When my mom was diagnosed with arthritis while still in her 50s, she nearly became depressed over the diagnosis. After talking with her, she explained that if she was already getting a condition that she didn’t think she would get until she was well into her 70s, then she wondered what else was going to happen sooner rather than later. I hated seeing her that way, so I started researching everything I could on arthritis. What I discovered surprised me a good bit, because I discovered that a chiropractor in Corte Madera would be able to help her with this. Continue reading →
My brother and I were fishing and he saw me rolling my neck around and stretching the muscles in my shoulders. He quipped how I probably should go see my “back cracker” again. My brother did not have back pain. He is younger than me, and does not do what I do for a living. He was suspicious of chiropractic medicine calling them “quackopractors.” He never meant any meanness, he was just being my brother. He could not understand the ongoing relationship I had with my chiropractor in San Diego. He compared it to going to see a regular doctor. He would say how if you have a sinus infection, you go to the doctor once and get a pill that fixes you up. He said going back to my chiropractor on a regular basis sounded odd.
Well, my brother has diabetes and I do not. Continue reading →
Why Most Major Medical Polices Do Not Cover Wisdom Teeth Removal
Did you know that most medical health insurance companies consider wisdom teeth procedures, an elective surgery? In very rare cases, medical insurance will cover dental extractions, under their health insurance policies but, having your wisdom teeth removed is not one of the reasons. If you are looking for some sort of insurance to help you pay off the high cost of having, your third molar teeth removed, purchasing dental insurance is the best option.
I am not an industry expert here looking to sell you dental insurance. However, I do work for an Oral Surgeon. Everyday people like you are often left disappointed, when they find out at the check out window that their health insurance coverage, does not pay for teeth extractions period. Even though having your third molar teeth removed, takes surgical precision from an Oral Surgeon; it is how the insurance industry classifies this particular surgery and “codes” it, which allows them to slip through the loop hole.
If you think your health insurance will cover this procedure, it is advised that you obtained that in writing from your health insurance’s home office before having the procedure. In other words, do not take your health insurance sales agent word for it that “it is covered.” Nine times out of ten- you will get burned by that mistake, and it can be a very costly error, and often occurring at the most inopportune time. It is a very common misconception out there that wisdom teeth, are covered by health insurance. Be prepared to pay at least $2100.00 for the intravenous sedation procedure, at the time of service. Doctors are not bankers, and most doctors (especially surgeons) are not willing to get into the lending business.
Zachary After His Third Molar Extraction Surgery
My son Zach, right after his surgery.
My son Zach, right after his surgery.
Funny Wisdom Teeth Video
Facts Effecting Cost of Having Wisdom Teeth Extracted
Having your wisdom teeth removed can be a difficult procedure. Most often if your dentist has referred you to an Oral Surgeon to have your wisdom teeth removed, it is because they do not have the necessary training it takes to be an Oral Surgeon, or your anatomy makes the case a difficult one. Nowadays, dentists rarely extract third molar teeth. They are simply too difficult, and there are many variables that can leave a person with damaged facial nerves.
Often times, third molar teeth are impacted in the jaw, and surrounded by bone.
The older we get the harder the jawbone becomes, and wisdom teeth often become consolidated with the bone tissue. Which basically means the tooth roots have fused themselves to the jaw bone itself, and no longer have a noticeable tooth socket anymore to work with. When the tooth root becomes fused to the bone, the condition is known as being ankylosis. This condition is an abnormal adhesion of the tooth roots, and rigidity of the jaw bone surrounding it. That is why it is so important to have your wisdom teeth removed ideally around the ages between 18 – 20.
When removing wisdom teeth, certain instruments called elevators are used to elevate the teeth from their tooth sockets.
Removing wisdom teeth on a forty year old female is ten times harder, than removing the wisdom teeth of an eighteen year old male.
The older a person gets, is one of the reasons why removing a tooth costs more money, than a simple tooth extraction might cost on someone younger.
