Reduce Your Stress In The New Year A Little Bit At A Time!

“The trouble with always trying to preserve the health of the body is that it is so difficult to do without destroying the health of the mind.” - Gilbert K. Chesterton

Maintaining a healthy mind and body is so important to achieve maximum success in life or business. For example, many people have made resolutions to lose weight, to join a gym, or to quit smoking. These are great goals to strive for, however, a person shouldn’t wait for a particular occasion like New Year’s Day to make these decisions. The stress with these situations happen when a person feels they bit off more than they could chew or feel the strain of physical exertion now taking a toll on their body.  I’m not one who makes regular New Year’s resolutions, but do believe that change is good when implemented properly. Most medical problems arise because of legal issues that are out of a person’s hands. They tend to react negatively by neglecting their overall health.

Overeating, legal issues, excessive drinking, ongoing or underlying medical problems, lack of exercise, and sleep deprivation are potential factors for increased stress, among many others. Often times, people don’t know who to call or don’t know where to find the answers to assist them with their issues. I’m glad that LegalShield and AmeriDoc 24/7 Doc Rx are not only services I get paid very well to market to consumers and businesses, but are benefits I use to help keep my stress levels down. My wife and I can talk to a multi-million dollar law firm for whatever we want, whenever we want, with no limits or surprises for the about price of a bottle of water a day. We also can talk to a qualified physician who’s familiar with our medical histories without ever having to leave our home for the price of another bottle of water a day.

Companies are starting to take notice about work-place stress and what it does for reduced productivity by offering wellness benefits to their staffs. From employees taking time off of work to deal with legal issues to workers being stuck in crowded emergency rooms on company time and receiving high medical bills that can cause high stress-related issues as well. If you’re experiencing legal issues and you don’t know how to solve them or need a more-personal medical service that you can utilize from the comfort of your phone or webcam, then I can help you! Don’t go through 2014 carrying that old legal and medical baggage over from last year. Contact me so I can help you put a plan in place that will help you worry-free and with less stress, sleep better at night, protect your family, business, and employees, all for the price of about 2-bottles of water a day! Isn’t your family and business worth protecting?

Please fill out the “LEARN MORE” Form at the top if you would like more information about my business or this article.

G. L. Giddings, Executive Director

GLG and Associates LLP

The POWER Group Organization Team

http://glgiddings.com      

Fighting high health insurance costs with qualified high deductible health plans and health savings accounts

 By Jared Balis, For the Deseret News

 The combination of health savings accounts (HSAs) and qualified high deductible health plans (QHDHPs) has proven to be a powerful weapon in the battle of rising health insurance costs. Because consumers who use this solution have an opportunity to save hundreds and even thousands of dollars on health insurance premiums, these plans have become increasingly popular with Utah residents since their introduction in 2003.

Here are four compelling points to consider using an HSA and QHDHP:

1. You may be able to significantly lower your monthly health insurance cost by switching to a qualified high deductible health plan.
2. Consider depositing a portion, or all, of your monthly premium savings into your health savings account and use the funds to pay for qualified medical expenses with tax-free money.
3. Many HSA-eligible health plans cover 100 percent of your medical expenses after you meet the deductible, leaving you with a clear knowledge of your maximum out-of-pocket expenses in a given year.
4. The balance in your health savings account rolls over from year to year, letting the balance grow. It's not a "use it or lose it" account, like a Section 125 Cafeteria Plan.

In order to take advantage of these benefits, you must participate in the two components that combine to make up the final solution.

1. In order to be eligible to use a health savings account, you must purchase a qualified high deductible health plan. “Qualified” simply means that your health plan meets the IRS guidelines to be used with a tax-advantaged health savings account. As the name suggests, these plans have high deductibles, typically ranging from $1,200 to $5,000 per year for individuals and $2,400 to $10,000 per year for families. This health plan becomes your primary and sole health insurance plan.
2. Once you’ve setup a qualified high deductible health plan, you are eligible to open a health savings account. An HSA is simply a checking account that is labeled “tax advantaged.” Most banks and credit unions offer HSAs. In addition, many health insurance companies that offer QHDHPs offer HSAs through their preferred vendors.

To read the entire article, click here: http://www.deseretnews.com/article/705394741/Fighting-high-health-insurance-costs-with-qualified-high-deductible-health-plans-and-health-savings.html