#but you pay for most tests and specialist visits out of your pocket

[keyrousse]

Some people: Oooh, you have public healthcare! It's great!

The national healthcare fund in Poland (NFZ): *cuts the already very low budget for dentistry, and makes it so dental surgeries and clinics will be paid mostly for check-ups and teeth extractions, actual restorative treatment - dangerously underfunded - be damned*

[allianzayudhya]

How Does Health Insurance Cover Outpatient Services?

When considering health insurance, many focus on hospital stays and major surgeries, but what about regular check-ups, minor procedures, and ongoing treatments? How does health insurance, outpatient services, and why are these benefits essential for comprehensive health care?

What Are Outpatient Services?

Outpatient services refer to medical treatments and procedures that do not require an overnight stay in a hospital. These services can include routine check-ups, diagnostic tests, minor surgical procedures, physical therapy, and consultations with specialists.

Why Are Outpatient Services Important?

Preventive Care: Regular outpatient visits help in early detection and prevention of diseases. Health insurance that covers outpatient services ensures you have access to routine screenings and check-ups, promoting overall health and well-being.

Chronic Condition Management: For individuals with chronic conditions like diabetes or hypertension, frequent outpatient visits are necessary for monitoring and management. Health insurance that includes outpatient coverage can significantly reduce out-of-pocket costs for these ongoing treatments.

Cost-Effective: Outpatient services are generally less expensive than inpatient care. Covering these services can help reduce the overall healthcare costs by preventing the need for more extensive and expensive treatments through early intervention.

How Does Health Insurance Cover Outpatient Services?

Consultations and Visits: Most health insurance plans cover visits to general practitioners and specialists. This includes consultations for minor illnesses, health check-ups, and follow-up appointments.

Diagnostic Tests: Health insurance often covers diagnostic tests such as blood tests, X-rays, and MRIs when prescribed by a doctor. These tests are crucial for diagnosing various health conditions early.

Minor Procedures: Some outpatient procedures, like minor surgeries, stitches, and wound care, are also covered under health insurance plans. This ensures that you receive timely care without the need for hospital admission.

Therapies and Rehabilitation: Coverage often extends to physical therapy, occupational therapy, and other rehabilitation services that help in recovery from injuries or surgeries.

Preventive Services: Many insurance plans include coverage for preventive services like vaccinations, screenings, and wellness programs. These services are essential for maintaining good health and preventing diseases.

Choosing the Right Health Insurance Plan for Outpatient Coverage

Coverage Details: When selecting a health insurance plan, check the specifics of outpatient coverage. Ensure that the plan includes a broad range of outpatient services.

Network of Providers: Verify that the insurance plan has a wide network of doctors, specialists, and outpatient facilities. This ensures you have access to quality care without additional costs.

Cost-Sharing: Understand the cost-sharing aspects such as co-pays, deductibles, and coinsurance for outpatient services. Choose a plan that offers affordable out-of-pocket costs for these services.

Exclusions and Limitations: Be aware of any exclusions or limitations on outpatient services. Some plans may have caps on the number of visits or types of services covered.

Conclusion

Outpatient services are a vital component of comprehensive healthcare. Ensuring that your health insurance covers these services can lead to better health outcomes and lower overall healthcare costs. By understanding how health insurance covers outpatient services, you can choose a plan that meets your needs and provides peace of mind. Explore your options and invest in a health insurance plan that offers robust outpatient coverage today.

[manasrajwadkar]

Health Insurance Companies: Ensuring Your Well-Being

In today's fast-paced world, where uncertainties loom large, having a robust health insurance plan is not just a luxury but a necessity. Health insurance companies play a pivotal role in safeguarding individuals and families against the financial burden of medical emergencies. Let's delve into the world of health insurance companies, exploring their significance, key features, and how to choose the right one for your needs.

Importance of Health Insurance Companies

Health insurance companies serve as a safety net, providing financial protection and access to quality healthcare services. They help individuals mitigate the high costs associated with medical treatments, hospitalizations, and prescription medications. By paying a premium, policyholders can secure coverage for a range of healthcare services, including doctor visits, surgeries, diagnostic tests, and preventive care.

Moreover, health insurance companies promote preventive care and wellness initiatives to help policyholders maintain good health and reduce the risk of chronic illnesses. They often offer incentives such as discounted gym memberships, nutrition counseling, and wellness programs to encourage healthy lifestyle choices.

Key Features of Health Insurance Companies

Coverage Options: Health insurance companies offer a variety of plans to cater to different needs and budgets. These may include individual plans, family plans, group plans for employers, and government-sponsored plans like Medicare and Medicaid.

Network of Providers: Most health insurance companies have a network of healthcare providers, including hospitals, doctors, specialists, and pharmacies. Policyholders can avail of discounted rates and seamless access to services within the network.

Premiums and Deductibles: Premiums are the monthly payments made to the insurance company to maintain coverage, while deductibles are the out-of-pocket expenses that policyholders must pay before the insurance kicks in. Understanding these costs is crucial in selecting the right plan.

Coverage Limits and Exclusions: Health insurance plans have limits on coverage for certain services or treatments. It's essential to review these limits and exclusions to avoid surprises when seeking medical care.

Customer Service: A reliable health insurance company should have excellent customer service to assist policyholders with claims, inquiries, and grievances promptly and efficiently.