Find out today, directly from the home office of your health insurance company, whether or not wisdom teeth are covered by your policy. You will be glad you did!
How to Recover Quickly from Having Your Wisdom Teeth Taken Out
Having your wisdom teeth taken out, how to prepare for it, what the operation is like and tips on how to recover quickly from the operation.
Great Wisdom Teeth Reaction
Don’t Cry at The Doctor’s Office
Get Care Credit
If you need help paying for the removal of your third molars aka wisdom teeth, and do not have dental insurance and/or it is to late to buy dental insurance; there is a new product out there called Care Credit. Care Credit is a six month same as cash credit agency. They have different policy options but, this particular policy option is what I am personally familiar with.
The Oral Surgeon’s office that I work for offers this to our patients, and it has been very beneficial to a large number of our clients. I do have some first hand knowledge of how easy the company is to deal with since it has been implemented at the office, going on three years now. If you need help paying for the procedure, and have a decent credit score already established, this is a good option for you to apply for and try.
You will first need to find out if your Oral Surgeon’s office carries any Care Credit policies, if they do it is worth applying for. Another bonus of using Care Credit, is that they do report to the Credit Bureau. Therefore, if you pay your bill off within their timeline, potentially your credit rating gets a positive boost.
What is Health Insurance anyway??!!
If you are like most people, you know very little about your health insurance. Usually provided through your employer, health insurance is there for you to help with the costs of your medical bills. Your employer may pay for you to have insurance, or you might pay a monthly premium in order to have insurance. Once people know they are eligible, they don’t do their homework in finding out all the important details of their insurance plans. Then they are surprised when they receive a bill in the mail. I have worked in the health insurance field as a medical claims analyst for over 13 years, and in that time I have counseled many participants in their coverage and explanation of their bills. I really think that if these people were more aware of their coverage, they would have made better choices. So I would like to explain, as simply as I can, the basics of insurance and the important terms to know.
***Before I begin-I must state that all insurances are different, and there might be specific rules and exclusions that your plan has. The best thing would be to refer to your benefits booklet, or contact your insurance carrier directly if you need the most accurate information*****
HMO vs. PPO
HMO-Health Maintenance Organization
These insurance plans require participants to chose a Primary Care Physician or PCP. You will be required to see your PCP first, and if you need to consult a specialist, you will need to obtain a referral from your PCP. There is a network of providers that you must see in order to receive coverage.
PPO-Preferred Provider Organization
This insurance plan has a specific network of providers that one can see to get reduced charges, and therefore are responsible for less. Participants are not required to use an in network provider, they can go out of network, but the benefits are usually at a lower coverage level. Participants are also not required to use referrals to see specialists. A list of network providers can be found online, or by contacting the network directly.
Provider is a term used for health professionals who provide health care services. Sometimes, the term refers only to physicians. Often, however, the term also refers to other health care professionals such as hospitals, nurse practitioners, chiropractors, physical therapists, and others offering specialized health care services.
EXPLANATION OF BENEFITS (EOB)
This is what you will receive from your insurance company once they have processed a bill for you. It will show the date of the service, the provider, the total charge, and how it was paid. If additional information is needed from you, it will specifiy what they need and how to provide that information. It is best to keep all these EOB’s and match them up with your bills as you receive them.
Most insurance plans will have a deductible that must be met before the plan pays out any benefits for certain services. This amount is not collected by the insurance company, but by the providers whose bills the deductible was applied. Not all services are subject to the deductible.
This is a set amount that your plan has determined to be paid out to your provider at the time of service. Generally primary care specialists and general practice physicians will have a lower co-pay then a specialist would have.
This is the amount that you are responsible for after the insurance has processed your claim and applied any deductibles or discounts. Usually on your insurance’s explanation of benefits, or EOB, your coinsurance amount will be shown as patient responsibility, or patient balance. Make sure this amount matches up with the amount that is shown on the bill that comes from the providers office-if it doesn’t-call the insurance before you pay!!
