#Car Insurance in Wake Forest and Chapel Hill

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How to Get the Best Deal on Car Insurance in Wake Forest and Chapel Hill, North Carolina

The best way to find a car insurance company is to look at a few different companies and compare their rates. One can compare rates online or call other companies to get quotes. It is also essential to look at the various discounts or coupons each company offers. Here are a few steps one can take to find the best car insurance in Wake Forest and Chapel Hill, North Carolina. ​ Get an idea about the current coverage: The first step is to get an idea of what the current coverage is worth. This will help one determine how much coverage one needs. Getting to know what the coverage is worth is a two-step process. First, car owners must enlist details, including their exact make, model, and year, along with the vehicle identification number (VIN). Once they have all this information, they can tell exactly how much coverage they need to insure each car.

Compare car insurance rates: The second step is to compare car insurance rates and find one that offers the best value for your needs. There are many car insurance companies in the U.S., but they all differ regarding price and service quality. Doing adequate research and legwork can save money, time, and energy in the long run.

Improve credit score: The third step is to work on the credit. One's credit score is a significant factor in determining insurance rates. A good credit score means lower insurance rates. Insurance companies focus on one's credit history, and poor credit can affect one's insurance rates for five years. According to car insurance analysts, poor credit can increase people's auto insurance premiums by about 40%. One must improve their credit score by paying bills on time and having a low balance in their bank account. Tracking progress by checking the credit score monthly is also an excellent way to maintain one's credit score.

Skip both comprehensive and collision coverage: It would be best to skip comprehensive and collision coverage for an older car. Collision coverage pays for damage to the car in the event of an accident. Comprehensive coverage encompasses damage to the car from weather, animals, crashes, floods, fire, and vandalism. It also covers mechanical failure and the cost of towing or rental if the car is out of service for more than 24 hours. The maximum payout for either policy is determined by the depreciated value of the car. It's not a good idea to shell out for older vehicles that depreciate quickly, for their maximum coverage will be low.

Raise the deductible: If car owners spend on comprehensive and collision coverage, they can enjoy lower premiums by raising the deductible amount they must pay before the insurance company begins to reimburse them for damage and loss. There's no deductible on liability insurance, which takes care of all claims involving injuries and deaths, property damage, and personal injury protection.

Consider usage-based or pay-per-mile insurance: For safe drivers who don't log many miles, usage-based or pay-per-mile insurance might offer a better option. Signing up for these programs means car owners could pay only for the number of miles they drive.

Getting insurance products in bundles can drive more savings than traditional insurance products. For example, if someone opts for a combination of car insurance and homeowners insurance in Raleigh and Chapel Hill, North Carolina, they could enjoy more than 35 percent in savings.

[stephenmccull]

From Uber Vouchers to Patient Advocates: What It Takes to Increase ER Addiction Treatment

For years, Kayla West watched the opioid epidemic tear through her eastern Tennessee community. As a psychiatric nurse practitioner, she treated people with mental illness but felt she needed to do more to address addiction.

So in 2020, when the state created a position to help hospitals improve addiction care in the emergency room, West jumped at the opportunity.

She knew that many people with substance use disorders land in the ER, and that starting medications for opioid use — like buprenorphine (often known by the brand name Suboxone) — could double a person’s chance of staying in treatment a month later.

Yet she also knew that providing the medication was far from standard practice.

A recent report from the Legal Action Center and the Bloomberg American Health Initiative found that despite widespread consensus on the importance of addiction treatment in the ER and an unprecedented rise in overdose deaths, many hospitals fail to screen for substance use, offer medications to treat opioid use disorder or connect patients to follow-up care.

Many patients who don’t receive those services die shortly after discharge or within a year of their ER visit, the report said.

But a growing number of emergency rooms and health professionals are trying to change that by developing new approaches to address the missed treatment opportunity in ERs.

“We know it’s possible because others have done it,” said Sika Yeboah-Sampong, an attorney with Legal Action Center and co-author of the report. “You have a combination of levers and kinds of structures of how different cities, counties, states and even independent hospitals adopt these practices.”

These models have already been put in place in some big hospitals and small hospitals, rural areas and urban centers, those with ample resources and those on tight budgets, she said.

In Tennessee, West looked to several of them for helpful guidance as she developed a pilot program with one hospital she advises. “It’s like looking at a smorgasbord of options of where you can implement change,” she said. Here are just a few of the different strategies emerging from ERs across the United States:

Advocating for the Patient in California

Daniel Browne started drinking alcohol and using prescription opioids at age 14. By the time he was 24, he was on the verge of losing his job, his car and his apartment.

“I didn’t know where else to go to get treatment other than the ER,” he said.

In May 2020, Browne drove 15 minutes from his home to Adventist Health Howard Memorial Hospital in Willits, California, where he was immediately met by Mary Anne Cox Gould. At the time, Cox Gould was a substance use navigator for a program called CA Bridge. She championed addiction treatment in the hospital and helped connect patients from the ER to clinics in the community. (Cox Gould is now a supervisor of other navigators in Adventist Health hospitals.)

