Should I Upgrade my iPhone to the Latest Operating System?

Disclosure – This post was sponsored by Asurion as part of an Influencer Activation for Influence Central.

Should I Upgrade my iPhone to the Latest Operating System?

I have to admit that I rarely keep up with the upgrades to my iPhone’s operating system. I’m always afraid that something will happen and I’ll lose the thousands of pictures I have stored on there, or my calendar information or one of the many other things that help my phone make my life easier. Lately though it seems like there were several new updates all in a row and now I’m nervous about NOT updating the iOS. What if I’m now vulnerable to other problems or hackers or something awful? I don’t think I could survive without my phone!

Since my phone is always either in my hand or pretty close by I firmly believe in keeping insurance protection on it so I’ve always kept the Asurion plan current through AT&T. Well I only just recently realized that along with that protection I get the  Asurion Premier Support that provides me with unlimited expert tech support. No matter who your carrier is you can download the app and get one click technical support for all sorts of issues – from setup, to troubleshooting, to explaining features of your mobile device and so much more.

With the app on my iPhone I was able to get on the line with a knowledgeable expert with one click!  I talked with Anthony about my concerns in updating the iOS on my iPhone and he assured me that updated don’t affect any of the content on my phone like my pictures, videos and other information. Instead, he informed me that I really should keep the operating system current on my phone (even if I’m not experiencing any problems) because the updates fix known bugs and glitches, and it keeps me current with all the latest features. Plus I learned that not updating can cause delays in searches, messages and other features.

Anthony walked me through getting my phone updated to the current iOS version and even called me back 20 minutes later to make sure the process went well. I was very impressed with the service I received and I’m happy to know that I can call back anytime with any other issues I might run into on my mobile devices.

Asurion partners with all the country’s leading wireless providers so, like me, you may already have Premier Support and not even know it. You can get more information about your plan’s benefits and how to get free technical support at one of these sites:

Verizon’s Total Mobile Protection

AT&T’s Pro Tech Support

Sprint’s Total Equipment Protection

 

Take Advantage of Insurance Open Enrollment Periods

Disclosure – I participated in a campaign on behalf of Mom Central Consulting (#MC) for Aflac. I received a promotional item as a thank you for participating.”

Health Savings

I started a new job in September and I happily switched my family’s health insurance over to the company’s policy even though it was a little more expensive because it actually covers more and my portion of the payment comes out of pre-tax dollars from my paycheck. Well not long after I started work I began getting emails that the open enrollment period had begun and I figured that I didn’t need to pay much attention since I had just signed up for coverage only a couple weeks before. What  I didn’t realize was that there were some changes to the way the policy works and that I needed to go through them and sign off as a non-smoker and put in information that hadn’t been requested before in order to avoid new surcharges that would be additional fees coming out of my paycheck.

Although the company did a good job of letting me know about the open enrollment period, they didn’t point out that it could be costing me more money if I didn’t at least take a look at the changes that were coming. Fortunately someone else at work let me know and I have now avoided the extra $40/month they would have been charging me for a full year until the next open enrollment period when I could make changes.

According to an Aflac survey 69 percent of workers say their employer hasn’t communicated changes coming to their benefits package due to health care reform  despite the October 1 deadline for employers to notify their employees of their coverage options.

I wanted to take this opportunity to  encourage you guys to learn more about your health insurance options and to ask questions about your coverage if you don’t know exactly what you have or what changes are being made due to new health care reform laws. Before I switched policies I actually called the insurance company and got their help in comparing their policy with my old one so I could make an informed decision, but I still would have lost money if I hadn’t taken the time to go over the policy again during the open enrollment period.

That health insurance survey I mentioned earlier also found that 60 percent of workers have not begun to educate themselves about coming changes to their benefits package due to health care reform, but it’s your money and your health so take charge of it by taking a few minutes to better understand what you have and what changes, if any, are being made. You’ll be glad you did!