OUT OF POCKET
A set amount of money that the insurance determines, to be paid out of your pocket, before the plan will cover services at 100%. Be aware that some plan do not include your deductible and co-pays in this amount.
Each insurance plan will have a list of exclusions for things not covered. It is very important that you look over these exclusions, so that you will be aware of the services that will not be covered. When in doubt, contact your insurance company before having any major procedure done to make sure it is not listed as an exclusion.
Any service that is being done as a screening or for preventative reasons, is classified as routine. Some plans are very specific with their routine benefits, and may have certain limitations based on age, type of service, or dollar maximum.
Certain services may require approval from the insurance company before it is done. Examples may include elective inpatient hospital stays,home health care, some outpatient surgeries, and medical equipment.
Understanding your insurance plan doesn’t have to be as difficult as you think. If you arm yourself with the knowledge of these common terms, and familiarize yourself with your specific benefits, it will make it a lot easier to make sense of it all. Of course, you can always contact your insurance carrier and speak to a representative who can help explain your benefits for you. I am also available to answer any questions you may. I will do my best to help in any way I can!!!
Health benefits are an important part of the overall compensation package that is presented to a selected candidate for a new job. If the new job is with a large company or organization, chances are good, although not guaranteed, that the health benefits are going to be with a large health insurance provider which offers various options to the employees. If the new job is with a smaller company, there may be a costlier health insurance program in place that passes along much of the health benefit cost to the employee. As the cost of health care continues to rise and there is change on the horizon due to Obamacare’s effects on existing coverage plans, it is important for employees and prospective employees to understand the makeup of health benefits, and how they exist within the overall compensation package for an employee.
Do Your Homework: Know Your Health Benefits
Having good health benefits is very important to the American worker. Employees often choose to apply for those positions that have good health benefits in order to provide needed health coverage for themselves, their spouse and/or their dependents. Employers, especially public employers, have often been able to provide reasonably priced coverage as part of a way to attract qualified and experienced applicants. In fact, having a healthy benefits package could be a large chunk of the overall compensation package that is included in the offer letter when a job offer is extended. Employers now recognize that making health care part of their offer is becoming just too costly and have had to look to other means to attract employees.
With the continued Health Care Reform changes being implemented in recent years and new changes to be implemented in the near future, employees and applicants are paying attention to what packages are available with employers. The following are some basic questions that can start the discussion and possible negotiation of health benefits:
When do benefits start? This question is very important to a prospective applicant because the answer varies from employer to employer. Due to the investment that goes into hiring a new employee, many employers choose to establish a waiting period for new employees and the date that benefits start. For example, the first of the month following the employee’s ninetieth day of employment is a common waiting period for new employees. During the first three months, employers are able to determine if the employee is going to be worth the hiring investment. In other words, the employer generally knows by the third month of employment if it is going to keep the employee. Conversely, this waiting period allows the employee to decide whether they wish to continue with this employer. Due to the administrative costs that go into signing up an employee and his/her family for health benefits, many employers see the benefit of a waiting period before benefits become effective. Fortunately for some employees, many employers have shorter waiting periods, such as, for example, thirty days.
Bottom Line for Discussion: It is important to understand that most employers cannot waive the initial waiting period for new hires due to the contract the employer has agreed to with the insurance provider. A new employee or prospective employee may desire to negotiate this point but will be unsuccessful. Although this aspect of the benefits may be non-negotiable, it is a good idea to speck to the potential employer about other negotiable compensation items during that initial period of salary negotiations. When possible, negotiate financial assistance for the payment of the COBRA benefit from your previous employer during this waiting period. Since the cost to pay COBRA is usually very expensive, negotiate assistance from the new employer to cover this cost until the new benefits become effective for the employee. Successful negotiations of this benefit will keep the employee and his/her family covered continuously with health coverage.
