5 steps you can take to stay with your wellness plan

We all want to be better than we were the year before.  Whether it’s spending more quality time with our children, signing up for classes at the local college, quitting smoking, or exercising more, we all have the desire to achieve more. 

It’s also true that it’s better to have set a goal and fall a bit short, than to not have set a goal at all.   So if you’ve already fallen short on your goal, re-group and try again.  It’s not too late. 

Here are some tips that might help you stick to your plan:

Take Small Steps

Try to come up with small daily or weekly steps to help you see immediate results and give you a sense of accomplishment.  For example, if your goal is to lose weight: I will go for a walk at lunch and everyday I will keep a food journal. 

Change for Yourself

Your desire to change needs to come from a sincere desire to do so. Don’t try to change to please anyone else.  This is an opportunity for you to look forward in a positive way, rather than to punish yourself for past behaviors.

Be Realistic

Make sure your goal and plan of action are realistic and convenient. The only way your goal will truly become reality is if you believe in it, but most importantly, you believe in yourself.   Find a role model who has achieved and is living your goal. 

Anticipate Roadblocks

Anticipate potential roadblocks and have an alternate plan.  Also, whenever you feel that you are off target, re-group and get back on track.

Reward Yourself

Put a reward system into your plan of action.  As you hit milestones, decide on what reward you will give yourself each step of the way.  For example, buy a new outfit, go get a manicure, get tickets for that concert or game.  Make your rewards personal.

Remember you are your best supporter. A well-thought-out plan can help you live your life the best way possible, starting from the inside! 

Kathy Nellor

Wellness Business Consultant, BCBSNE

HEALTH INSURANCE TERMS


COINSURANCE

The percentage of the bill you pay after your deductible has been met.

COPAY

A fixed amount you pay when you get a covered health service.

Tiered benefit plan

A health care plan featuring multiple levels of benefits based on the network status of a particular provider. 

DEDUCTIBLE

The annual amount you pay for covered health services before your insurance begins to pay.

emergency care services

Any covered services received in a hospital emergency room setting.

SUBSTANCE ABUSE DISORDER SERVICES

Includes behavioral health treatment, counseling, and psychotherapy


in-network provider

A provider contracted by your insurance company to accept an agreed upon payment for covered services. 

OUT-OF-network provider

A term for providers that aren’t contracting with your insurance company. (Your out-of-pocket costs will tend to be more expensive if you go to an out-of-network provider.)

out-of-pocket

Your expenses for medical care that aren’t reimbursed by insurance, including deductibles, coinsurance and co-payments.

penalty

If you can afford health insurance, but choose not to buy it, you must have a health coverage exemption or pay a tax penalty on your federal income tax return.

premium

The amount you pay to your health insurance company each month. 


Preventive services

Health care services that focus on the prevention of disease and health maintenance.

rehab SERVICES

Services and devices to help you recover if you are injured or have surgery. This includes physical, occupational and speech therapy.

special enrollment period

The time after the Open Enrollment Period when you can still purchase health insurance only if you have a qualifying life event (losing other health coverage, having a baby, getting married, moving).

specialist

A physician who has a majority of his or her practice in fields other than internal or general medicine, obstetrics/gynecology, pediatrics or family practice.