Choosing the Right Health Insurance Company

When selecting a health insurance company, consider the following factors:

Coverage Needs: Assess your healthcare needs, including any pre-existing conditions, medications, and anticipated medical expenses. Choose a plan that provides adequate coverage for your specific requirements.

Network of Providers: Ensure that the health insurance company has a broad network of healthcare providers in your area to access quality care conveniently.

Costs: Compare premiums, deductibles, co-pays, and out-of-pocket limits across different plans to find one that offers comprehensive coverage at a reasonable cost.

Reputation and Financial Stability: Research the reputation and financial stability of the health insurance company by checking customer reviews, ratings, and financial strength ratings from agencies like AM Best.

Additional Benefits: Look for extra benefits such as telemedicine services, wellness programs, and prescription drug coverage that align with your healthcare needs and preferences.

Conclusion

In conclusion, health insurance companies play a vital role in safeguarding individuals' health and financial well-being. By choosing the right health insurance plan from a reputable company, you can ensure access to quality healthcare services, financial protection against medical expenses, and peace of mind knowing that you are covered in times of need. Take the time to research, compare options, and select a plan that meets your unique healthcare needs and budget. Remember, investing in health insurance today is an investment in a healthier and more secure future.

[williiamjames]

Budget Friendly Health Insurance Options That Won't Compromise Your Care

A vital component of contemporary living, health insurance offers protection against unforeseen medical costs. Finding the best health insurance strategy that provides thorough coverage without going bankrupt can be a difficult endeavor. Fortunately, there are reasonably priced solutions for health insurance that can offer high-quality care without endangering your financial stability. We will look at a few of these choices in this post and guide you through the world of reasonably priced health insurance.

Introduction: The Importance of Health Insurance

Financial security is offered to people and families by health insurance in the event of unexpected medical expenses, routine check-ups, and medical crises. You can receive medical care with health insurance without being concerned about staggering out-of-pocket expenses.

Understanding Different Types of Health Insurance Plans

Health Maintenance Organizations (HMOs)

HMOs focus on a network of medical facilities, making them a more affordable choice. They mandate that you select a primary care physician (PCP) and request recommendations for specialist visits.

Preferred Provider Organizations (PPOs)

PPOs give you more freedom when selecting a doctor or hospital. You can see specialists without a reference even if they're outside of their network, albeit the cost will be greater even though they have a list of approved providers.

High-Deductible Health Plans (HDHPs)

Despite having greater deductibles, HDHPs have lower premiums. They are compatible with HSAs, which provide tax benefits for medical spending.

Government-Sponsored Health Insurance Programs

Medicaid

Medicaid is a jointly funded state and federal initiative that provides qualified people and low-income families with free or inexpensive health insurance.

Children's Health Insurance Program (CHIP)

For low-income families with children who do not qualify for Medicaid, CHIP offers cheap coverage.

Health Insurance Marketplaces

Health insurance exchanges provide a variety of policies with different levels of coverage. In order to make insurance more accessible, subsidies and tax credits are provided based on income.

Short-Term Health Insurance Plans

Short-term insurance plans offer a temporary solution to coverage gaps brought on by life events like job loss or graduation.

Health Sharing Plans

Health sharing programs entail a group of people who help cover each other's medical costs. These plans may be economical, but they frequently have certain coverage restrictions.

Employer-Sponsored Health Insurance

Many workplaces provide benefits for health insurance, frequently paying a portion of the payment. It's crucial to examine the available plans and pick the one that best meets your requirements.

Telemedicine and Virtual Care Services

Telemedicine enables you to consult with medical specialists remotely, saving you money on travel expenses.

Preventive Care Coverage

Most health insurance policies provide free or discounted preventive care. This includes examinations, tests, and vaccines.

Prescription Drug Coverage

Make sure an insurance plan's prescription medicine coverage is appropriate before choosing it. Choosing generic drugs can result in significant cost savings.

Factors to Consider When Choosing a Budget-Friendly Plan

When comparing various plans, take into account coverage limits, the network of healthcare providers, deductibles, and copayments.

Tips for Maximizing Your Health Insurance Benefits

Take advantage of preventative services to preserve your wellbeing and identify any problems early. Use in-network providers to reduce costs.

Conclusion: Prioritizing Your Health and Finances

Your healthcare requirements and financial situation must be carefully considered when choosing a cost-effective health insurance plan. You may select a plan that safeguards your health while also keeping your spending in check by looking into the numerous possibilities that are offered.

FAQs (Frequently Asked Questions)

What is the best type of health insurance plan for someone on a tight budget? The ideal strategy will rely on your unique needs and situation. Think about things like your health, your chosen providers, and any prospective out-of-pocket expenses.

Are health sharing plans as comprehensive as traditional insurance? Although health sharing programs might provide extensive coverage, they frequently contain restrictions. Before enrolling, take sure to carefully check the plan's terms.

How do I qualify for Medicaid? State restrictions, family size, and income are used to determine Medicaid eligibility. For particular requirements, you can contact the Medicaid office in your state.

Can I change my health insurance plan if my needs change? It's frequently possible to switch health insurance plans during open enrollment or after a qualifying life event, like getting married or having a child.

