Thursday, September 19, 2013
I spend 40+ hours of my life in the corporate world. Think "Office Space" with the cubicle, extreme amounts of beige decor, & processes and procedures for everything. Don't get me wrong, it's not all bad... my cubicle comes with a pretty decent view of the city, they pay for my parking, and overall the pay is decent as are the benefits. I may not love my job, but I am truly grateful for it.
Speaking of benefits, it's that time of year when we have to start thinking about next year and what to contribute to our 401k, what to have withheld for taxes, and what to elect for healthcare benefits. With healthcare reform and the current economical climate, the company I work for has decided to make a fairly drastic change to the medical plans offered. In other words, we get to pay more. YIPPEEE!! *please note sarcasm* But Karly, I thought the title of your blog is "Get Healthy, SAVE money"?? Yep, and here's why: Companies are moving to incent us to get healthier. Out-of-pocket expenses are going up because the cost to provide benefits to overweight, sick, out-of-shape employees is astronomical, especially when we are essentially helping the government subsidize those who aren't fortunate enough to have benefits through work. (Let's not get into a political debate about all that, mmmkay??)
Honestly, no I'm not excited to pay the same premium but be expected to pay 4x the out-of-pocket expense of previous years. HOWEVER, our company will give us straight-up cash for completing medical diagnostics, entering into wellness programs, and competing in contests that promote healthy habits - such as getting points for eating a healthy breakfast each day. So basically, I'm going to get money for stuff I've already started doing! YIPPEE!!! *that one is sincere*
I've also noticed that by eating healthier I have less acid reflux and need less medication for that. By exercising regularly I have gotten sick less and haven't had the need for emergency chiropractic care. I also know that the healthier you are, the less it costs for life insurance. And the practical day-to-day savings are noticable in other ways as well:
~ Less sugar = healthier teeth = lower dental costs
~ Tracking food = No more mindless eating = less money spent on groceries (or more money for trips to Whole Foods)
~ More meals @ home = HUGE savings
What are some ways that your healthy habits are saving you money?