What are the employee’s out-of-pocket expenses for health care? Co-pays and premiums are generally non-negotiable items as well. These amounts have been established for all employees, and figured into the overall package that was determined with the company’s cost to offer the benefits. Knowing what those costs are could be a very important factor in the overall determination of whether the individual accepts the job.
Bottom Line for Discussion For many workers, a high premium or expensive co-pay that must be expended to a health care provider for each medical visit for the worker and their dependents might be something that is just not going to work with their household budget. For those employees with young children who must go to the doctor frequently for those common childhood illnesses that get passed around at the daycares and schools (flu, colds, strep throat, etc.), they may consider this type of health benefit to not be family-friendly. Like the waiting period mentioned above, co-pays and premiums are generally non-negotiable as they are a part of the overall health care plan.
Are there regular wellness programs or incentives currently being used in the workplace? Many employers have started implementing wellness programs to promote good health education and awareness for the employees. Employers recognize the value of healthier employees to the cost of health care as well as to the company’s productivity.
Bottom Line for Discussion An employer who utilizes wellness programs demonstrates care and interest in the well-being of the employees. Preventive health measures and general awareness about common illnesses that plague America today are discussed in these sessions. High blood pressure, diabetes, cancer, healthy eating, etc., are all examples of topics presented to employees. In fact, many insurance providers offer assistance to employers with the coordination of these valuable events. Family members of the employee are often encouraged to attend. Asking about these programs is important to the prospective employee. because it is certainly a benefit related to health issues for employees.
Is there an Employee Health Clinic? Due to the increasing costs associated with health care coverage, employee absence in the workplace and general morale issues related to limited staff, many employers have considered and secured an employee clinic for its employees. These clinics are generally free to the employee and can help cut down on the costs both to the employer and the employee when it comes to some of the basic health care issues that cause an employee to miss work. Many of these employee health clinics are open to families of the employee as well.
Bottom Line for Discussion Employees can ask about existing programs that are beneficial for them and their families. Knowing that this clinic is a part of the overall package may add value to the overall compensation package that is offered to the new employee. Since many of these clinics are free to the employee, there would be less money given for co-pays to doctors for medical visits.
What kind of leave time is offered to employees? It is important to know how much paid time off is offered to employees of an organization. This area is one that may have negotiating possibilities during the pre-employment offer.
Bottom Line for Discussion Personal time, vacation time and sick time are all important benefits to the employee. A prospective employee who is negotiating a contract to include benefits should be aware of the leave time that is being allotted to employees. An individual might be able to negotiate additional time off due to the need to be “refreshed” and avoid “burnout” due to the high stress and pace of the job. These prospective employees may want to express the value that they will bring to the employer and desire to have a compensation package that offers the necessary time off to remain productive and in good health.
Gasoline price per barrel have come down to nearly $90/barrel yet the price of gasoline at the pump is still over $3 per gallon, when previously it was $1.50/gallon at current cost per barrel. Leading financial institutions are in dismay both in the United States and abroad. Unemployment rate has held steady for years below 5% until January 2008, when it began to increase. Unemployment rate is currently at 6.1% and by April 2009, it is forecast to be around 7%. The housing foreclosure rate is epidemic, the New York Stock Exchange Index is below 10,000 points, our dependence on foreign oil is out of control, and similar to the 1960’s with air pollution, “the sky is falling” with climate change exceeding at a greater rate than expected by greenhouse gases.
Along came congress and realized what had to be done, and the Emergency Economic Stabilization Bill was added to HR 1424. HR 1424 was sponsored by Rep Patrick Kennedy (D-Rhode Island) in March 2008 for the expansion of mental health coverage to be equivalent to other medical coverage. On October 3, 2008 the bill was passed by congress and signed by President George Bush. In effect it amounted to about $800 billion to bail out the economy. Additionally tacked on the bill were provisions to increase the FDIC insurance from $100,000 to $250,000, various tax credits for alternative energy uses by the private individual, and incentives for domestic petroleum production.