Is telemedicine as effective as in-person doctor visits? For a variety of routine consultations and minor health conditions, telemedicine can be very useful. In-person visits, however, could be required for medical requirements that are more complicated or urgent.

[ralfmaximus]

Demon Trap

I finished the incantation, the last of the words yanked from my throat as they often are. My Sight revealed them swirling away from me, forming a vortex within the containment circle surrounding me, simple chalk on basement concrete.

I stepped carefully out of the circle then, popped the cap off a bottled water and swallowed half in one long draught. By the time I wiped my chin, my visitor was already forming.

He appeared first as an orange ember, a firefly darting frantically within the containment. Finding no escape, he settled into the center, about eye-height, finally spreading himself out a bit: now he spanned a half-dozen hands, sheets of electric fire spinning and churning. The suggestion now of eyes, teeth, horns, reptile skin stretched between bird-bones.

The process was fascinating, always different, yet always similar. Their kind was a bit predictable, which was why I worked in my chosen field. A specialist, I felt comfortable with my knowledge; what to expect, what to do when things went wrong. And this time, everything seemed to be humming along perfectly.

The last thing to arrive was his voice: a howling impotent rage, scaling up into dog-hearing, now bombing out into floor shaking subsonics. This too would subside, I knew, as the thing realized how thoroughly it was caught. I finished my water as I waited.

Eventually, silence. I cleared my throat.

“Hello in there?”

A momentary flash of fire, the howling and shrieking renewed. Were I standing within the circle, I might’ve been impressed. Perhaps even incinerated.

“Oh, quite enough of that, thank you. We have business to discuss.”

The shrieking stopped. I could almost envision a cartoon thought-balloon filled with question-marks hovering over the circle.

“Talk to me. I command it.”

It took a few moments; I could imagine the thing sorting through possible responses, but if I knew my demons, this one wasn’t stupid. Hopefully it wouldn’t spend a lot of time trying to impress me.

“Business?”

I smiled. The words were well-modulated, pitched for human ears. It’d worked with us before. Excellent. Gender neutral, mmmaybe a touch more male than female… but clearly it understood some basic rules.

“Yes. I have a business proposition. And you would be well advised to pay attention, because really… what else can you do?”

Subsonics again; the stuff on my walls shook. “Release me.”

“No. Not gonna happen. Not until we come to an agreement, anyway.”

Flash of heat, even through the circle. An explosion of random noise, insectile chittering, rabid bears singing opera: “I WILL STRIP YOUR FLESH FROM YOUR BONES!  I WILL FASHION YOUR SKIN INTO A CUNNING FALL JACKET!  YOUR ORGANS WILL FILL ITS POCKETS! I WILL—“

“Oh, please. Check my stats. Who has the real power here?  Go ahead… check it out. I’ll wait.”

It didn’t take long. The flames died back into silence as it murmured to itself for a few seconds.

Then, back into conversational mode: “Business?”

“Yes. That. Shall we get to it?”

A sigh. “Very well.”

“I find myself in need of a minion. A familiar, even, should you prove your worth. In exchange I will grant you a small boon of power, bound to my will of course, and a measure of freedom on this plane.”

“This is the human plane?”

“The very same.”

“Crap. I hate this place.”

This gave me pause. “Really. Something bad happen?”

“Oh… don’t get me started. It’s really a long boring story and I come off looking like an idiot, so no. Let’s not go there. Just know that I would burn your world to a cinder then piss on the fire. In a heartbeat.”

I nodded slowly. Good to know. I briefly considered probing for more, specifically when the demon had last visited, but knew that could rapidly spin out of control… their sense of time was different than ours. We could spend hours arguing the semantics of cause and effect, and we’d both end up irritated.

“Okay then. On the surface, does this business proposition interest you?  Say the word and I’ll send you back. No harm, no foul.”

“A question?”

“You may ask.”

“Why… me?”

Wow, that was a good question. Cut right to the heart of things, really. Did he know I’d been scanning for demons of a particular… situation?  Had my reputation preceded me?  Or was this an honest curiosity?  Or did he already know… and this was a test?  My paranoia ratcheted up a notch; I flicked a mental switch and brought some backup defenses online.

“You glow, sorcerer. I detect new shielding. Perhaps your posture is a lie; perhaps you are weak and ripe for the plucking. Mayhap I should test these bounds a bit more, see how strong they really are, hmm?”

An inferno swelled to fill the circle, now a cylinder stretching from floor to ceiling. It was like standing next to a house fire. I cursed mentally; drew in additional force, twisted the talisman dangling from my wrist. I’d pay for it later, but I sensed things might rampage out of control were they not stopped, now.

I pointed; the circle flashed. The being within howled. I’d delivered a few-gigavolts of whoop-ass, wholly beyond what was necessary to subdue a demon of his kind… but I wanted there to be no repeat performances. Show them a strong hand, and you’ll never have to use it. Usually.

It worked. The firefly was back. Stunned, it wavered then regrew to its amorphous teeth/eyes/wings/reptile blob of light, hovering at eye level.

“That went well,” it muttered.

It possessed a sense of humor; a bonus. I could work with this. Suddenly I wanted to work with this… my mind was made up in that moment.

“Try it again, and I’ll napalm you back to the Big Bang. Got that?”

“Accorded. The question.”

“Yes, your question.”  I decided to play along, might be useful for it to understand. And if it already knew, I was giving nothing away.

