Wellness Coach

7 Reasons Why Everyone Needs a Wellness Coach

Every new year we make a self-promise to lose weight, stop smoking, and a variety of other well-intentioned commitments.

Yet, 80% of us will fail with these commitments by February.

It’s not that we don’t understand the value of better lifestyle choices. It’s just difficult to commit because many of us do not have the willpower and support.

What could change all this? A wellness coach, of course.

This is the individual that’s by your side with this journey to wellness, providing helpful guidance and support. They’re the person that will help develop proactive habits and better routines. Someone you need but never realized.

Ready for a change?

We’re covering several reasons why a wellness coach is a good fit for you when accomplishing lofty self-improvement goals.

You, Positivity, and a Wellness Coach

A wellness coach is more than an individual that gets you off the couch and into exercising. These individuals work on the whole image. They provide guidance and support to develop physical and psychological well-being.

Coaches are used by people on many paths of life:

  • Business leaders
  • Professional athletes
  • Recovering patients

… and average Joe’s (such as yourself?).

Wellness programs are also quite common in the business environment. These programs promote healthy living through exercise and communication. The program is tailored to company culture to help create positive routines.

Some of the common goals include the management of:

  • Health
  • Nutrition
  • Weight
  • Stress

Though, the goal of a wellness coach is determined by the client. These individuals provide a “whole package” to developing better lifestyles.

The coaching creates compounding benefits.

As physical well-being improves, so does the personal image. With that comes a renewed sense of empowerment and control. The result? A positive mental stability which then reinforces the physical activity commitments.

So, what are some of the specifics that wellness coaching bring?

Psychological Benefits

Many look to their wellness coach to provide a positive body image through exercise and physical activity. Yet, this is only one side of what a coach brings to the table.

The real benefit is how their guidance improves psychological well-being.

Psychological and physical well-being are closely linked. To improve the mental health of the individual is an improvement of the positive actions one takes with their physical well-being.

Here are the main (psychological) benefits of using a coach:

1. Knowledge

People are stubborn or ignorant about their lifestyle choices and wonder why they are in bad health. They follow the same routines expecting different results.

Sometimes, it’s because of misinformation or the lack of due diligence when learning about wellness.

A wellness coach has a vast understanding of physical and mental health. Their success depends on real results of their clients. The results need to be accomplished through healthy activities — not quick fads — else they put the client at risk for future problems.

This means the coach keeps up with the latest advancements in physical and psychological developments.

They will help you navigate the immense amount of information to avoid harmful suggestions. Plus, they can point you toward  positive actions.

2. Guidance

Many coaches have been through troubling experiences. This gives them the stoicism and experience when helping others in similar situations.

Their outside perspective can offer a grounded reality which helps create peace and tranquility – less stress. Having this lower stress allows the client to take logical steps to overcome their fears and setbacks.

3. Positivity

Psychological setbacks are often found in body image.

Too often do we feel out of place or uncomfortable when visiting the gym or support groups because we feel like an outsider. A coach dismisses the differences and welcomes you with open arms.

This positivity allows you to become comfortable with your body. It leads to greater strides in developing a positive mindset.

The coaches have a wealth of information available on their websites and health apps. Access to this information can provide great support when they’re not immediately available.

Physical Benefits

We say “body & mind” for good reason because, as we mentioned, the two go hand-in-hand. A positive mindset will find the motivation and passion when committing to a physical routine.

In time, a physical routine improves overall health. The activities increase serotonin and dopamine levels allowing the person to feel better as a whole.

Here are the main (physical) benefits of using a coach:

4. Tailored Plan

A personal trainer will certainly get you active and shedding weight. But, they base their plans on common routines which aren’t always a good fit for the client.

Wellness coaching incorporates the mental and physical state of the client.

This allows the coach to develop a tailored plan that accounts for lifestyle elements such as work and family.

It increases success rates due to an easier ability to commit because it’s tailored to the person and not a generalized goal. It makes the activities safe and sensible for the person so they’re not pushing to the point of injury.

5. Training Buddy

Your environment often dictates your ability to lose weight and improve physical well-being. If you’re surrounded by low-activity, obese individuals then you’re likely going to be of the same type. We, humans, are like pack animals.

In fact, you may even find resistance with your choice in improving your health.

People are quick to lash at those making personal improvements. It’s typically projection on their part else negative thinking as a whole.

Wellness coaching provides you with a person that will be by your side during the physical routines. They will offer support and suggestions for safe form.

Many will partake in the activities which helps with the commitment.

6. Activity Pal

A professional friendship may form which goes beyond the exercise routines.

The relationship could open exciting, new activities to do with the coach that is physical and help to overcome social anxiety.

They will help you get up and out of the house and place you into uncomfortable but opening experiences.

7. Limits

A coach is there to push your limits but they aren’t going to force you to the point of injury.

You have a voice when working with a wellness coach!

Working with a coach gives you control over the activities but also challenges your commitment. This challenging nature of the coach will help you realize new limits. It all ties back into their tailored plan.

