As part of your self-funded health benefit plan administered by Starmark®, you can quickly and conveniently connect with a licensed doctor for non-emergency health problems 24/7 with Teladoc®.
How does Teladoc work?
Teladoc telemedicine services are available via phone, video or mobile app, for $40 or less.1
Teladoc doctors are U.S. board-certified physicians who average 20 years of medical experience and can diagnose, treat and prescribe necessary medications for common health issues such as:
- Cold and flu symptoms
- Respiratory infections
- Sinus problems
- Ear infections
- Skin problems
- And more
You can start using Teladoc by registering.
- Download the mobile app: Teladoc.com/mobile
- Call Teladoc: 1.800.Teladoc (835.2362)
- Log on at: Teladoc.com
To learn more about Teladoc, visit www.Teladoc.com/how-does-it-work.
1 Service available to members with effective dates of 7/1/15, and later. Teladoc is not available in Arkansas and is only available via video in Idaho and via phone in Texas. The consult fee is subject to change during the plan year. Effective 11/1/16, the consult fee will be lesser of the office visit copay if applicable, or $45.
Teladoc is not an affiliate of Starmark or Trustmark Life Insurance Company.
Everyone who visits the doctor’s office, hospital or other healthcare provider can benefit from double checking their bills. In addition to providing insight into how one’s healthcare dollars will be spent, it may also lead to spotting medical billing errors and avoiding overpayments.
Billing errors are not uncommon, and can range from duplicate charges, incorrect information such as a wrong insurance identification number, or an inflated quantity of services provided.
The following tips can help you catch common errors:
- Duplicate charges can appear on medical bills. To ensure you were not billed twice for a single service or procedure, carefully check medical bills and request an itemized bill if one was not provided.
- Cancelled tests or procedures can show up on an itemized bill. If you think you were overbilled, dispute the charge.
- Incorrect patient information such as an incorrect name spelling or policy number misprint can lead to a claim denial.
- Upcoding charges, such as a hospital inflating a patient’s diagnosis to one that represents a more serious condition, may result in a higher medical bill. Check to make sure the diagnosis on the bill is correct. If you are unsure, do some additional research online for coding or talk to your doctor’s office.
- Balance billing when in-network occurs when a healthcare provider bills you for charges other than deductible, co-payments, co-insurance or any other amount not covered by your health plan. Compare the bill to your EOB to confirm you haven’t been balance billed for the amount of the discount from the in-network provider.
- Incorrect quantity occurs when you are charged for an incorrect quantity of items or medications. This error can include an extra 0 placed at the end of a number by a billing department.
Celebrate Earth Day and save money with these seven easy lifestyle changes.
- Run your dishwasher when it is full
Running your dishwasher less often by only running full loads can save you around $40 and reduce your carbon dioxide emission by 100 pounds per year, according to the EPA.
- Purchase a reusable water bottle
Fifty-billion bottles of water are consumed in the United States every year, according to the EPA’s blog. The EPA is advocating “bring back the water fountain” which encourages people to buy a reusable bottle and fill it with tap water. This helps reduce the amount of bottles that end up in landfills.
- Insulate your home
The amount of energy lost by air escaping from small leaks of a typical home is the same amount of energy lost from leaving a window open every day, according to Energystar.gov. When you improve the insulation around your home and seal up cracks around windows and doors, you can keep your house from using unnecessary energy and save on utility bills.
- Help your local animal shelter by donating newspaper, fabric and plastic bags
Animal shelters use plastic bags, scraps of fabric and newspapers for bedding and other creative things, according to Earth911. Instead of tossing them in the trash, consider donating them to your local animal shelter.
- Recycle your cellphone
Help reduce air and water pollution a well as greenhouse gas emissions by recycling your old electronic devices, like cellphones. The EPA offers information about where and how to recycle your old devices.
- Get the extra items out of your vehicle
Having extra items in your vehicle weighs it down. The extra weight causes your car to emit more fuel than it needs to. Adding 100 pounds of unnecessary weight could reduce your MPG by 1 percent, according to FuelEconomy.gov.