“I sought you specifically because I know superficially of your situation. You have fallen on hard times. Once powerful, once respected, now you are untouchable. I know not the specifics, nor do I care. But I do recognize talent when I see it. That is why I summoned you.”

It chuckled then. “I see. Release me.”

“Agree to be bound, and we’ll talk.”

“Very well,” it sighed. “I release myself.”

And suddenly things went very wrong. The containment circle winked off, drained of power as if it never was. The thing was suddenly in front of me, heat curling my eyebrows. A reptilian eye regarded mine, inches away, slitted iris opening with interest.

I sensed it then: fathomless power, carefully hidden. The thing was a master of stealth. I’d been tricked, thoroughly and completely. I swallowed, preparing myself to die.

It rumbled, its voice clearing. I closed my eyes.

“Human, I like you. I agree.”

The heat turned off then, as with a switch. I sensed its amusement as I opened my eyes, repressing my body’s urge to convulse and collapse. I took a deep breath, held it, released.

I kept to the script, mystified but willing to accept the gift. “So then, bind yourself and let us begin our new relationship.”

It chuckled again, but came across with the first three syllables of its name then. Which I’d already known, but that’s how contracts are signed. I locked them in and released yet another breath. Far more shakily than I would have liked. I suddenly needed to sit down.

A chair appeared beneath me. I sat. The thing howled with glee.

“See?  Already, I serve. You have a faithful servant. Rejoice, human, for today is a good day for us both. And let me just say, it took you long enough.”

I shifted in the chair, trying to decide if I wanted to lay down instead. This was too much. “Come again?”

“Oh, too delicious!  You sought me, when all this time, who sought whom?  I’ve been pushing you for months, human. How do you suppose my… situation… was revealed to you?  How?”

I racked my brains, trying to remember the exact moment when I selected him for my trap. I could not.

“You see, now. Yes. All is as intended.”

My bruised ego aside, I simply could not believe I’d been so thoroughly duped. Nevertheless… “You have me, I suppose. What now?”

“Oh, that is for you to decide. Master.”

This last was said with barely contained mirth, yet I sensed no ill will. Clearly it was enjoying yet another joke at my expense.

“Then you intend to honor the binding?  I mean, it is a binding, isn’t it?”

“Most certainly. A reasonable device, though I have suggestions for next time. You could learn a lot by seeing things from this perspective; loopholes have always been the bane of human magic, you know. But yes, I am bound. You command. I wish it this way.”

“Um… why?”

“A question,”  he mocked gently. “The human has a question. Very well: I shall answer. I lack motivation. True, I have power, and the will to use it… but am cursed with a lack of imagination or ambition. Perhaps I have always been so, perhaps I had such at one time, perhaps I am damaged… something has happened in the past few dozen centuries, I am uncertain. But no matter: it is how I am, and I acknowledge that freely. It took a lot of therapy to get to where I am now, by the way.”

Not sure if that last was a joke or not, and I didn’t want to risk insult by asking. I moved on.

“So,” I ventured, “we’re a team. I command, you follow, but only because you let me.”

“Well said. If I get bored I may napalm you back to the Big Bang, but I doubt you will bore me.”  The glowing orange blob eased in closer, as if to whisper a secret:  “As I said, I like you.”

I nodded then, slowly. Could be worse. Deep breath, and suddenly I felt better. Sat up a little straighter. Crossed my legs and leaned back, hands behind my head. Considered.

“We’ll need a physical form for you,” I mused.

“Select one. I’m not picky.”

I grinned, formed a thought, set it out for him to see.

His reaction was beautiful. “Surely you jest.”

“I always wanted a dog.”

He sighed. “Very well.”

A flash of light, the brief smell of burning hair. Smoke parted to reveal an irritated dachshund sitting on its haunches, snout pointed at me. But it was all good; I sensed his secret amusement.

“Well done,” I applauded. He took a little doggy bow.

The words ghosted into my head: “What is first on the agenda, Oh Wise and Beneficent Master?”

I stood, cracked my spine. “I’ll tell you upstairs.”  

It was fun watching him take the steps one at a time.

[scentedrunawayshark]

Health Insurance: What Is a Co-Pay? (With Examples)

Healthcare, health insurance and the medical billing industry are confusing and complex spaces. Sometimes, when talking to insurers and the billing department at your local doctor’s office, it can feel as if they’re speaking a different language. Here is the detailed answer to the most searched query about What is a Co-pay?

Co-pays and deductibles are two of the most common sources of confusion. Learn about what a co-pay is, how co-pays relate to deductibles and how both of these are related to your health insurance plan.

Contents [hide]

How Health Insurance Works

What Is a Co-Pay?

How to Offset the Cost of Co-Pays

Co-Pays vs Deductibles

Co-Pays vs Coinsurance

When Might a Co-Pay Be Owed?

When to Choose which?

How Health Insurance Works

Healthcare in the United States can be expensive. The full rate for a doctor’s visit can be hundreds of dollars. A three-night stay in a hospital may cost tens of thousands of dollars, and few people can afford to pay those fees out of pocket. This is part of the reason why health insurance coverage is so important.

Health insurance is a way of managing risk. Individuals sign up for a policy and then share the risk of needing healthcare with a group of others, known as enrollees. The health insurance provider charges a premium based on the overall group risk, banking on the idea that not everyone who is paying the premium is going to need expensive healthcare.

