Showing posts with label FamilyWize card. Show all posts
Showing posts with label FamilyWize card. Show all posts

Monday, May 23, 2016

Couponing Blogs You Should Follow Today

Savvy shoppers have utilized coupons for ages, and it’s easy to get started. Whether you use the printed version or those available through apps, there are coupons for just about any product or service you can imagine. Couponing allows you to enjoy the lifestyle you like at a lower cost. Who doesn’t like to save?


Now there are even couponing blogs that offer advice, money-saving tips, and couponing options. How do you find the best couponing blog for your needs? Check out these ideas:

Determine what type of coupons you primarily use. If you mainly look for coupons related to products and services for kids, there are plenty of mommy couponing blogs to follow. Check out www.topmommyblogs.com for a list of great blogs to follow. These blogs offer great tips on how to save money and feature special offers and advice. If you’re primarily in the market for grocery coupons, check out a site such as www.grocerycouponnetwork.com, which features 50 blogs related to groceries, home goods, travel, and other family-related items.

Establish how much information you are seeking. Many blogs offer much more than just couponing information. Determine how much other information, such as advice, recipes, informative articles, and even DIY ideas, you are looking for before subscribing to a blog.

Be realistic about how much time you have. With so many couponing blogs out there, subscribing to a few will likely save you money at the register. However, what you save in dollars might cost you in time. Assess how much you are getting from each blog and whether the time you spend engaged in the blogs is worth it in the long run.

Assess a blog’s ties to advertisers and offers. Is the blogger presenting a deal simply because it’s a great deal, or is the blogger financially tied to the company in some way? While the offer might still be a great deal, being aware of compensation is an important piece of information to have.

Couponing blogs to check out:
  • www.coupons.com Has local coupons and coupon codes for online purchase. This site allows you to share coupons with family and friends and offers cash-back offers and loyalty coupons.
  • www.truecouponing.com Offers coupons and deals on products for the home, food, and even silver jewelry. I did notice deals for specific stores, not just manufacturer’s coupons, on this site.
  • www.pennypinchinmom.com This mommy blogger worked her family out of debt, and she is determined to help others save money and live debt free. Her tips could help you!
  • www.thekrazycouponlady.com Offers extreme couponing information.

Also, don’t forget to share this blog - blog.familywize.org - with your family and friends. In addition to advice on issues such as health, wellness, and saving money, the Familywize Prescription Discount Card can help you save at the pharmacy.

www.familywize.org/card


Couponing blogs are a great way to learn effective couponing tips, engage in saving money on a regular basis, and have fun in the process. With friendly advice and up-to-date deals and offers, couponing blogs provide more than just money-saving tips for you and your family.

Monday, May 9, 2016

Health Insurance Glossary: 10 Terms to Know


Since the Affordable Care Act (ACA or ObamaCare) went into effect, the uninsured rate in the United States has reached record lows. But, there is still great confusion when it comes to health insurance information. Many Americans can’t even define basic health insurance terminology if prompted. A recent study in the state of Texas found:
  • 25% of respondents, regardless of insurance status, lack confidence in understanding basic health insurance terms like “deductible,” “premium,” and “copayment”
  • 40% of respondents with an individual plan expressed lack of confidence in understanding “co-insurance” and “maximum out-of-pocket expenses”
  • More than 33% of respondents with an individual plan said they were confused by what counts toward a deductible and what health services were covered under their plan

We get it – health insurance terminology is tricky, but understanding the language will bring you one step closer to better managing your health and maximizing your insurance plan. To help, FamilyWize has compiled a list of the top 10 terms you need to know when it comes to health insurance. Bookmark this post for future use, and be sure to share it with family and friends!

People and Organizations Involved in Your Plan

  • Dependent: Any individual, either spouse or child, that is covered by the primary insured member’s plan.
  • Network: The group of doctors, hospitals, and other healthcare providers that insurance companies contract with to provide services at discounted rates. You will generally pay less for services received from providers in your network. You can usually check which providers are in your network on your insurance company’s website or by calling. You can also call your provider and ask!

Fees and Costs Associated with Your Plan

  • Co-pay: The flat fee you pay for certain medical expenses. Example: You pay a fee of $10 for every doctor visit, but then the insurance company pays the rest.
  • Coinsurance: Your share of the costs of a covered healthcare service, calculated as a percentage (for example, 20%) of the allowed amount for the service. You generally pay coinsurance in addition to any deductibles you owe. (For example, if your plan’s allowed amount for an office visit is $100, and you’ve met your deductible, your coinsurance payment of 20% would be $20. The health insurance or plan pays the rest of the allowed amount.)
  • Deductible: The dollar amount (example: $1,000) you pay each year, after which insurance protection begins. You pay expenses up to the deductible amount and then the insurance company pays the remainder, up to the policy limit (Example: $50,000). Some plans pay for certain healthcare services before you’ve met your deductible.
  • Premium: The payment you provide to the insurance company in exchange for insurance coverage. In some cases, your employer may cover this expense (or part of it).
  • Maximum Out-of-Pocket Expenses: The most money you will pay during a year for coverage. This includes deductibles, co-pays, and coinsurance, but is in addition to your regular premiums. Beyond this amount, the insurance company will pay all expenses for the remainder of the year.
  • Cost for Choosing Out-of-Network Services: A doctor, hospital or pharmacy that is not part of your health plan's network of preferred providers. You will generally pay more for services received from out-of-network providers.