Do A Mid-Year Health Check-In!

Our family’s health care expenses including health insurance have become the biggest part of our monthly budget next to our mortgage of course. Over the years our family’s health care needs have changed, as the children have gotten older we’ve had to add things like deductibles and co-pays for dentist visits to the budget. While the costs add up, I believe it is very important to take advantage of all preventive checkups and measures that are covered by your health insurance plan so you don’t end up with larger more expensive issues later on that may have been prevented.

Healthcare costs will likely continue to rise so I highly recommend that you do a mid-year health check-in. Here are some great tips to get you started:

  • Make sure that you’re taking advantage of all preventive services offered by your health plan such as annual checkups.
  • Be sure to keep the phone numbers for your doctors and pharmacy handy, keep the list in your purse or wallet and on the refrigerator.
  • Know where your nearest urgent care center is as they are often less expensive and more fully covered than the emergency room.
  • Finally, plan to spend a night at least once a year where you review your family’s health care needs and potential expenses. Will anyone need glasses this year? Or braces?

Planning ahead for future healthcare expenses and keeping them in your budget like you would groceries or utilities will help you to stay healthier and still receive the high quality care that you deserve. Watch the video above for information on preventive health care in the Health Plan Conversation video series from Cigna.

Disclosure – I participated in a campaign on behalf of Mom Central Consulting on behalf of Cigna. I received a promotional item as a thank-you for participating. All thoughts and opinions are completely my own.

How to Afford Your Health

We’re all asking ourselves the same question: what am I going to do about my health insurance? Answers are as hard to come by as next week’s paycheck, and easy answers have dwindled away along with our savings accounts. Don’t despair—I’m going to tell you a few things you’ll be glad to hear, a few things you’d rather not hear, and one thing you’ve been waiting a long time to hear.

You can keep costs down

Even as costs go up, you have ways to get the health care you need on the cheap. Walmart and other supermarkets, for example, have generic prescription drugs for as low as $4. With open enrollment periods going on right now, you can take advantage of new plans for you or for family members. Look at last year’s coverage—what worked? What didn’t? Are you kicking yourself for signing a service that you never needed? Now is the time to plan ahead. Tailor your plan to suit your needs, and use this opportunity to look ahead.

It’s homework time…

Now for something you’d rather not hear: you’re going to have to do some good ol’ homework. I know you left research papers behind years ago, but this research project is worth it.

First things first: plan ahead. If you’re planning on fixing your knee that you blew out during basketball or if you and your spouse are counting on a new bundle in 9 months, then you’ll want to figure in all the major medical expenses that you will have. Get rid of any coverage that you didn’t need last year—I know, I’d like to keep it, too, but pinching pennies requires some sacrifices.

Second, look at your options. It’s basic economics—who’s going to give you the most coverage for the smallest price tag? This is where most of that research is going to come in, and you’ll be glad you did it (or mad you didn’t) the next time you need to test out your deductible.

Some companies offer Preferred Provider Insurance (PPO), Health Maintenance Organization (HMO), Health Savings Accounts (HSA), or even a combination of the three. I’d love to be able to tell you which one is right for you, but it all depends on your circumstances. Read the pamphlets, check the websites, and make an educated decision. It’s worth every second.

A ray of hope

Good health insurance exists, you can have it, and you can afford it. While I was growing up, I always heard my dad say that insurance is like gambling: it’s like throwing money away if you don’t need it, and it’s like heaven when you do need it. You can take care of your loved ones without feeling like you’re handing your check over to the insurance companies.

Do your homework. Buy generic. Plan ahead. Spend the time to make the right decision so you don’t have to spend the money for making the wrong decision.

ABOUT THE AUTHOR:

Jared Heath is a freelance writer and editor who specializes in medicare advantage plans and other ways help people keep a little more money in their pocket. He passionately loves his wife, his job, and his gym membership. For more crazy things that Jared can come up with, email him at jheath.biz@gmail.com.