Those who do require care have their fees paid out of the total ‘pot’ paid by all other users. Health insurance plans that are offered on the Marketplace and are covered by the Affordable Care Act are required to include ten key elements of care:

Emergency services

Laboratory tests

Hospital stays

Outpatient care

Pediatric care, including oral and vision care

Maternity and newborn care

Preventative care and wellness services

Rehabilitation services

Prescription drugs

Mental health and substance abuse treatments

Note that while pediatric dental and vision care is included in Marketplace healthcare plans, care for adults is not, and would require separate dental or vision policies.

Most plans won’t cover the full cost of healthcare, though. There will be some out-of-pocket expenses, or co-pays, that policyholders are required to pay.

What Is a Co-Pay?

A co-pay is a set amount that a person has to pay towards their healthcare. This amount is a flat fee charged by a doctor or specialist. The patient pays that fee to access medical care, and the insurance company is billed for the rest.

Co-pays are used by commercial, employer and marketplace health insurance policies. There are different rules for Medicare and Medicaid, which have their own government-set deductibles and coinsurance rules.

Co-Pays vs Deductibles

Co-pays and deductibles are often used alongside one another in health insurance plans. They both involve the insured person making a payment, but differ in the amount of payment and how often the payment is made.

A deductible is the total amount that an insured person must pay out of their own pocket before their insurance begins at all. Usually, deductibles must be met on an annual basis.

A co-pay is a smaller amount that an insured person pays out each time they see a health professional.

Some insurance companies apply co-pays immediately, while others do not start taking co-pays into account until the deductible amount has been reached.

Co-Pays vs Coinsurance

Another consideration is coinsurance. Coinsurance refers to the percentage of the cost of treatment that the insured person has to pay for themselves.

For example, suppose a person needs a treatment that costs $1,000, and the coinsurance is 20%. If they haven’t met their deductible for the year, the patient would have to pay the whole amount. If they have met the deductible, then all they would need to pay is the coinsurance of $200. The insurance provider would pay the remaining $800.

When Might a Co-Pay Be Owed?

Co-pays are used for most office visits and related medical care, including:

Primary care physicians

Specialist doctor visits

Mental health services

Drug rehab services

Urgent care

Prescription drugs

Emergency room visits

Ambulance transportation

The amount charged for co-pays varies, but it is usually fairly low. Most providers will have a schedule of co-pay fees which will differ for individual treatments or services, such as general doctor’s visits, mental health and ER visits.

When to Choose which?

Deciding between a plan with co-pay and one with coinsurance can be tricky. The answer depends on the monthly premiums, how often the person expects to use medical services, and the type of medical services that they expect to use.

It’s a good idea to look at the list of fees for common services, and consider the medical services that the household accesses frequently.

For example, comparing two insurance providers, co-pays for a visit to a specialist could be $70, while coinsurance may bring that fee down to $50, making coinsurance a good choice for someone who expects to visit a specialist fairly frequently for a preexisting condition.

However, comparing the same two insurance companies, lab work could be $200 under coinsurance, but just $50 with a co-pay.

Fees all depend on the deals the insurance company has negotiated with the providers they work with.

Many providers offer multiple plans in different tiers, with higher-premium plans offering lower co-pays or lower coinsurance costs. Someone who is young, healthy, has no preexisting conditions and does not have a high-risk job or any high-risk hobbies might be happy with a lower monthly premium and higher fees for the occasions they access healthcare.

By contrast, an older person or someone who expects to need maternity care may prefer higher premiums, since they may be going to the doctor more often and accessing healthcare services. Despite the higher monthly cost, such a person may well end up saving money each year, since high-premium plans typically come with lower co-pays and coinsurance.

It’s well worth looking at past medical expenses and comparing the fees for them with fee schedules for other insurance policies. It’s hard to predict what medical services may be required in the future, but assuming a person’s overall health service use remains steady, changing from coinsurance to co-pay or vice versa could produce significant savings.

How to Offset the Cost of Co-Pays

If you expect to make use of medical services fairly regularly, you can prepare for the cost of co-pays and reduce the impact they have on your bank account by saving pre-tax funds into a health savings account (HSA), health reimbursement account (HRA) or flexible savings account (FSA).

These funds allow people to set aside money for healthcare costs, without paying tax on it, making it easier to cover costs when they arise.

The only way to reduce the fees is to change your plan, and that’s not always an option. Those who are in employment should check the plans offered at their workplace, because the purchasing power of an employer may mean that they are able to get better deals than an individual.

If you need to take out a new health insurance policy, use our comparison tool to see the options available to you. We may be able to help you save a lot of money while accessing the care you need from the network you prefer.

[mandelene]

My TED talk for the night:

If I didn’t have health insurance right now, I’d be fucked lol. I know people outside of the U.S. may think we’re exaggerating when we say being sick can bankrupt you if you’re uninsured, but we’re not. I didn’t even need a severe case of covid to start running up hefty medical bills. My case was classified as "moderate," but if I think about all of the medical care I’ve received in the last 2.5 weeks, it easily adds up to thousands of dollars -- I’ll have the exact number once my insurance starts processing the claims. 