The lesson that we should learn from all of this is can we blame only one person or a group of persons. Yes, we can blame some groups for being irresponsible, but it appears that there may be a number of players including ourselves. We all want to live “the American dream”, and we enjoy America for its stability, the comforting lifestyle, its abundance, and the relative peace and security that we have over many nations in the world. But now we must look ahead at our future and the future for our loved ones. America still has numerous opportunities in the future yet we are slipping academically in the world. What we have to do is pull ourselves up by our “bootstrap” and be responsible with our own lives. That doesn’t mean to preach to those around you once you realize what you have to do, it means that you have to focus on your own life to be where you want to be and hopefully others will energize themselves also by your example and leadership.
What will HR 1424 do for us? It is a small confidence builder but it will take time. . It also provided blame for any economic predicament that we may be in; at least we can point fingers at someone else and therefore take the blame away from ourselves. We have to build America and ourselves from the inside out. We have to keep America at the forefront as a nation to enjoy, if not for other countries, then at least for ourselves and future generations. We have to do this on an individual level. First of all we need to build and maintain confidence in ourselves. We need to realize, like Franklin Roosevelt did, that not everything we do needs to be for pay. There are many things in America that need to be done but there is not enough money to go around. We should not rely on the government to bail us out; we need to rely on ourselves to bail our own self out.
To continue enjoying our way of life we need to work together to keep ourselves and America healthy. One person can make a difference.
Though it is very simpler and easier to get an inexpensive insurance, but the main and the most crucial point thing is to get a correct and suitable coverage. You will require computing out the best kind of auto insurance coverage recommendations that are correct and applicable in your condition.
Firstly and fore mostly, the needs of your auto insurance loan requires to be met. This may imply that you have to accomplish more than just possible coverage on the vehicle you are having. When you receive a loan on a vehicle, it does not matter how small or large it may be, the bank or any other financial organization that you are getting the loan from desires to preserve its investment and often, it needs you to bear adequate car coverage to conceal the loss if your car or any other vehicle is damaged in a mishap or an accident.
It can be cheap but it is officially required, there are certain methods by which you can minimize your full insurance coverage but you may require finding a professional’s judgment before you take any step further. You may not have adequate coverage to protect you if are minimizing the property damage and private wounds amount. Even your traveler and pertinent assets cannot be protected if you tend to minimize these amounts.
When you are doing an online shopping, you may get suggestions about your auto insurance contract, which may not be exactly fitting and appropriate for your condition. You can either elevate or reduce amounts on the individual insurance plans within the contract itself in order to conceal your condition rightly. This will also make your auto insurance bonus to rise up and lower down accordingly.
It is recommended by so many insurance companies to look and interrogate a lot before you purchase any insurance policy. Make sure you have gone through to the depth and are clearly familiar with the overall scenario of the policy. It is so because if you avail a loan on your car or other pertinent assets, you may not have good health coverage.
Before you buy any bad insurance policy and make a mistake, it is better if you take an advice from a professional insurance agent by telling him about your condition. You can see various auto insurance quotes by searching for them on the Internet and get a rough idea about the market.
As many as 40% of young adults aged 19-29 lack medical insurance. Yet for a healthy young adult, affordable young adult medical insurance is available. You just need to be willing to search a little bit for the best policy.
Options for Students
If you’re a student, you may still be able to obtain health coverage under your parents’ policies. The age limits for remaining on your parents’ policies varies by state, but is usually age 23-25. Check with your parents’ insurance company to see if this is a possibility.
Even if you’re too old, you may also be able to stay on your parents’ policies under the COBRA law. However, this option tends to be very expensive.
You can also check with your college to see if they offer an inexpensive policy for students.
If you are no longer in school, you have other options for obtaining health insurance. You may have a job that offers health insurance as a benefit. If you do, compare their costs and benefits to a private policy.
