The Hidden Benefits of Your Health Insurance Plan

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iStock

When we talk about health insurance, it’s usually in the context of a complaint. While it’s true that insurance companies often fight tooth and nail to keep their financial exposure limited, they’re also making moves to offer benefits beyond standard health care—and you might not even know about these perks.

A prime example is the recent trend for companies to offer a discount savings card on groceries. United Healthcare, Humana, and Medica are just a few of the insurers who have issued cards that can be used for an instant price reduction when checking out at participating stores. The catch? The programs typically cover healthy or organic foods. Along with discounted gym memberships, the benefit is an effort to keep policy holders fit and—at least theoretically—to reduce the need for medical interventions.

If you’re surprised to hear about it, you’re not alone. Here are some other programs offered by the nation's largest insurance companies that you might be missing out on. (Bear in mind that each company has various tiers of coverage and not all perks may apply to all levels.)

UNITED HEALTHCARE

The company’s Healthy Savings program for groceries allows shoppers to save on select items that change on a weekly basis. Each Sunday, the cards will recognize between $40 and $50 in deals on healthier grocery options. It’s only good at participating retailers, including Shop ‘n’ Save, Giant, and others. You can search for locations on their website.

Through UnitedHealth Allies, the company also offers discounts on weight loss programs like NutriSystem and Jenny Craig, as well as gym memberships and even active footwear [PDF].

CIGNA

The Northeast-based insurance company provides an umbrella discount service, Healthy Rewards, that offers savings on eye exams and up to 25 percent off alternative health therapies like acupuncture, chiropractic, and massage appointments [PDF]. They also offer fitness membership discounts. More information can be found at MyCigna.com.

AETNA

It’s hard to know what the pending acquisition of Aetna by pharmacy giant CVS will mean for health care perks moving forward. Currently, the company offers discounted memberships and trial passes to more than 10,000 gyms nationally, as well as discounts on home fitness equipment like treadmills [PDF]. You can also find discounts on meal home delivery subscriptions. Logged-in members can go to the Aetna website and select “Health Programs” then “Discounts” to determine your eligibility.

ANTHEM BLUECROSS

In addition to savings on groceries, gym memberships, and weight loss programs, Anthem BlueCross offers savings for members on DNA ancestry kits, pet insurance, and even baby-proofing.

HUMANA

Humana offers an impressive array of “lifestyle discounts” that range from basic wellness perks to teeth whitening, identity theft services, and 15 percent off in-network LASIK procedures. They also offer discounts on over-the-counter medications like Claritin and Advil. You can register at MyHumana.com to find out more.

10 Simple Tricks for Charging Your Smartphone Faster

Makidotvn, iStock via Getty Images
Makidotvn, iStock via Getty Images

Smartphones always seem to reach low power at the least convenient moments possible. If you've ever urged your device to charge faster in the minutes before a phone interview or when you're about to board a plane, you can relate. While the easiest way to avoid this scenario is to plug in your device before the battery dips into the danger zone, if you've already reached this point, there are simple ways to speed up the charging process.

Some hacks for charging a phone faster involve steps you can take in anticipation of the next time you're surviving on minimum energy. Certain gadgets, like special chargers and battery packs, will power-up your device more efficiently than others. For moments when your phone is dying and all you have is your regular charging cable, adjusting your phone's settings to minimize the power it consumes also works in a pinch.

You can find some specific ways to charge your phone quickly below: 

  1. Plug it into a wall outlet instead of a USB port.
  1. Use a portable battery pack.
  1. Buy a special "fast" phone charger.
  1. Switch to low power mode.
  1. Switch to airplane mode.
  1. Let your phone drain completely on its own once a month to the extend the battery life.
  1. Close any background apps.
  1. Stop automatic app updates.
  1. Don't check your phone while it's charging
  1. Keep your phone out of the heat.

For more tricks for making your phone usage more efficient, check out these tips for typing faster.

The 20 Best States for Singles

monkeybusinessimages, iStock via Getty Images
monkeybusinessimages, iStock via Getty Images

Being single on Valentine's Day means you don't have to worry about cards, gifts, or date ideas. But if you'd like to do something romantic on February 14, your chances of snagging a date in time may depend on where you live. WalletHub crunched the numbers to create a definitive list of the best states to be single and looking for love in America.

To come up with its rankings, the personal finance site analyzed numerous data points for each state, including the proportion of single adults, nightlife and entertainment opportunities, and economic factors like cost of living. Combined, these qualities paint of picture of where you're most likely to find, afford, and enjoy a date.

Florida secured the number one position with a total score of 69.21 out of 100. Though it comes in 33rd out of the 50 states for economics, it places third for dating opportunities and fourth for romance and fun, earning it the top slot. It's followed by California with a score of 67.41 and Texas with 66.77. You can check out the top 20 states below, and see how all 50 states ranked at WalletHub.

  1. Florida // 69.21
  1. California // 67.41
  1. Texas // 66.77
  1. New York // 65.29
  1. Pennsylvania // 64.61
  1. Ohio // 63.10
  1. Illinois // 62.61
  1. Wisconsin // 61.13
  1. Massachusetts // 59.11
  1. Michigan // 58.56
  1. Arizona // 57.22
  1. New Jersey // 56.71
  1. Georgia // 56.11
  1. Colorado // 56.01
  1. North Carolina // 55.58
  1. Minnesota // 55.42
  1. Virginia // 54.98
  1. Washington // 54.76
  1. Missouri // 54.29
  1. Nevada // 53.64

The world uses Valentine's Day to celebrate romance, but you can take it as an opportunity to embrace singledom in 2020. If that's your plan, here are some vintage tips for living alone to keep in mind.

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