First would be the bill from CityMD (an urgent care clinic). A brief consultation with a provider at CityMD costs about $300. A covid test is free here (idk about other states), but since I was seen by a PA and I had a chest x-ray done, the total cost of that visit was probably over $400. You can go to CityMD just for the covid test and ask not to see a provider so that you aren't charged for anything, but since I tested positive and I'm insured, I was seen.

Then, I went to the ER. An ER visit is at least $1,200, and that doesn’t include the diagnostic testing, so I’ll say it was around $2000-3000 in total. That’s probably a conservative number though.

My visit with my pulmonologist and my breathing tests were $270. That's always what he bills my insurance for a so-called "level 4 follow up visit" (aka a comprehensive visit for a moderate to severe medical issue or for the management of a complex chronic illness where you spend quite a bit of time with the doctor. Follow up visits range from level 1 to level 5 with level 1 being defined as a visit for a minor problem requiring probably just 5 minutes with the doctor whereas level 5 is "the highest level of care" for a severe problem that requires complex medical decision making and significantly more time). $270 for a visit with a specialist who does multiple diagnostic tests and spends 20-30 minutes with me is cheap, believe it or not. Remember -- my 5-minute talk with a PA (who is not a medical doctor) at CityMD was about $300, not counting the x-ray lmfao.

And since I’m going to a cardiologist on Tuesday, that consult will probably also be around $250-300. Then, at a bare minimum, he’ll do another EKG and repeat my bloodwork (another $200 approximately, maybe more depending what specific blood tests he wants). Plus, I'll almost certainly need an echocardiogram (ultrasound of the heart) because according to both my RN mom and my pulmonologist, that's pretty standard for someone presenting with my symptoms. So, that’s likely over $2000 in total for one visit because an echocardiogram alone can cost anywhere from $1000-$2000. He may want to run additional tests as well.

Thankfully, with my insurance, the total cost I’ll end up paying for all of this will be $55 ($35 co-pay for the ER visit, $10 co-pay for my pulmonologist, and another $10 co-pay for the cardiologist. CityMD will be fully covered.)

You basically have to hope you'll never get seriously or even just moderately sick if you don’t have insurance in America. Simple blood tests coupled with a basic level 1 or 2 visit with a doctor can end up being expensive depending on how much that provider chooses to charge. And even if you do have insurance, you have to cross your fingers that they’ll cover the services. I’m lucky my insurance covers most stuff. Typically, no matter how many diagnostic tests a doctor decides to do, the cost to me doesn’t change. I pay a $10 co-pay for every doctor’s office visit regardless of what’s done to me or what kind of doctor they are (aside from dentists because dental insurance is separate). I never have to think about how much a test is going to cost and whether or not I can afford to have it done. I have the luxury to agree to whatever the doctor thinks I need because I know it will be covered.

If I was told I need an echocardiogram but it was going to cost me $2000 out of pocket...I’d say no thanks and just hope nothing serious is wrong with me. It's sad and awful, but unfortunately, that's the position many Americans find themselves in.

Obviously, having covid is scary if you're symptomatic. You're already stressed and exhausted, and now you have to worry about the medical bills you'll eventually have to pay off if you're uninsured? If I was in that position...idk how I would cope. It would be devastating. No one should have to worry about how they're going to pay for the care they needed because they had covid. 💔

[bitcoinstorms]

Bitcoin Storm Review

Bitcoin Storm Code is accessible in many nations Here's the way you can begin with Bitcoin Storm Code On Bitcoin Storm Code's site, you should present your own subtleties. Bitcoin Storm Code expects you to present your first and last name, email address, and telephone number. Bitcoin Storm Review

The robot associates you to its exchanging dashboard where you can deal with the exchanging settings. We propose that you arrange your exchanging settings before you actuate the product.When the assets have been kept in your record, turn on the auto exchanging mode and let the product run. It is fitting to follow the record and change the exchanging settings if fundamental.

In light of our survey, Ryan Reynolds has never put resources into any mechanized Bitcoin Storm exchanging robot. These bits of gossip are phony and unwarranted. In any case, as you can finish up from our audit, the exchanging robots related with Ryan Reynolds are really genuine and clients guarantee that these exchanging robots perform well.

Dick Smith Bitcoin Storm – Did he Invest $1.5 Million out of a BTC Trading Robot?

Viral web-based media posts charging that Dick Smith has put resources into Bitcoin Storm through well known BTC exchanging roots have arisen on Twitter, Pinterest, and Facebook. Those spreading these bits of gossip affirm that Smith has put $1.5 million of every a robot known as Bitcoin Storm Up.

Bitcoin Storm Up is a PC program that brings in cash for clients by estimating on Bitcoin Storm through a monetary agreement known as CFD. It is a notable stage with far reaching media inclusion and over 10k positive surveys on TrustPilot.The stage runs naturally, and thus anybody can bring in cash with it. In addition, it is expand upon the blockchain innovation to guarantee a straightforward exchanging climate. This article will take a profound plunge on Dick Smith Bitcoin Storm bits of gossip. Bitcoin Storm Price

We will likewise give a preview of the Bitcoin Storm Up robot and offer tips to help you make benefits exchanging with it.

Who is Dick Smith?

Dick Smith is an Australian business and the organizer of Dick Smith Holdings among different endeavors. He is additionally a record-breaking pilot, political lobbyist, and humanitarian.

