October 18, 2017

Health Insurance and Working From Home

You own your own business or are thinking of working at home. You wonder, can you get health insurance when working at home? Actually, it is easier today, because of the Internet, to find insurance, if you work at home, even though the cost may be expensive. You can reduce your costs, however.

While working at home, many people do not have health insurance. You would rather not be one of them. You have a variety of options. If your spouse works and has health insurance through his or her employer, that might solve your problem. Some insurance companies in some states are now offering group health insurance for a company, even if the company is only one. You might check into that, and you can get that kind of insurance, even if you have a pre-existing medical condition. If, on the other hand, you do get an individual policy, you might not be accepted if you have a pre-existing condition.

If you do an Internet search, for working at home and health insurance, you can find a variety of companies to assist the self-employed. With some policies it is possible to have the freedom of choice as far as doctors and hospitals, many plans to choose from, Dental, Vision, Prescription, Accident, and Disability Insurance. One company that provides assistance for the self-employed on a variety of issues, including health insurance is the National Association for the Self Employed, and their website can provide help in finding insurance.

When working at home it is possible to deduct 100% of your costs in obtaining health insurance. There are a lot of places to find information. An Internet search will display websites that will provide quotes for several different kinds of insurance, including dental and health. You can be matched with companies that will provide full coverage. There are also websites that provide information about health insurance in different states that you can find, if you search for them. Companies such as Blue Cross and Humana often offer insurance that is in the price range of those who work at home.

When working at home, there are other things to consider in finding health insurance. You may want to opt for a higher deductible, because your monthly premium may be less. If you have a chronic condition, consider full coverage plans, even though the cost will be more, from large companies such as Aetna, Blue Cross, or United. If you have one other person who works with you, look for group coverage look for group insurance. Look for a health care sharing program, which may be through a church or a Christian organization. Because it is not considered true medical insurance, contributions can’t be deducted, but medical expenses still can.

You have a wide variety of insurance options if you work at home.

Working at Home and Your Health

Working at home has lot of advantages. You are able to give more time to your family. You are able to save on gas. The commute is stress free. No need to buy expensive work clothes.Keeping that in mind, we do have a slight disadvantage in the area of health. People who work at home usually get less exercise than people who work out of home. We also put a lot of strain on our eyes and our back.

Recently a friend of mine had to undergo minor eye surgery for blurry vision caused due to eye strain. The doctor informed that 90% of people with his symptoms were in the IT field. Neck pain, back pain, Carpal tunnel syndrome are also common in people who work on the computer. Lot of sitting, not much movement can also cause loss of muscle mass, which can decrease a person’s ability to keep weight off, since muscle is more effective at metabolizing calories than fat. So what can you do to help yourself remain healthy while working at home? Below are some tips to help you get started now.

Eat: Make sure to take a break for lunch and a small snack. Eat away from your computer and concentrate on your food.

Move: Walk for a little while even if it is for 5 minutes during your break. Get 30 minutes of walking at least 3 times a week.

Sit up straight: Make it a point to be aware of your posture. If it helps, put a sticky note on you desk to remind you of this. Buy a lumbar support to help you maintain a proper posture and support your lower back. Do not cross your legs (it restricts the blood flow). While sitting your feet should rest firmly on the floor with your thighs parallel to the ground.

Rest your eyes: For every hour you work, take a break for 5 minutes to rest your eyes. Leave your work desk and go look out the window. Exercise your eyes in the following way. Close your eyes. Put your palm over them and slowly move your palm in circles. After work, if possible, relax your eyes by putting a wet cloth over them for 5 minutes. Keep your monitor directly in front of you and at least 20 inches away in a position that you do not have to look up. It should be positioned such that there is no glare coming off the screen. Ideally the ambient light should be 3 times brighter than your screen light.

Take care of your neck: When you take your 5 minute break, rotate your neck too.

Keep yourself hydrated: Drink lots of water. Keep a bottle of water on your desk where you can see it. Drink out of it frequently.

Snack healthy: Keep healthy snacks within your reach at your desk. Ziploc bags with nuts and dried fruits are great energy boosters.

These are really easy tips that you can do everyday. It will help you stay healthy and hopefully avoid eye, neck and back problems.