Well-Being Starts Today

People are stubborn and this shows with the countless failures one finds each year when the new year’s promises are broken. In fact, it’s not just about resolutions- this happens daily.

How many times have you gone to bed with big goals yet never see them accomplished the following day? How many times has this repeated?

Promises get broken so let’s change that.

We’ve laid out what a wellness coach can bring to the table. Now, your next action is to commit. Not tomorrow. Today.

Get in touch and we’ll work together to find the positive influence you need.

Indemnity Insurance

Understanding the Benefits of Indemnity Insurance

If you’re like most Americans, healthcare insurance creates more stress than security for you. There are so many insurance choices out there, from HMO insurance to PPO insurance to indemnity insurance.

And then there are the pros and cons of each plan option. Do you want to pay a $1,000 deductible with a 40% copay, or would you rather pay a $1,500 deductible with a 20% copay? The sheer variety of choices makes even checking on plans a daunting, intimidating task.

Then, even after you have selected and paid for a plan, most of the time you don’t know exactly how much you have to pay. For example, your insurance plan may cover lab work but not x-rays.

To make matters all the more frustrating, doctors often don’t know themselves how much you’ll have to pay. And finding out can take months and months. Then, at the end of those months and months, you get a bill from your insurance company.

And surprise, the amount is much larger than you anticipated. Today, we’re discussing the ins and outs of indemnity insurance, and how it can simplify these complications and ease your frustration.

What Is Indemnity Insurance?

One of the most flexible insurance options on the market is indemnity insurance.

While this kind of insurance requires you to go through the same kind of motions as the others, it features some great benefits the others lack.

A Wide Range of Doctors to Choose From

Perhaps indemnity insurance’s most attractive feature is having access to numerous doctors.

Overall, insurance plans work like a subscription service. Doctors who are part of that service agree to work with it and honor the rates promised to you. Thus the idea is when you subscribe to that plan, you are guaranteed access to cheaper rates at those doctors’ offices.

Unfortunately, this has a major downside. The nearest in-network doctor could be an hour away, or he could be a poor healthcare provider. Either leaves you stranded without adequate care in the event you become ill.

With indemnity insurance, you won’t have to worry about this scenario unfolding because most doctors accept it. So when you have this kind of insurance, you have the biggest possible network of doctors to choose from.

Choosing Your Main Healthcare Provider

Another very attractive feature of indemnity insurance is not having to choose a single main healthcare provider.

Most insurance providers require you to choose one main healthcare provider and to stick with him or her. This requirement may not bother some people, but it can prove a major discomfort for others.

For example, let’s say you’re a woman who has a male main healthcare provider. You go to him when you have the flu, a sprained ankle, and other easily resolved issues.

Now let’s say the only female doctors are out-of-network or don’t practice with your doctor. That means you’ll almost definitely have to see your male doctor for your PAP smears, pelvic exams, and other reproductive health needs. This makes you uncomfortable because while he is a great doctor, you’d much prefer seeing a female doctor for those needs.

Through an indemnity healthcare plan, you won’t ever have to worry about finding yourself in this scenario. You can have multiple healthcare providers without penalty.

Going to Specialists

Many healthcare plans require that you go see your main doctor and get a referral prior to seeing a specialist. In some cases, this requirement makes sense, such when determining whether or not you’ll need surgery for a certain ailment.

But in other cases, it only results in more bills and a longer time suffering for you.

Take, for example, seeing a dermatologist. Getting in to see a dermatologist can take several months, depending how far out he or she is booked. Adding seeing your main healthcare provider to the mix means you have to wait even longer.

This may not be a huge issue if you have acne and want a prescription for medicated lotions and washes.

But what if you have a strange spot on your arm that wasn’t there before? A dark mark that resembles the photos of skin cancer you sometimes see in medical journals? That’s an issue that you’ll want to address right away without dealing with insurance plan red tape.

You can do just that with indemnity insurance. It allows you to bypass your main healthcare provider and go straight to a specialist if you need to. Less red tape means less time you spend waiting for a diagnosis that could save your life.

Going Out of the Area

One major drawback of other insurance companies is that they limit the area in which you can use your insurance.

This might not sound like a huge deal since you generally go to doctors in your area anyway. But consider what would happen if you had cancer or some other DNA-related ailment.

Many times local facilities lack the equipment for dealing with certain types or advanced stages of cancer. In those cases, the patients are referred to other facilities, which are sometimes out of the area or even out of the state.

Because indemnity insurance gives you more choices, you can go to doctors go out of the area and still use your insurance.

Getting Cash Back

Other healthcare plans require you to wait while they process your treatments and then send you a bill.

Indemnity insurance works differently. It pays you cash back for services you undergo that are covered by your plan.

For example, let’s say you have to have some x-rays taken. The total cost is $100. Your indemnity plan says you get $100 back on all x-ray costs, so you’ll get that $100 back as soon as it is processed.

Need More Information? Contact Us!

At the Proactive Broker Network, we want you to have the best coverage possible. If you have additional questions about indemnity healthcare insurance, please feel free to reach out to us directly.

