Coping with the cost of living crisis: HSF health plan’s top tips

Know your benefits. Find top tips for coping with the financial crisis.

When the cost of living rises above what we’re earning (like energy bills, food shopping, etc), we can start to experience financial difficulties. There is no quick fix for improving our financial situation – and it’s not always as simple as raising salaries if budgets do not allow it.

If you’re already a policyholder at HSF health plan,  we and your employers are here to support you in taking care of your well-being: whether that be physical or mental. In this article, make sure you’re clued up on the extra benefits available to you – whether you’re looking for ways to save or in need of support.

Are you claiming back your health expenses?

If you’ve got a cash plan, you can easily claim back for everyday health costs. If something feels wrong or you need a check-up, it’s reassuring to know you can take care of your health without the worry of added expenses. There’s a wide range of costs you can get reimbursed – such as optical, dental, physiotherapy, specialist consultations, GP expenses and more.

Need support? Just pick up the phone

Recognise that you’re not alone if you have any worries and concerns about your personal financial situation (especially while we are experiencing the cost of living crisis). It can have a detrimental impact on your mental health.

All policyholders in Ireland and the UK have access to HSF Assist. The employee assistance program gives you access to counselling services, a GP advice line, a virtual doctor, a private prescription service, and even legal advice. If you need to talk, ensure you are taking advantage of these services.

Put yourself first

Aside from the benefits you have at your fingertips above, the ultimate way to cope with any kind of stress is by putting yourself first and taking care of your health. Try these tips:

• Try to keep a positive mindset: if you can, try to keep up your regular routine, mealtimes, and bedtime. If you’re feeling down, acknowledge it, recognise it, and if necessary, let the people around you know how you’re feeling.
• Maintain a healthy lifestyle: eat nutritious food, get enough sleep, stay active, and if you can, try to avoid negative coping mechanisms such as alcohol, drugs or smoking.
• Stay connected socially: an open and supportive culture at work is helpful for everyone when it comes to mental health. You may find talking about financial well-being openly helps. It might help you to know that everyone is going through the same thing.

 

 

HSF health plan