Category Archives: Tony’s Tips
As I travel on my journey toward fitness and a healthy me, I’ll share some of the tips and tricks that I find along the way.
Insurance Lessons Learned
…In the School of Hard Knocks
Because right now I’m doing a lot of insurance related things I thought I’d share some “tips” drawn from my own experiences.
Disclaimer: EVERYBODY is different. I believe these tips to apply to most people but you need to double check when applying them to your own situation.
None of this stuff is new, there are tons of sites out on the Interwebz that can tell you this stuff…
HOWEVER… whatcha get here is proof that those “tips” — well these “tips” actually do produce results. I’ve “been there” and “done that” and have the battle scars to prove it.
So, hopefully my experience can help you minimize the pain of dealing with insurance companies whose primary goal is to make money.
You gotta know the rules
My personal experience has shown me that “Insurance companies are NOT your friends“. Insurance companies are not there to make you healthy or to get you healthy.
They are there to make money. They are a BUSINESS and the less that you use your insurance, the MORE money they make.
Which seems counter productive from the view point of us folks who NEED the medical services. The insurance company will say “NO” unless they are required by law or by contract to say “yes”.
Don’t misunderstand me — I am not advocating that you try to stick it to the insurance companies and rack up unneeded medical costs. That is called “fraud” and will get you in trouble. But what I am saying is that if you and your doctor think you need it then make the insurance company do EVERYTHING it is obligated to do.
Insurance companies are restricted by laws and by the contract to which you agree when you buy the policy. But they are counting on your ignorance to not utilize all of your benefits.
And they do NOT make it easy to figure out exactly what you can get. sigh
To protect yourself, you will need two VERY IMPORTANT DOCUMENTS:
- Your Policy Handbook — This is your contract with your insurance company. It has TONS of information about your benefits under the policy and sometimes has forms and/or procedural information. Often, near the front is a “summary chart” that gives you the basics of your policy including Out of Pocket Maximums, Copay information for doctors and drugs
- Your Drug Formulary — This is a list of the drugs which are covered or not covered under your policy and the level at which they are covered. Prices and coverage vary from plan to plan even within the same company. (see the above disclaimer)
Often these are available online either as a webpage or as a PDF file. The Drug Formulary is often available as a searchable interface online.
Save a copy of every email sent and received. EVERYTHING!!!!
Tony’s Tip No.8 — Do Life! not “exercise”!
Incorporate “movement” into your life…
Some of my “tips” are ones that I actually come up with myself.
Some of the “tips” I share here are ones that come to me from various “Health & Ftness motivational” lists that I’ve signed up with at Walgreens, WebMD, my health insurance company, a website called “RealAge” and a few others.
The tips come to me as tweets or emails.
I got this one a couple days ago. . .
Do at least one active lifestyle activity this week. Try working in the yard, washing the car. Walking to do an errand or cleaning.
. . .and my reaction was:
Hey, I realize that Read the rest of this entry
Tony’s Tip No.6 — Count your steps
Simply “walking” is a good starting point!
Humans are built to walk. As in on two legs, bipedal in an upright position.
It is, in fact, according to some National Geographic and Discovery Channel and NPR documentaries that I’ve watched recently the one of very things that makes us human and makes us a distinct species and different from our nearest cousins the Chimpanzee and the Bonobo.
So, when I got a text from one of the several “send me fitness tips” places about “walking and setting step goals” — I burst out laughing! Literally! LAUGHED – OUT – LOUD
AFTER I calmed down and wiped the tears from my eyes, I thought two things:
- These people need get out from behind their computer screens and look at the real world and…
- This would be a great “Tony’s Tip” post!
Here is the quote that set me off:
A good step goal is 10,000 steps per day. For weight loss work up to 12,00-15,000 steps per day.
GWAUF! BWHAhahahahahahaha LOL!
Yeh, right. Folks, after reading that, NOT so helpful tip, I did a poor-man’s research study as in “Google search.”
Right at the top of the search results, I found this tidbit from a column I trust, in the New York Times”:
“A person is typically considered sedentary if they take less than 5,000 steps per day.” The study also showed that American men, with an average daily step count of 5,340, are moving more than women, who averaged only 4,912 steps a day.”
And, no, I will NOT tell you what my step count is right now. We’ll simply say that it is below 5,000 steps. SIGH
SO… the idea of setting a goal of “10,000 steps, Sweet Baby Jesus Help Me, (Tonya, that was just for you – GRIN) OR worse, Read the rest of this entry