“She met me in the parking lot even before I went into the ER,” Browne recalled.

She stayed with him as he received his first dose of buprenorphine, which provided immediate relief from withdrawal symptoms. “Once you’re not facing the crippling detoxification, it’s much easier to not relapse,” Browne said.

Cox Gould then walked him over to the hospital’s outpatient clinic and helped him schedule recurring appointments. When Browne ran into obstacles filling his buprenorphine prescription at a local pharmacy, she made all the necessary arrangements for him to get it from the hospital.

Now more than a year into recovery, Browne said he’s become a more reliable employee and has reconnected with his parents and younger brother — successes he credits partly to the medication and consistent support he’s received.

Those are hallmarks of the CA Bridge program, said executive director Serena Clayton. Medication is considered a key element of treatment. Connecting patients with a navigator helps them in long-term recovery. And having navigators in the ER creates a more welcoming environment for patients, and gives ER staff a chance to learn more about addiction, she said.

The model is currently used by about 130 hospitals in California, and the state has allotted $40 million to expand the program to more than 100 others. The funds cover the salaries of substance use navigators, training for ER staff on prescribing buprenorphine and other technical assistance.

“This doesn’t have to be a one-off story about a really special hospital,” Clayton said. “It can happen at scale.”

Removing Obstacles for Patients and Doctors in New York

Patients with addiction face many barriers to recovery, said Dr. Joshua Lynch, an associate professor of emergency medicine at the University at Buffalo. But doctors who want to help them also encounter hurdles, he said.

ER physicians are short on time, often lack training for addiction-related issues and don’t know where to refer the patients for follow-up care. To improve the situation, both sets of barriers — for patients and for doctors — must be addressed, Lynch said.

That was his goal in creating New York MATTERS, a program that gives patients access to buprenorphine and links them to addiction clinics to continue treatment. It also provides pharmacy vouchers that cover 14 days of medication and Uber vouchers to cover transportation to the clinic — all through an electronic referral system.

“Being able to offer all of this without having to make any phone calls is probably what makes the doctors most likely to use it,” Lynch said.

The program, partially funded by the state Department of Health, includes 38 hospitals and 94 clinics across New York that are vetted to ensure they provide buprenorphine to those who want it and accept patients regardless of insurance status. Providers in any participating ER can bring up a map of the clinics on a tablet and let patients choose where they’d like to be referred.

“This patient population is used to being told ‘no’ or ‘that’s not possible’ or ‘you have to go to this place,’” Lynch said. “We want to inspire them by giving them these choices.”

Most patients pick a clinic close to home or where they know a friend had a good experience, Lynch said.

He estimated about 55% of patients in the program make it to their first appointment, where they can receive medication and therapy. National figures suggest fewer than 10% of patients addicted to opioids receive similar treatment.

Lynch said the cost for any hospital or clinic to join the program is minimal, since it mostly leverages existing resources, and the state hosts the data for the referral platform. Expanding the program to facilities across the entire state would cost less than $4 million a year, he said.

Training Everyone in North Carolina

Dr. Blake Fagan is chief education officer at the Mountain Area Health Education Center in Asheville, North Carolina. For years, when he approached hospital ERs to offer addiction training, he heard a common refrain.

“We don’t have any place to send patients afterwards,” he said doctors told him.

Without a clear place for patients to continue treatment, the doctors were reluctant to even start medications for opioid use. That’s when Fagan and his colleagues realized their training had to extend beyond hospitals.

They reached out to federally qualified health centers, which treat people regardless of insurance status. In a state without Medicaid expansion and with large rural expanses, these centers serve many people with addiction.

Using just over $1 million in grant funding from two foundations, the Mountain Area Health Education Center trained 11 health centers and two local health departments over the past year and a half to provide medications for opioid use disorder. From March 2020 to May 2021, those centers treated more than 400 patients with the disorder.

Dr. Shuchin Shukla, who heads the program alongside partners at the University of North Carolina- Chapel Hill, said the centers have become obvious referral spots for doctors who start patients on medication in the ER.

“We consider ourselves a model for how to do this in a Medicaid non-expansion state,” Shukla said.

North Carolina also has programs to train medical students, residents, nurse practitioners and physician assistants in addiction care.

Dr. Sara McEwen, executive director of the nonprofit Governor’s Institute, which has helped to incorporate the training into medical school curricula, said students who see addiction prevention and treatment as a routine part of medicine will naturally apply that when they reach the ER or other clinical settings.

In fact, a recent study at Wake Forest School of Medicine found 60% of medical students who received the education reported using it during their internships.

“The learning is coming from med students to residents, up the chain,” said Paige Estave, a co-author of the study and a doctor of medicine/Ph.D. candidate at the school. “Students bringing it up will cause doctors to start thinking, talking and finding resources. … Hopefully, those little pieces of change will add up cumulatively to something more.”