Do you know of any other benefits of this kind of healthcare insurance? Tell us in the comments below!

better healthcare

8 Reasons Getting Better Healthcare is Worth It

Sure your company health plan covers you when things go wrong, but what about the day to day things that keep you healthy in the first place?

You have to pay for many of those essential preventative measures out of your own pocket or risk reaching your health insurance threshold too soon.

Every year, trillions of healthcare dollars are spent on treating preventable diseases such as cardiac conditions. Yet, no medical insurance will pay for programs to help their clients lead a healthier heart-friendly lifestyle.

What if we told you that you could get better healthcare and save money at the same time?

Well, it’s true and here are 8 reasons why you should go ahead and do it.

1. Getting Proactive Saves Employers and Employees Money

Tax benefits aside. Preventative healthcare insurance saves both parties in the following ways.

Employees benefit because they no longer have to pay for wellness programs out of their pocket. Their small insurance premiums cover these, resulting in immediate monthly savings.

Employers benefit in the long run because a healthier workforce means less sick days, fewer hospital stays for treatment, and better performance from their employees.

2. Better Healthcare Attracts Better Candidates

Well qualified and experienced employment candidates can afford to be picky when it comes to accepting a position. Managed healthcare is an attractive proposition for these candidates.

Likewise, your best employees are less likely to abandon you for greener pastures if they are well-cared for. Making sure that your health perks meet their wellness needs shows them that you care about their long-term welfare.

3. Increased Benefits

The costs of proactive preventative healthcare are minuscule compared to those of advanced medical procedures. Thus it can be delivered at far lower premiums.

Members get quick, cost-effective diagnosis, treatment, and management of new and existing conditions. This is thanks to the following groundbreaking techniques:

Health Risk Assessment (HRA)

The innovative HRA takes a close look at every aspect of the individual’s lifestyle and current health to pinpoint any areas of concern. This data is used to devise a customized health care program to suit the person’s exact needs.

Biometric Screening

Biometric screening detects potential health problems up to 10 years in advance. Adaptive strategies and solutions are then added to the tailored healthcare program.

Health Coaching

Certified health trainers, lifestyle counselors, and coaches are to hand. These professionals understand the implications of the initial screening and program. They can provide all the advice and encouragement needed to ensure that the better healthcare system is carried out.

DNA Screening

A lot of information about diet, nutrition, and exercise can be obtained from DNA testing. These behaviors can then be modified for improved health.

Eating Plans

Certified nutritionists are on hand with advice and individual meal plans to match the DNA screening. In this way obesity and illness can be prevented and managed.

Telemedicine

A network of licensed doctors is available round the clock to offer advice. They can diagnose simple complaints online or by phone. They can even prescribe medication for minor ailments over the phone.

4. Reduced Medical Visits

Better healthcare means fewer visits to the doctor, period. By diagnosing and treating or preventing health issues early, more serious conditions can be avoided.

A healthy living plan will help to reduce stress for your employees. Stress is often accepted as part of working life. Yet, it eats away at productivity and can cause serious health issues.

For employers, this means less empty desks when the flu season rolls around. It also removes the need to employ temporary workers to fill in for employees who have been admitted to hospital.

5. Increased Benefit Offering for Employers

A managed health management program is a great tax-deductible perk for employees.

Reports reveal that health plans are among the top 4 most desirable job perks for employees. Wellness programs offer your employees more benefits for less financial output. On your side and theirs.

Proactive healthcare does not replace your existing medical scheme but compliments it. You needn’t make any changes to your benefit plan, advisors or payroll. Payments for the benefit are made by employees via a Section 125 payroll deduction.

6. Reduction of Claim Utilization and Potential Expenses

With reduced claims come reduced costs for health insurance companies. This, in turn, leads to smaller increases every year, saving everyone money in the long run.

7. Planning for the Future

By knowing the health status of your employees you can act towards removing them from positions which place themselves and others at risk.

Proactive risk management is a common practice when it comes to safety matters, surely the same should apply to health issues. Better healthcare saves lives.

Knowing the most prevalent issues that your employees face helps you to customize your traditional healthcare offering to better suit their needs.

8. Tax Savings

By implementing a managed health care plan employers receive immediate FICA tax savings. For every dollar that an employee spends, employers benefit from payroll savings of up to $450 per employee.

Likewise, employees can expect to see an increase in their take-home pay due to non-taxable deductions.

You may hear about unscrupulous wellness programs that manipulate the system to get you FICA deductions.

Be sure to choose a product from a reputable, experienced broker who demonstrates ethics and commitment. This will help you to avoid the pitfalls of working with wellness companies and keep you from falling foul of the taxman.

Where to Start

Better healthcare is a win-win situation for all concerned and we know where you can find it.

Optimum health is only achievable through consistent, proactive primary care and not through the reactive approach of most medical schemes. Safeguard the health and well-being of all your employees before something goes wrong.

Get in touch to discuss the best option for you and your employees and start saving money on healthcare right away.