- Get free stuff
Freerecycle.org helps keep landfills less cluttered by connecting people who are getting rid of stuff with people who want to take that stuff for free. The site has more than 9 million members worldwide. That’s a lot of freebies.
As healthcare costs continue to rise, consumers can empower themselves by understanding their healthcare plan and the cost-saving options available. The decisions one makes about their healthcare add up to either big savings or big spending.
Navigating healthcare plans and savings options can be challenging. Starmark® is dedicated to helping ensure members have access to the latest information available in order to maximize the value of their healthcare plan and minimize their costs. Recently two flyers were emailed to members focused on this important topic, including an overview of different levels of care options, such as a retail clinic vs. the emergency room, and a breakdown of costs and savings when choosing in-network vs. out-of-network care.
Keep your eye out for more tips and insight geared to help members make the best choices when it comes to minimizing healthcare costs.
Printers and copiers are among the most energy-intensive fixtures in the workplace. They, along with standard printer ink, also produce volatile organic compounds (VOCs), which are emitted as gases from certain solids or liquids and can harm your health.
Tips to help you get started:
- Expand the margins on documents. This will allow you to fit more text on each page. In turn, you print fewer pages per document.
- Print on both sides of the paper. Double-sided, or “duplex,” printing also helps you print fewer sheets of paper. Research your printer’s settings or consider switching to a printer that makes duplex printing simpler.
- Reuse scrap paper. To help reduce waste, place a bin for scrap paper next to the printer. Employees can reuse the paper for one-off printing or note taking instead of tossing it into the trash or recycling bin.
- Recycle paper. When finished with documents, recycle them instead of throwing them in the trash. If they do not contain sensitive information, consider recycling them by shredding and using them for packing material.
- Go paperless. Going paperless means reducing paper use as much as possible by using electronic file sharing and storage. In addition to saving paper, going paperless helps you spend less money and create more storage space.
The federal government released its latest recommendations and guidelines for healthful eating.
Here are the five guidelines that encourage healthy eating patterns:
- Follow a healthy eating pattern across the lifespan. Choose a healthy eating pattern at your appropriate calorie level to help achieve and maintain a healthy body weight, support nutrient adequacy, and reduce the risk of chronic disease.
- Focus on variety, nutrient density and amount. To meet nutrient needs within calorie limits, choose a variety of nutrient-dense foods across and within all food groups in recommended amounts.
- Limit calories from added sugars and saturated fats and reduce sodium intake. Consume less than 10 percent of calories per day from both added sugars and saturated fats; and less than 2,300 milligrams per day of sodium. If you consume alcohol, do so in moderation – up to one drink per day for women and up to two drinks per day for men.
- Shift to healthier food and beverage choices. Choose nutrient-dense foods and beverages across and within all food groups in place of less healthy choices. Consider cultural and personal preferences to make these shifts easier to accomplish and maintain.
- Support healthy eating patterns for all. Everyone has a role in helping to create and support healthy eating patterns in multiple settings nationwide, from home to school to work to communities.
We all get it. That icky, gross looking gunk that appears in our eyes when we wake up in the morning. Whether you call it eye mucus, sleep or eye discharge, this build-up is natural.
Eye discharge, or rheum as it’s technically known, is a collection of cells, mucus, oil and debris from the tears that form at the corners of our eyes during sleep. Rheum actually serves a protective function to remove waste and potentially harmful debris from the front surface of our eyes.
What Causes Eye Discharge?
Our eyes produce mucus throughout the day, but a continuous thin film of tears washes the mucus from our eyes as we blink. Blinking flushes out the rheum before it hardens, but when we’re asleep, we aren’t blinking. This is why the eye discharge collects at the corners of our eyes overnight, and we wake up with crusty eyes.
How to Safely Wash Away “Sleep” from Your Eyes
The best way to clean your eyes of discharge is to lay a washcloth soaked with hot water on the lids and lashes and gently clean them. If your eyes seem to be sticky or glued together, leave the hot washcloth on your eyes for a few minutes.
When to Call the Eye Doctor
Eye discharge is generally no cause for alarm, but excessive discharge – especially if it’s green or yellow or accompanied by vision issues – should be examined by an eye doctor. Increased eye mucus may be a sign of a more serious condition, such as pink eye.