Measuring Success

Across these varied models, one essential question remains: Do they work?

Unfortunately, it’s also one of the most challenging to answer, according to addiction researchers and those who run the programs. Many projects are still in the early phases and won’t be able to measure success for another few years. Others are struggling to gather long-term data that’s necessary for evaluation.

In North Carolina, for instance, McEwen knows more than 500 medical students receive the addiction training each year, but until they complete residency and practice on their own, it’s difficult to gauge how many will prescribe buprenorphine to their patients. In New York, Lynch can estimate how many patients make it to their first appointment at a clinic, and a recent study of the CA Bridge program tracked how many patients were given buprenorphine across 52 hospitals. But those numbers don’t indicate how many patients achieved long-term recovery. That would require tracking patients for months and years.

In the meantime, people like West who are looking to these models as guideposts must operate with a level of uncertainty. But she said she’d rather get started now than wait for the perfect solution.

“Any movement on this is a step in the right direction,” West said. “I’ve learned that no matter how varied your resources are, there are options for change in your ER.”

KHN (Kaiser Health News) is a national newsroom that produces in-depth journalism about health issues. Together with Policy Analysis and Polling, KHN is one of the three major operating programs at KFF (Kaiser Family Foundation). KFF is an endowed nonprofit organization providing information on health issues to the nation.

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From Uber Vouchers to Patient Advocates: What It Takes to Increase ER Addiction Treatment published first on https://smartdrinkingweb.weebly.com/

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Professional Junk Removal Raleigh NC LLC

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6 Ways a Commercial Electrician in Raleigh Can Save Your Business Money

Most businesses need a constant flow of power to ensure that they run optimally. It's one of the services local electrical contractors should supply. However, with great power comes an even greater electric bill.

With a licensed Raleigh electrician, there a number of steps that the business can take to reduce costs and improve productivity.

A commercial electrician will help implement energy-efficient technologies, ensure that the electrical infrastructure is done correctly, perform routine maintenance, prevent equipment failures and install backups to keep the business running even when the power goes out.

1 - Implement Energy Efficient Solutions

Energy efficiency looks at maximizing the output and minimizing wasted power. This work can be completed by a certified electrician who will install energy-efficient wiring, components, and lighting (working with LED technology). By doing this, businesses will use less power and save money on their utility bill.

2 - Professional Electrical Infrastructure

A licensed commercial electrician like Crisp Electric will ensure that the wiring and electrical infrastructure of a company have been installed correctly, which will ensure that internet speeds are optimized in addition to other benefits. This will assist with faster connectivity and raised office productivity.

3 - Robust Backup Power System

A backup power supply will keep the business online and operating efficiently even if there is a power outage or interruption. This provides essential security and safety for employees as well as clients. Backup power systems will be designed and installed specifically for a business to meet their needs and may include a generator, batteries, or both. A reputable local electrician will be able to ensure that the generator has been installed correctly and is regularly maintained.

4 - Effective Electrical Maintenance

A commercial electrician that comes in to regularly inspect a business’s wiring will prevent problems before they happen. If electrical maintenance is done well, the electrician will be able to detect any issues before they cause injury, damage, or downtime. This saves on larger electrical expenditure and allows for any fixes or replacement work to be factored into a budget. With this early warning system in place, it is also possible to plan for any future electrical improvements that might need to happen.

5 - Internal and External Lighting

Correct lighting is vital for the productivity and safety of employees. This extends to exterior landscape lighting and parking lot lighting so that employees are able to safely navigate to and from their cars when they arrive at work. This can save money as employees feel safe working after dark, which improves productivity, and that they can navigate to their vehicles without risk of costly injury.

For inside the office, improving internal lighting offers better working conditions. Poor lighting can have a knock-on effect of decreasing employee productivity and performance. A commercial electrician will ensure that the lighting fixtures are optimally configured to provide adequate, high-quality lighting and as well as checking that the fixtures have been correctly placed. This has a positive impact on the office environment and helps employees to give of their best.

6 - Improved Uptime

A certified electrician will be fully informed about electrical code compliance and safety regulations and therefore, will be able to check that a business’s electrical system has very few equipment failures. They will also ensure that occupational hazards for employees are minimized and that the business will not be liable for any penalties as a result of safety compliance issues.

Crisp Electric in Raleigh, North Carolina is a commercial and residential electrician that serves the communities of Raleigh, Wake Forest, Knightdale, Morrisville, Garner, Cary, Chapel Hill, and Durham. They are fully licensed and insured and, with over 30 years of experience, offer a top-quality electrical service for homeowners and businesses.

The nextinformation was first published on 6 Ways a Commercial Electrician in Raleigh Can Save Your Business Money and is courtesy of Crisp Electric. See more on:} Crisp Electric Blog Raleigh

[insurancecenterofdurham]

The Insurance Center of Durham is a full-service insurance agency. We are known for providing insurance options that meet the needs of our customers. We offer auto, home, business, life, and health insurance.