As of September 2021, Dick Smith is assessed to be worth roughly $60 million. Smith is an innovation sweetheart having established Dick Smith Electronics. Famous PC marks earlier connected with his organization incorporate System 80, Dick Smith Cat, VZ-200 and VZ-300, among others.

Dick Smith holding was recorded on ASX stock trade until 2016 when it went into receivership. As an innovation sweetheart, Smith has been exceptionally vocal about arising advances, however it isn't apparent on the off chance that he underwrites Bitcoin Storm.He is additionally a customary financial backer, and thus it is improbable that he would put resources into profoundly unstable resources like Bitcoin Storm.

Why are tattle online journals connecting Dick Smith to Bitcoin Storm Up?

Maybe the explanation VIP tattle online journals are connecting Bitcoin Storm Up with Dick Smith is that both are mainstream subjects in Australia. Dark cap advertisers are known to connect two disconnected however famous themes as misleading content to visit their foundation.

Bitcoin Storm Up application has as of late delivered a media preparation cautioning its clients against the wild utilization of its name in phony news. Clients are instructed to consistently affirm any piece concerning news on the Bitcoin Storm Up site prior to accepting it as reality.

Bitcoin Storm Up programming never uncovers the personality of its financial backers. It is in this way improbable that they would unveil such data regardless of whether it were valid. We have attempted to contact Dick Smith to get his point of view on this talk, yet he was at this point to get back when of going to press with this survey.

All things being equal, we haven't found any proof connecting him to Bitcoin Storm, and henceforth it is improbable that he has put resources into any robot. Besides, those spreading the Dick Smith Bitcoin Storm Up gossipy tidbits are just doing it through the web-based media and superstar tattle stages.

Bitcoin Storm Up App Review – Overview

Bitcoin Storm up application logoThis exchanging robot was established in 2015 by the International Bitcoin Storm Council. The robot turned into a web sensation during the crypto blast of 2017 after it arose that its clients were making a great many dollars each day in benefits.A portion of its clients are said to have joined the dollar mogul club during the air pocket. Bitcoin Storm Up application has stayed famous from that point forward and has purportedly helped many clients become moguls.

Its prominence is experiencing the rooftop in 2021 as another greater crypto blast is normal. BTC cost is now past the $12k imprint, and experts are foreseeing that it will hit $50k by mid one year from now. Unpredictability is at its pinnacle and subsequently there is more lucrative potential when exchanging with Bitcoin Storm Up.

Advantages of exchanging with Bitcoin Storm Up

Bitcoin Storm Up programming is the smartest choice for you in the event that you are keen on a simple method to bring in cash on the web. The robot is the 2021 champ of the desired Most Profitable Trading Robot by the American Association of Auto-brokers (AAA).

It has likewise won different honors among them the best robot in exchanging stages 2021, the best robot in client care 2019, and the most easy to use exchanging robot 2019. Here are the top advantages of exchanging with this robot.

Exceptionally productivity

In the event that you are adequately fortunate, you ought to have the option to construct a respectable every day pay when exchanging with this robot. The base capital you can exchange with is $250, and this sum is sufficient to procure you up to $1500 day by day.

Bitcoin Storm Up programming amplifies clients' exchanges through influence. Its accomplice dealers give an influence of up to 5000:1. This implies that clients can procure benefits of a $5000 represent each $1 of contributed capital. Through the force of compounding, you can grow a $250 store to more than $500k in around a half year of exchanging.

Simple to utilize stage

You don't have to have experience with exchanging to work Bitcoin Storm Up. The robot requires almost no manual info, and there is an exchanging manual to manage you through the arrangement and exchanging.

There is likewise a devoted record chief to respond to every one of your inquiries and guide you through the initial steps of exchanging. You should take risk and connect with them completely during demo exchanging to guarantee that you are completely ready for live exchanging.

Consistent withdrawals

You can pull out your benefits from the Bitcoin Storm Up stage at whatever point you need. It requires about an hour for the assets to reflect in your financial balance.

If it's not too much trouble, note that the accomplice agent encourages all withdrawals. There are no withdrawal charges on the accomplice merchant. Notwithstanding, the bank encouraging the exchange may charge a little withdrawal expense.

Magnificent client care administrations

In contrast to most robots, Bitcoin Storm Up gives day in and day out client support accessible through telephone, live visit and email.

Our tests show that it requires around five seconds to interface with their client specialists through telephone and live visit. Bitcoin Storm Up client care works together with the fundamental intermediaries' representatives to offer all assistance in one spot. Bitcoin Storm Signup

As referenced before, Bitcoin Storm Up application is fueled by blockchain to guarantee a straightforward exchanging climate. The conveyed record innovation (blockchain) empowers straightforward shared exchanges. Bitcoin Storm Up clients can utilize the DLT Smart agreements innovation to tackle any questions with the robot or the fundamental representative.

We can likewise affirm that the Bitcoin Storm Up site has the RSA encryption and henceforth secure from most types of cyberattacks. It likewise works with firmly controlled intermediaries, and thus customers are guaranteed that their cash is just utilized for the planned reason.