Affordable Care Act 

  • Affordable Care Act (ACA; ObamaCare): Signed into law by President Barack Obama on March 23, 2010, the ACA was enacted to increase the quality and affordability of health insurance, lower the amount of uninsured individuals by expanding public and private insurance coverage, and reduce the costs of healthcare for individuals and for the government.
  • Preventive Care Services: Services like vaccinations and other key screenings that are required by the Affordable Care Act (ACA) and are offered at no cost to you through private insurance plans. 
For a complete list of insurance-related terms, refer to the Centers for Medicare and Medicaid’s full glossary.

FamilyWize is here to help you better navigate the complicated and ever-changing healthcare marketplace. Our free prescription discount card is available for everyone to use – whether you are insured, underinsured or uninsured. Remember to always carry the card with you (or download our free app), and present it to the pharmacist each time, to ensure you receive the lowest price possible on your medications.

Monday, April 25, 2016

6 Ways to be Your Healthiest Self



Being healthier doesn’t mean you need to overhaul your lifestyle. Simple changes can add up and make a big difference. Try implementing some of our recommended changes below, and feel the effects on your mind, body, and wallet.


1. Eat well. 

Indulge in fresh fruits and vegetables, whole grains, and lean meats on a regular basis. Skip the processed foods, especially those that are fried and/or high in sugar.

2. Exercise.

Get moving. Whether it’s a daily walk or even low-impact exercise such as stretching, Pilates, yoga, and swimming, these forms of movement all have a great impact on your overall health.

3. Get your ZZZs.

Sleep is an important aspect of your overall health, allowing all the systems of your body to renew and recharge. Since sleep is crucial to good health, physical and mental, and overall well-being, if you’re having difficulty with sleep, be sure to see your health care provider.

4. Make an appointment with your doctor. 

With most insurance plans, an annual preventative visit is now free. Take advantage of that by checking in with your doctor to discuss your health – even if you’re not having any issues. Your doctor can often recognize problems before they become more challenging. In this way, you can help ward off catastrophic issues and save on your health at the same time.

5. Consider changing medications.

 If you do require meds (either prescription or over-the-counter), consider a generic or other lower-cost option, including mail-order pharmacies. In some instances, another medication might treat your condition at a lower cost. Of course, changing or modifying medication should always be done under the supervision of your physician.

If you are picking up prescription medications, remember to always use the FamilyWize Prescription Savings Card. Whether you are insured, underinsured, or uninsured, the savings card will save you an average of 43% on your medications. It’s easy to use: visit our website to print a card, download a card using our free app for Apple or Android, or request a card be mailed to you. Just remember to always have the card or app with you when you visit the pharmacy!

6. Do a benefit check-up.

Do you really know the full benefits available from your health insurance coverage? In some cases, your health insurance may offer perks such as a membership (full coverage or at a discounted rate) to a designated health club or gym. Yet, many individuals are often unaware of all the extras insurance offers, and the money they could be saving. Take time to review your health insurance plan to ensure you’re taking full advantage of all the benefits available to you, another smart way to save on your health.

Prevention is one of the key factors when it comes to saving on your health. These six tips can help prevent illness and/or injury before it occurs, develop an open line of communication with your doctor or health care provider, and put you on the path to a healthy, long life.

Live Healthy. Live Smart.
-FamilyWize

Tuesday, January 1, 2013

Happy New Year from FamilyWize



new year

2013 is upon us! It's a time to reflect on the past year and make plans for the new year. Throughout the past year, FamilyWize, with the help of over 1,000 United Ways and America's Promise Alliance Partners and communities all over the country, distributed the FamilyWize prescription savings card

familywize program
Free Rx discount cards.
The free Rx discount cards are accepted at over 60,000 pharmacies nationwide and have saved more than five million customers over $400 million so far. Believing that no one should have to choose between buying food, paying utility bills or purchasing necessary medication, FamilyWize strives to help families afford prescriptions. The FamilyWize card can be downloaded right from their website or even to your phone. Just text the word "family" to 700700 and show the card from your phone the next time you fill a prescription! Pharmacists can read the card right from the phone. It doesn't get much easier than that!

One out of every five people in the United States has no prescription drug coverage. Without coverage, many people go without life-saving medications or ration their medications in order to make ends meet. When people do not take prescriptions as directed, their chance of worsening health issues increases. The result is more costly medical care, hospital stays and longer recovery time. Prescription drug card customers are able to save on costly medications, and adhere to their medication directions. 

The FamilyWize website has tools to look up your pharmacy and do some comparison shopping with the drug price look up. You can save up to 75% on prescription costs, depending on the medication and the pharmacy. 

Formed in 2005 by Dan and Susan Barnes, the Familywize partnership sets the goal of saving families, children and individuals $1 billion by the end of 2015. We hope to build stronger communities by helping to build healthier and happier families. 

new year resolution
FamilyWize attends community event
to raise awareness of medication
adherence and give our free discount cards.
During 2012, FamilyWize participated in community events, along with participating United Ways, and distributed the FamilyWize discount drug card to students, moms and dads. Many people got cards for a family member or friend in need. Along with distributing this great way to save, FamilyWize spread awareness of the importance of prescription drug adherence. Due to high cost, many people do not fill or refill prescriptions, or they ration medications to reduce cost. This can cause worsening health conditions that become more costly for the patient and the health system at large. 

And we don't stop there! The FamilyWize blog is written by staff members, subject matter experts and guest bloggers and covers subjects like saving money, nutrition and exercise, goodwill and family safety tips. Our daily blog receives hundreds of hits per day and provides informative links to valuable sources of information. 

This year, why not make it your New Year Resolution to help a friend or family member in need to save on prescription costs? Download a free card for yourself and for a friend. Place a link to the FamilyWize website on your websites and web pages. 

We can make a difference together! Happy New Year from all of us at FamilyWize to you and your families. And may we enjoy better health and more happiness by spreading the savings to our friends and families!

Caroline Carr
Contributing Writer