protected whether your child needs a cast or their tonsils out. Think about the balance between doctor co-pays and hospital costs when choosing your plan. It will be crucial that you choose a plan that addresses both areas but that you feel you will get the most use from.
The most important aspect of creating a healthier office is by changing the culture. Following the previous recommendations is a great step in the right direction, but ultimately they need be reinforced by the foundation of a healthy culture. Keep health on the tip of your employees tongue’s by having a daily email of health tips and information. Schedule weekly or monthly meetings to discuss your wellness program. Most importantly, lead by example. Encourage upper management to actively participate in wellness programs. This will ultimately create a trickle down effect. Really anything you can do to create an environment for wellness is beneficial. Be creative and have fun!