High debt and misuse of credit cards make it tough to save for retirement. Interest, late fees, and those bills hanging over your head are hard to get on top of. Getting out of debt is your first step to your financial freedom.
How Much Debt is Too Much Debt? Debt isn’t necessarily bad, but too much debt is. Add up what you pay monthly in car loans, student loans, credit card bills, personal loans—everything but your mortgage. Divide that total by the money you bring home each month. The result is your “debt ratio.” Try to keep that ratio to 10% or less. Total mortgage and non-mortgage debt should be no more than 36% of your take-home pay.
Good debt is debt that provides a financial payoff. Borrowing money to buy or remodel a home, pay for a child’s education, advance your career skills, or buy a car for getting to work can provide long-term financial benefits. Bad debt is when you borrow for things that don’t provide financial benefits or that don’t last as long as the loan, such as vacations, clothing, furniture, or dining out.
AVOID DEBT AND CREDIT PROBLEMS
HSBT INTERNAL FACEBOOK – COPY APRIL – FINANCIAL WELLNESS Post Copy:
What’s the Difference Between “Good Debt” and “Bad Debt”?
MAY IS MENTAL HEALTH AWARENESS MONTH!
MAY – MINDFULNESS
We are CELEBRATING this May! Not only can we celebrate the close to another great school year, we can humbly remember that we are back together again and getting closer and closer to that sense of “normalcy” we’ve missed. May is Mental Health Awareness Month and HSBT wants to remind you that not only do we take mental health seriously – we have resources to help. The Community Health Employee Assistance Program, or EAP, offers short-term counseling to employees and anyone who lives in their household. This can include family, marital & significant other relationships, child, adolescent & parenting issues, managing thoughts and feelings, improving wellbeing & life satisfaction, coping with change, and more Check out this video to learn more about how important an EAP is!
https://mjinsurance.wistia.com/medias/scvz04tyy0
HSBT INTERNAL FACEBOOK – COPY
Post Copy:
HSBT INTERNAL FACEBOOK – COPY
FIND A PROVIDER WITH THE SYDNEY HEALTH APP!
The Find Care tool brings together details about doctors, dentists, hospitals, labs, and healthcare facilities in your plan’s network. You can easily compare information such as costs, location, and office hours. If you have questions, you can use the interactive chat feature on the Sydney Health app or the Message Center on anthem.com.
JUNE – SUN SAFETY
Choosing a healthcare provider you trust is important, and choosing one in your plan’s network can help keep your costs down. Finding high-quality, cost-effective care is simple when you use the Find Care tool on the Sydney Health mobile app or anthem.com. You can start using Find Care by downloading the Sydney Health app to your mobile device or logging in to anthem.com. Select Find Care and the Find Care tool will guide you through the steps.
JULY – WELLNESS WEEK
An easy and important way to keep up your health is to have a physical each year. Visiting your doctor for an annual checkup can help you detect and receive treatment for chronic conditions before they cause serious health problems. If you schedule annual checkups, your doctor will likely be more familiar with your personal health history. This knowledge will help create a health baseline, allowing your doctor to detect any unusual or abnormal health concerns before they become a more serious issue.
SCHEDULE YOUR ANNUAL PHYSICAL!
The best part is, HSBT members have access to free healthcare visits through the HSBT Health & Wellness Center! You can schedule your annual physical by visiting www.ecommunity.com/locations/hoosier-schoolbenefit-trust-health-wellness-center or calling 317-497-6140!
HSBT INTERNAL FACEBOOK – COPY
This month, we’re focusing on how to help you shop smart for prescriptions! One of our favorite benefits, the HSBT Health & Wellness Center, allows you to fill select generic prescriptions FOR FREE. Generic versions of drugs are identical to the brand name versions in dosage, form, safety, strength, route of administration, quality, performance characteristics and intended use. Shop smart and save money by filling your eligible prescriptions at the HSBT Health & Wellness Center! Contact the HSBT Health & Wellness Center at www.ecommunity.com/locations/hoosier-school-benefittrust-health-wellness-center or 317-497-6140!
HSBT INTERNAL FACEBOOK – COPY
AUGUST – PRESCRIPTION MANAGEMENT
FILL YOUR PRESCRIPTIONS AT THE COMMUNITY HEALTH AND WELLNESS CENTER
Keep
You’ll
HSBT INTERNAL FACEBOOK – COPY
Download
Did
pay
SEPTEMBER your medical ID cards close with the Sydney App! you know you can add your Anthem ID card to your Sydney app? always have your most current Anthem ID card handy, and you can use it just like a paper one when you visit the doctor or dentist, for care, and more! the app to add your ID card, check your claims, find care, and more!
Working out and getting more movement in your life is a great step toward a healthier you. But before you consider adding a new exercise regimen into your life, consider a simpler step - stretching. Simple stretches will not only protect you from future injury, they can reduce stress, help your digestion, and boost your energy. Aches and pains aren’t always normal. Keeping your body stretched out and mobile will have positive effects on the way you feel each day. Visit an HSBT Health and Wellness Center to talk to someone about your aches and pains before they become more serious!
HSBT INTERNAL FACEBOOK – COPY
OCTOBER
Weight-loss can be a challenging journey on its own, but how do you know if you’re even on the right track? Do you know what a healthy and appropriate weight is for you?
If you’re ready to take back your body and your overall health, it’s time to visit HSBT’s Health and Wellness Centers. We’re ready to help you create a weight-loss plan that fits your unique needs and Togoals.schedule a clinic appointment, call 317-497-6140.
To schedule a clinic appointment, call 317-497-6140.
NOVEMBER
INTERNAL FACEBOOK
COPY
HSBT –
HSBT INTERNAL FACEBOOK – COPY
DECEMBER Keep your healthcare costs down in 2023! Taking care of your health is stressful enough, and minding the cost is yet another burden. That’s why we offer AIM Specialty Health! AIM provides programs that can help you get quality care while keeping your costs down. Aim programs can: Find lower-cost options with high-quality care for common procedures.
HSBT INTERNAL FACEBOOK – COPY Let you compare prices for specific procedures, like sleep studies, MRIs and arthroscopy. Encourage you to find doctors in your network, which can help you save money. Help you get care at the right place based on your needs. Find out if there’s evidence a treatment you’re told to get is medically necessary. Ready to get started? Visit anthem.com today!
