Making Informed Decisions

New Health Plan, New Doctor?

From our wellness partners at Washington Health Alliance.

It’s that time: you are considering a new health plan or choosing between several plans. But with a new plan, will you still be able to see your doctor, or will you need to find someone new? Before signing up for a new health plan, check to see if your preferred doctors, clinics and hospitals are covered.

“What is a provider network?”
Each health plan contracts with specific health care providers and facilities. This is called a “provider network” and it varies from plan to plan. Even two plans offered by the same insurance company can have different provider networks. For the lowest costs, make sure you are going to an in-network provider or hospital for your care. Depending on the type of plan, out-of-network providers and hospitals could be MUCH more expensive.

“I want to keep my doctor.”
If you already have doctors you like, check to see if they are in the plan’s provider network. The provider directories are usually on an insurance company’s web site. But the lists could be out of date. If you don’t see your doctor in the directory, call your doctor and ask if they are covered under that plan. If you have a preferred hospital, check to make sure it is in-network as well.

“I need to choose a new doctor.”
Maybe you don’t have a preferred provider or hospital. Or maybe your plan options do not cover your preferred doctor. First, try selecting a plan with many in-network providers close to your office or home. You can then use the Community Checkup to compare the quality of care different clinics provide.

Get Tips for a Stress-Free, Fun-Filled Thanksgiving

Let the holiday season be all about fun, family and wellness with help from the November edition of Healthy Living with Business Health Trust. From 8 simple holiday hosting tips to flu shot resources and more, our wellness partners have you covered!

If you’re not already a subscriber, click here to receive our wellness tips in your inbox each month and see past editions.

More importantly, have a stress-free, fun-filled Thanksgiving!

Savor the Immune-Boosting Flavors of Fall with Our Healthy Living E-Newsletter

The falling leaves of autumn are a good excuse to head outside to enjoy the season, as well as a reminder to take advantage of the bountiful harvest that awaits. This month’s edition of Healthy Living with Business Health Trust features the flavors of fall with an immune-boosting Vegetarian Pumpkin Chili along with tips to help you manage your sugar cravings — just in time for the holidays!

If you’re not already a subscriber, click here to receive our wellness tips in your inbox each month and see past editions.

Business Health Trust Now Offered Through Yakima and Thurston Chambers

Business Health Trust partners with regional chambers and business associations throughout Washington state to help their member companies offer quality, affordable employee benefits like health insurance.

In an effort to continue to expand access to our robust program offerings, we’re excited to announce the addition of two more regional Chambers of Commerce:

The Thurston County Chamber of Commerce and Greater Yakima Chamber of Commerce join a diverse list of Business Health Trust partner associations that includes:

You can join any of these partner associations, regardless of where your business is located, which will automatically qualify you for one of our 13 Industry group memberships (at no additional cost), and all the advocacy, resources and savings that go along with it.

Business Health Trust makes joining your chosen partner association easy and part of your enrollment, just choose your association when you sign up. If your business is outside one of these regions, you can still be covered by the Seattle Metropolitan Chamber of Commerce.

Learn more about Business Health Trust and its partners via the Who We Are page.

Suicide Prevention Awareness

From our wellness partners at Wellspring EAP.

If you or someone you know is in an emergency you can:

  • Call The National Suicide Prevention Lifeline at 800-273-TALK (8255)
  • Text “HOME” to the Crisis Text Line at 741741
  • Call 911 immediately

Suicide warning signs:

The more warning signs, the greater the risk of suicide.

  • Talking about wanting to die
  • Looking for ways to kill oneself
  • Talking about feeling hopeless or having no purpose
  • Talking about feeling trapped or in unbearable pain
  • Talking about being a burden to others
  • Abusing alcohol or drugs
  • Acting anxious, agitated, or reckless
  • Having trouble sleeping
  • Withdrawing or feeling isolated
  • Having extreme mood swings
  • Giving away belongings, including treasured objects

Here are 5 steps you can take to be the one to help someone in emotional pain:

  1. ASK: “Are you thinking about killing yourself?” It’s not an easy question but studies show that asking at-risk individuals if they are suicidal does not increase suicides or suicidal thoughts.
  2. KEEP THEM SAFE: Reducing a suicidal person’s access to highly lethal items or places is an important part of suicide prevention. While this is not always easy, asking if the at-risk person has a plan and removing or disabling the lethal means can make a difference.
  3. BE THERE: Listen carefully and learn what the individual is thinking and feeling. Research suggests acknowledging and talking about suicide may, in fact, reduce rather than increase suicidal thoughts.
  4. HELP THEM CONNECT: Save the National Suicide Prevention Lifeline’s number in your phone so it’s there when you need it: 1-800-273-TALK (8255). You can also help make a connection with a trusted individual like a family member, friend, spiritual advisor, or mental health professional.
  5. STAY CONNECTED: Staying in touch after a crisis or after being discharged from care can make a difference. Studies have shown the number of suicide deaths goes down when someone follows up with the at-risk person.

Source: Suicide Prevention, National Institutes of Mental Health, retrieved from https://www.nimh.nih.gov/health/topics/suicide-prevention/index.shtml on September 9, 2019

Business Health Trust members enrolled in an Industry Health Trust have access to up to three in-person visits with a counselor through Wellspring EAP. For more information on the Employee Assistance Program (EAP) through Business Health Trust, view the plan summary.

If you would like to access your Wellspring EAP benefits, go to WellspringEAP.org; or to purchase Wellspring EAP services, email info@businesshealthtrust.com.

Warning Signs of Identity Theft

From our wellness partners at Wellspring EAP.