Insurance through your employer usually is your best option, but it never hurts to comparison shop. Go to an insurance comparison website and see what kinds of rates you can get from a private insurance company. Be sure you compare more than just the monthly premium, though. Look also at …
* Percentage paid for doctors and hospitals
* The ability to choose your own health care provider
If you don’t have a job that offers benefits, or there’s a waiting period before your benefits kick in, you may qualify for coverage through a state program. Otherwise, you definitely need to look at private insurance.
If you graduated from college, check if your school’s alumni association offers health insurance. Another good option if you are in good health is buying a high-deductible policy with low monthly premiums.
Where to Get Cheap Young Adult Medical Insurance
Within the past decade or so, there have been many more insurers jumping on the bandwagon to provide mental health coverage to patients in need. Before this, it was very rare to find insurance that would cover such issues. States have changed their laws regarding the availability of this type of coverage and many states mandate that insurance coverage is made available specifically for mental health issues. There are a variety of services and conditions that are covered by health insurance, so it should not be difficult to find the coverage that you need.
Many people know how expensive mental health services can be, which is why it is nice to learn that there are affordable options for mental health coverage. If mental health insurance is not already incorporated in your existing insurance policy, you can expect to pay just a little more each month for coverage. What’s more is that the coverage that you get will offer you effective treatment options because it will include plenty of room to get your expenses paid for by the insurance company. Mental health insurance is available to be used for problems like depression, anxiety, social phobias, relationship issues, and other mental disorders.
Usually, this type of coverage will allow between 20 and 30 sessions annually for counseling or other professional treatment. Additionally, they will cover 50-80% of the cost of those sessions, allowing your co-payments to be much smaller than what you would spend out of pocket. Some people prefer to use counseling and medical services that can help their mental health issues on a sliding scale, but this is not always the most affordable or even the best route to choose. It is important that you take the time to weigh your options and figure out exactly what health insurance coverage you need to get the affordable treatment that you deserve.
When it comes to getting mental health coverage with a traditional health insurance policy, you will want to shop around and compare your options. Every company has different allowances and types of coverage for mental healthcare, and you need to find what suits you best. Find a reputable insurance company that has good coverage and affordable rates. You can do this online or by talking to a health insurance agent, who offers free consulting and quotes with no obligation to buy. With the availability of mental coverage, you have no reason not to check it out.
Mental health coverage has come a long way with private health insurance companies. It still doesn’t offer the best coverage for everyone, but the improvements that have been made are significant. Still, people need to learn about mental health coverage and see what their best options are when they are shopping for private health insurance. Mental health care is very important in some people’s lives and finding the right coverage is critical. Even just a decade or two ago, this type of insurance coverage wasn’t readily available for people who needed it. By taking advantage of this coverage, you are benefiting from something that was a struggle to even get started.
Every health insurance company has different regulations and guidelines for mental health care. You need to explore the options that you have and determine which policies are going to be most effective for your needs. Look at things like how many visits you are allowed, because many insurance providers still consider this an extra coverage and limit the number of visits that are covered. You should also look at the lifetime coverage limit, if there is one, to make sure that it provides you with the allotted care that you need.
Other things to check out when you are shopping for mental health coverage include deductibles, included providers and whether they are offered, and what the guidelines are for using providers not listed by the insurer. Knowing these things will help you to get a better idea of your options and help you choose the right health insurance coverage for your mental health issues. If you are struggling to find insurance coverage or even if you just aren’t sure what to look for, take the time to talk with an insurance agent who can help you find the best mental health coverage that you can afford. Their services are free and they have the experience that you need.
Being able to get mental health coverage is a blessing to many. Counseling services and anti-psychotic medications are expensive, which keeps many people from getting the care that they need. In the past, people had to prove that they were mentally ill to a point of needing social security and disability benefits before their care was covered by anything. Today, there are dozens of insurance companies that offer mental health coverage, so make sure that you take advantage of that and get the coverage that works for you.