Insuring your office party

When any organization holds an office party, we know that a few things are going to occur: a few people will decide to make out, someone will have an argument with someone else, and a lot of people will talk about work.

Unfortunately, when you get a lot of people together in the same place, things can happen, especially if alcohol is involved. People can become silly, and they can take risks and chances that they wouldn’t take if they were sober.

This is where having one day insurance can pay off. If you have an office party that doesn’t take place in the work place, then you’re going to need to take out insurance. It’s probably for the best if you learn more about one day insurance, so you know exactly what you’re covered for.

Misbehaving employees

I’ve been to a few office parties in my time, and I know from my own experience that they can be a lot of fun. I also know that there’s always someone who wants to show off, and perhaps take things a little too far. This could probably get expensive, so while other people worry about their employees misbehaving, you can have peace of mind knowing that you’re insured.

When you mix people with alcohol, someone could get hurt, which is why this type of insurance is absolutely ideal. If someone gets hurt, you can always pay for the medical costs using the insurance that you’ve taken out. This insurance is usually and only likely to pay out if the person involved was injured due to some sort of negligence, but it’s good to know that the protection is there.

A massive event

If you’re holding a massive event, and you’re expecting hundreds if not thousands of people to turn up to your office party, then you need to get insured. You can get one day insurance that covers the cost of medical care, liability, and property. What’s more is that you’ll be able to get on and enjoy the event, without worrying about costs. When a lot of people attend a single event on a single day, things can happen. This is why it’s best to be insured. When people start to relax and enjoy themselves, they don’t behave the same way that they do when they’re at at work. Throw in some alcohol, and you’ve got a few hundred, or a few thousand people partying in just one venue.

Office parties can be a lot of fun. It can be a great time for employees to get together and enjoy themselves. It can be a chance for a lot of people to bond, and therefore work together a little better. It can also be a lot of stress, and it can cause headaches, in addition to being expensive. Do what you can to make sure that the next office party you have is a great one. Get the one day insurance that you need, and relax and enjoy yourself.

Does Your Insurance Cover Rehab?

When you’re about to attend rehab, you need to know if your insurance covers it. I know that this probably isn’t at the forefront of your mind right now, but it is something you need to look into.

Some places such as understand this, and help patients look into insurance issues, but others won’t. The problem with a lot of health insurance, is that it doesn’t cover the cost of alcohol and drug rehabilitation, until the patient in question develops health issues as a result of their addiction. This is pretty unfair, and it could potentially mean that those who are in desperate need of help, don’t end up getting it.

Drug and alcohol abuse is not something that should be ignored, and it’s not something that should be allowed to go untreated. The fact is that a lot of insurers still don’t recognize this type of addiction as being an illness. This is not the case at all, as we can now truthfully and honestly say that any type of addiction is an illness, and it’s one that needs to be dealt with as soon as possible.

What you can do

If you’re not sure if your existing health insurance policy covers drug and alcohol rehab, you should take a look. This may mean reading the small print, but it could be worth it. If you’re still unsure, you may want to think about phoning or emailing your insurance company to find out.

When it isn’t covered

When and if you discover your health insurance doesn’t cover drug and alcohol rehabilitation, you need to do something about it. If you don’t you could be landed with a huge bill at the end of your treatment. You may want to ask any family members or friends if they can help you, or you may want to start looking for an insurance policy that will cover the costs in question.

The good news

The good news is that some health insurance providers will take you on, even if you have a pre-existing condition (That is, you’re currently addicted to alcohol or drugs), but you may need to pay out a higher monthly premium in some cases.

Ask for help

Some treatment centers may actually help you sort out your insurance cover, so that you can start treatment very quickly. In the meantime, my advice is that you try to cut down on your alcohol or drug intake, even just by a tiny amount each day. If this seems to hard right now, please speak to a doctor and/or a rehabilitation center as they will be able to offer you some advice.

You don’t have to do this alone, you can get your life back on track with a bit of work, and a bit of guidance too. Find out what your current health insurance covers, and then workout where you can get the help you need. If you don’t currently have insurance, and you cannot afford it, look for a treatment center that will help you, even if you don’t have the cash.