Tag Archives: finances

National Financial Wellness Month

National Financial Wellness Month

It’s National Financial Wellness Month, and we have tips about taking care of your finances, especially as they relate to health insurance.

Using Your FSA

If your health insurance features a flexible spending account (FSA), you could save on all kinds of health services and products.

Your FSA and the New Year


Health savings accounts (HSAs) are becoming more common, and if your plan has one, it could help you with your medical expenses and offset high deductibles. 

Saving with an HSA


You might not realize how much money you’re losing going to the emergency room when you should be going to urgent care. Know where to go and save.

Skipping the ER


You know you pay a premium for your health insurance, but do you understand all of your out-of-pocket costs, like deductibles, copays, and coinsurance? Make sense of what you pay.

Paying Out-of-Pocket Costs


Do you know what happens after you get care? Make sense of the claims process, how your doctor gets paid, and what you’ll owe.

Paying Healthcare Costs


Making financial plans for your future can help you be ready for retirement, Medicare, and medical emergencies. Be prepared.

Making Financial Plans


Financial wellness can impact other parts of your health too. These tips can help you track your spending, set goals, and more.

Healthy Resolutions like Fitness

Vantage Point: Healthy Resolutions Without the Cost

What just happened? I blinked, and all of a sudden, it’s 2018! The holidays came and went, and now it’s time to go back to our normal routines. I’m personally excited for spring to get here. I’m over this cold.

As I go back to my routine, I think of what I’m going to do differently this year. It is very cliché, but I really do look back on my previous year and reflect on what I can improve on for 2018. We can improve in every aspect of our life: relationships, work, finances, and health.

We all try to set goals and keep them for the entire year. But sometimes we set unrealistic goals, or we just don’t try hard enough. The most common goal I hear is having a healthier lifestyle. We all have at least one unhealthy habit that we want to kick to the curb. As I get older, I realize it is not about looking good or having “rock hard” abs, it’s about being healthy and strong.

There are so many ways we can have an active lifestyle. Many people would join a gym to reach that goal, but what happens if you can’t afford a gym membership? And the older we get, the harder it is to do heavy lifting or the more dangerous it is to use a treadmill.

We are so lucky to have an organization like the Wellness Place in the Wenatchee Valley. Its mission is “[t]o improve and enhance the health and well-being of community members through programs and education; inspiring every person to live their best life now.” Their current programs include targeting and supporting cancer patients, Stay Active and Independent for Life (SAIL), and diabetes support services.

The SAIL program started in 2006 and focuses on balance and fitness for those 65 and older. Exercises that improve strength, balance, and fitness are the most important activities you can do to stay active and reduce your chance of falling as you age.

These classes are offered all over the greater Wenatchee area, and they’re no cost to the attendees. It is a great opportunity to kick off a healthier lifestyle for free. Learn more about the classes and when and where they take place and start your new year the right way.

Jessica Arroyo, born and raised in the Wenatchee Valley, is a Medicare community liaison for Health Alliance, serving Chelan, Douglas, Grant, and Okanogan counties in Washington. During her time off, she enjoys spending time with her husband and infant son.

Legal Advice: The Right Time for a Professional

Long View: Leaving Some Things to the Professionals

I have to admit the health insurance business is complicated and often difficult to understand. So many regulations are involved, and then there are the exceptions, annual plan changes, and the wide variety of policies that are available.

We help our Health Alliance members navigate the wonderful world of health insurance every day. Another arena that seems especially complicated to me is the law.

In central Illinois, there are resources for people who need legal advice for civil cases (not criminal), which are provided at no cost to those who qualify. One of these is called Prairie State Legal Services. Its mission is “to ensure equal access to justice and fair treatment under the law by providing legal advice and representation, advocacy, education, and outreach that serve to protect basic human needs and enforce or uphold rights.”

Adrian Barr is the Managing Attorney for Prairie State. He told me, “The legal system is a very difficult place to navigate for people who do not have attorneys. It is almost as if we in the legal community speak and write in a different language.”

“Having the opportunity to consult with an attorney about one’s legal situation can be an invaluable resource,” he said. “Prairie State will discuss a person’s legal situation with them and provide legal advice. Prairie State will also provide representation for important legal issues, including those that affect a person’s finances, safety, housing, or their health.”

Lora Felger is my co-worker in Iowa. She is very sharp, but knows legal questions are best left to the professionals. Lora suggests Iowans start with their local Area Agency on Aging. Iowa’s 6 regional Area Agencies on Aging partner with Iowa Legal Aid to offer free legal services to eligible seniors with the Legal Assistance Program. This program “serves persons 60 years of age and older by providing legal advice and representation, information and education, and referrals in civil legal matters throughout the state.”

I think I will have to be satisfied with my expertise in the field of health insurance. I feel justified in my decision to let the professionals handle any legal question that might come up. My personal experience also tells me it would be prudent to use a professional electrician whenever the need arises. I accidentally created an arc welder one time, but that’s a subject for another column.

Patrick Harness is a community liaison with a long history of experience in health insurance. If you ask him to pick a color, he always chooses orange, and he is known for his inability to parallel park.