Renew and Refresh your Health

Just as your home can get cluttered over time with unwanted stuff, your life can become cluttered with unhelpful or unhealthy habits. Spring is the perfect time to spruce up your health. Try these tips: 
  1. Get ready for allergy season. If your allergies kick up like clockwork every spring, tree pollens may be to blame. Check the pollen count in your local weather forecast and limit outdoor activities on high-pollen days. Talk with your doctor about treatments that may help. 
  2. Pick some new produce. Get adventurous this spring and summer and try at least one new fruit or vegetable each month. Doing so can motivate you to eat more plant-based foods. For the greatest nutritional benefit, brighten your plate with a rainbow of fruits and veggies, such as red strawberries, green asparagus, and yellow apricots. 
  3. Keep your sleep schedule. Longer days should not mean you lose sleep at night. You still need seven to eight hours. To promote better sleep, stick to a regular bedtime, even on weekends. Create a soothing ritual to help you relax before bed, such as taking a warm bath or listening to soft music. Or try cherry juice—. 
  4. Find the positive in a negative. If you’re going through a rough patch, ask yourself what you have gained from the experience. Perhaps dealing with hardship or tragedy has made you stronger, brought you closer to loved ones, or deepened your appreciation for life. Finding your silver lining helps you bounce back.



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


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. 


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.


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.)


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


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.


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.


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).


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.