What Do Thieves Do With Your Information?

Once identity thieves have your personal information, they can drain your bank account, run up charges on your credit cards, open new utility accounts, or get medical treatment on your health insurance. An identity thief can file a tax refund in your name and get your refund. In some extreme cases, a thief might even give your name to the police during an arrest.

Clues That Someone Has Stolen Your Information:

  • You see withdrawals from your bank account that you can’t explain.
  • You don’t get your bills or other mail.
  • Merchants refuse your checks.
  • Debt collectors call you about debts that aren’t yours.
  • You find unfamiliar accounts or charges on your credit report.
  • Medical providers bill you for services you didn’t use.
  • Your health plan rejects your legitimate medical claim because the records show you’ve reached your benefits limit.
  • A health plan won’t cover you because your medical records show a condition you don’t have.
  • The IRS notifies you that more than one tax return was filed in your name, or that you have income from an employer you don’t work for.
  • You get a notice that your information was compromised by a data breach at a company where you do business or have an account.

If your wallet, Social Security number, or other personal information is lost or stolen, there are steps you can take to help protect yourself from identity theft.

Source: Federal Trade Commission, Warning Signs of Identity Theft, retrieved from https://www.identitytheft.gov/Warning-Signs-of-Identity-Theft on August 21, 2019

Business Health Trust members enrolled in medical through Premera Blue Cross have access to up to three in-person visits with a counselor through Wellspring EAP. For more information on the Employee Assistance Program (EAP) through Business Health Trust, view the plan summary.

If you would like to access your Wellspring EAP benefits, go to WellspringEAP.org; or to purchase Wellspring EAP services, email info@businesshealthtrust.com.

Is Your Diet Damaging Your Smile?

Dieting is more convenient and popular than it’s ever been, with around 45 million Americans dieting each year.

But not every diet is a win-win situation for your body. In fact, some of the most mainstream diets — like the keto diet and intermittent fasting — can help slim your waste line, but they may also do harm to your oral health. For example, the keto diet is known to cause bad breath. The best way to know whether your diet is hurting your smile is to go see a dentist.

Ready to find a dentist near you? For Business Health Trust members enrolled in dental plan through Delta Dental of Washington, you can use your MySmile Account!

In addition to helping you find a dentist, your MySmile account can also help you:

  • Track your benefits
  • Calculate treatment costs
  • Locate a dental specialist
  • Review treatment history

For more tips like this, visit Delta Dental of Washington’s oral health blog.

Disaster Preparedness: Critical Documents

From our wellness partners at Wellspring EAP.

An overwhelming amount of disaster preparedness information followed the earthquakes in our region. Most of the resources centered around how much food, water, and supplies to set aside, what to do before, during and after the disaster, and all the safety precautions necessary to survive.

One aspect of preparedness that can easily be overlooked, is the need to secure important documents. The Federal Emergency Management Agency (FEMA) provides a simplified, yet comprehensive guide to help ensure that important documents are kept safe through a disaster, and is linked below.

Critical Documents Checklist.pdf

Business Health Trust members enrolled in medical through Premera Blue Cross have access to up to three in-person visits with a counselor through Wellspring EAP. For more information on the Employee Assistance Program (EAP) through Business Health Trust, view the plan summary.

If you would like to access your Wellspring EAP benefits, go to WellspringEAP.org; or to purchase Wellspring EAP services, connect with us at BusinessHealthTrust.com/contact-us.

Need care? Know where to go — and what it will cost

If you need care but your doctor isn’t available, you have options as a member of Business Health Trust. For those members enrolled in medical with Premera Blue Cross, keep in mind that some options are more expensive than others. The exact cost of your visit depends on your plan and the care you get.

24-Hour NurseLine (Free)

Call the 24-Hour NurseLine at 800-841-8343 — for free. The nurse can discuss your symptoms and help you find a doctor, urgent care clinic or hospital near you.

Virtual care with Teladoc® ($)

For conditions that are not life threatening, like cold and flu symptoms, allergies and ear infections, you can talk to a doctor by phone or video. Teladoc dermatologists are also available to address concerns with skin infections and rash.* Go to teladoc.com/premera or call 855-332-4059. You can get virtual care 24 hours a day, 7 days a week (including holidays).

Urgent care ($$)

Urgent care clinics provide care for illnesses like ear infections, fever or flu symptoms, or sprains.** Clinics are often open outside of normal business hours and are less expensive than the emergency room.

Emergency room ($$$)

Emergency room visits cost the most and should be used for emergencies, such as severe abdominal pain, shortness of breath, sudden numbness, loss of consciousness, or broken bones. *Most facilities are open 24 hours a day, 7 days a week (including holidays).

Tip: Add these contacts in your mobile phone so care is always at your fingertips:

* Teladoc operates subject to state regulation and may not be available in certain states. Video consultations through Teladoc are available 7 a.m. to 9 p.m., 7 days a week. Teladoc is an independent company that arranges virtual medical care services on behalf of Premera Blue Cross.

**Source: 24-Hour NurseLine. These examples are not meant to be used as medical advice. Please call the 24-Hour NurseLine about your specific issue to get advice on where to go for care.

 

Tips to Snack Smart and More from our Healthy Living E-newsletter

How are you living well this summer? Check out our July e-newsletter, Healthy Living with Business Health Trust, for wellness tips to help you enjoy the outdoors, from smart snacks on the go to virtual care options and tips to protect your skin.

It’s easy to subscribe to the monthly e-newsletter chock full of tips to help you live life to the fullest!

Subscribe to Healthy Living with Business Health Trust