Get to know ARC Co-Owner Ryan Carroll with our new “In the Hot Seat” video series! Learn about his favorite joke, his special talent, and his vision for ARC.
Who should be in the hot seat next?
This year, many kids are doing their learning from home and, without the structure of a classroom, some may have difficulty staying on task.
Here are some ideas to consider as you and your child are adjusting to their new learning environment:
Write out a list of tasks that you, your child, and their teacher set to accomplish for the day. This will help keep their tasks organized and provide daily goals for them to reach. Be sure the lists aren’t too long or overwhelming to ensure that your child is able to maintain focus.
Take some time to create a productivity space for your child to work that includes the books and supplies they will need throughout the school day. This separates their workspace from their living space and maintains the boundaries between play time and work time. If possible, the study space is best used when separated from distractions like the television or toys.
Taking breaks when it seems your child is getting worn out can be a great way to jump start their energy after a lull. Just as they would throughout the day at school, be sure to give them time to play and rest before jumping in to the afternoon. Consider setting a timer for them so they know how much time they have in between “recess” and work. This is also a great way for them to get their physical fitness in after spending most of their time at a desk or computer.
Online learning is new territory for many people and there will be some hiccups before you find a process that works well for you and your child. Don’t be afraid to try new schedules and ideas that work well for your situation.
What strategies have you implemented to help you and your child stay on track this school year?
Have you ever gone to an appointment and then got smacked with a $4,000 medical bill? It probably looks a little something like this…
Receiving those bills can be overwhelming and it might seem easier to just tuck it away in your inbox and never think about it. But, your bill won’t just go away if you ignore it. Often, providers will send your bill to a collection agency and eventually your credit file if not resolved in a timely manner. It’s best to confront the bill head on and form a plan to resolve it.
You do have options in these situations. Here is what to do when you’re faced with a high-dollar medical bill:
In some cases, the high cost of services can be due to an accounting error, such as a wrong billing code or even the wrong claim code. It’s important to comb through your bill to ensure that everything was properly calculated.
Your EOB will show you the amount you are responsible for paying to the provider as well as discounts and negotiated rates. Always compare the bill from your medical provider to the EOB to ensure that the services you received and the charges listed are correct. Be sure to also keep these documents on file for future reference.
Your doctor may offer financial assistance based upon income. Contact your medical provider to find out what options are available to you.
Your health insurance agent is your advocate and can help you resolve escalated issues in a timely manner. They can communicate on your behalf directly with the insurance company to help save you time and frustration when dealing with these issues.
You don’t have to face these issues alone. Your ARC licensed sales agent is available to help you with your health insurance plan, including helping you map out a plan to tackle a high-dollar medical bill. Contact us today.