The vast majority of its merchants are under the administrative order of level one controllers, for example, the UK Financial Conduct Authority (FCA) and the Australian Securities and Investment Commission (ASIC).

https://www.cryptoerapro.com/bitcoin-storm/

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Real Estate Leads For Realtors

Since real estate costs have dropped a lot, the potential commissions that real estate specialists and intermediaries could acquire have likewise dropped. Yet, the drop in commissions can be more than counterbalance by the measure of properties that can be sold. Furthermore, getting quality real estate leads is one of the keys to making this a reality for real estate experts. This is on the grounds that there are such countless a greater number of properties available now than there were before the air pocket burst. 

The ascent in the quantity of property holders who are submerged on their home loans has expanded such a lot of that an extremely enormous number of them have concluded that they can't afford to remain in their homes. They would prefer to sell their home and purchase a similar home for a much lower cost, and assume the misfortune with the goal that they can improve their income circumstance by having a lower contract installment every month. Also, since there is no deficiency of properties to purchase, these individuals had no issue finding a reasonable home for a decent cost. Click here חוזה שכירות בלתי מוגנת

Also, another aftereffect of the ascent in accessible properties is that an ever increasing number of individuals are turning out to be first-time mortgage holders. Since costs on homes are falling, an ever increasing number of individuals can afford a permanent place to stay for a similar sum they are right now paying in lease. So the coherent decision for these individuals is to purchase a house instead of proceeding to lease. 

These variables all lead to a certain something - a more significant requirement for real estate specialists to help the purchasing and selling of these properties. Therefore, despite the fact that costs have fallen, the amount of accessible properties, purchasers, and merchants has raised which more than compensates for the lower costs as far as how much a given real estate specialist could make in the current real estate market. What's more, as we as a whole know, the more customers a real estate specialist has, the more properties they'll sell and the more cash they'll make. 

The issue comes in when a real estate specialist has experienced their present customer list. The most ideal route for them to get more customers is to by one way or another get all the more real estate leads. In addition to the fact that they need more leads, they need top notch leads in the event that they will be fruitful in changing over a high number of them into customers who really finish on purchasing and additionally selling at least one properties. 

So how might you get all the more real estate leads? There are obviously a wide range of ways. These incorporate getting them from an office that offers them, publicizing, buying in to lead age sites, creating and keeping current your own real estate site that draws potential 

customers to it, and most awesome aspect all by getting them through your own organization. There are without a doubt alternate methods of creating real estate leads also, however these are the most well-known techniques - all of which have demonstrated to work in a limited way. 

Probably the simplest approaches to get real estate leads is by buying them. There are organizations whose sole object is to discover individuals who need to purchase or sell a property. They at that point offer this information to individuals who will pay for it. So on the off chance that you are a real estate specialist searching for real estate leads and either don't have the opportunity to locate your own, or just would prefer not to, at that point this might be a decent alternative for you. 

There are two distinctive significant approaches to do this. You can buy the real estate leads from an organization as a bunch of information that you will get as a rundown or accounting page. At that point you should begin filtering through them and utilizing the information accessible to qualify and sort them yourself. Also, from that point forward, it's an ideal opportunity to begin settling on decisions to discover they are legitimate leads or not. 

The alternate method of buying real estate leads is by buying in to a real estate lead generator site that will send you a lot more modest arrangements of leads consistently. This can be decent in light of the fact that the information is probably going to be substantially more current than purchasing a solitary enormous rundown of leads. Yet, this additionally implies that there are less to work with so it doesn't give you as much opportunity as far as picking who to contact first. 

Buying real estate leads or buying in to a lead age site can likewise be costly. This can be an exceptionally awful thing since the entire aim of purchasing leads is to discover customers, sell properties, and make commissions, if the leads that you purchase don't transform into commissions. All things considered, not exclusively did you not sell any properties (or numerous properties), however you squandered cash on useless information, and you sat around reaching useless leads when you might have been chipping away at discovering great real estate leads all things being equal. 

Another approach to produce real estate leads is by promoting. On the off chance that you are a real estate specialist, representative, or finance manager, publicizing your administrations might be a decent method to produce real estate leads. This sort of lead age is incredible in light of the fact that as opposed to you accomplishing the work to discover individuals who need to purchase or sell a property, the tables are turned and they come searching for you all things being equal. 

Notwithstanding having individuals attempt to discover you rather than you attempting to discover them, there is another advantage to promoting to produce real estate leads. Individuals who are attempting to discover you are now certainly keen on purchasing or selling a property. This implies that you don't need to stress over whether they will end up being qualified leads or not, on the grounds that they certainly will be. 

A comparable method to create real estate leads by publicizing which can be much more compelling than essentially promoting on a bulletin or in the paper is by setting up your own real estate site. Sites are shockingly reasonable to have facilitated, and having one created for you doesn't need to be costly by the same token. Also, in the event that you get familiar with the rudiments of site improvement, you'll have the option to keep up it without help from anyone else after it's been set up so you can generally keep it current. 

The motivations to keep your site current can't be downplayed. In the first place, you need to keep it refreshed with the properties you are attempting to sell so individuals who visit your site will have something to take a gander at - and since this rundown of properties will be changing often as your customer list develops and transforms, you'll need to change your site frequently to fuse the new properties and take out the ones that are not, at this point accessible. 

A second purpose behind keeping your site refreshed consistently your page rank will become higher. Web search tools utilize various variables to decide that they are so applicable to specific watchwords, and where to show them in elite of list items. Furthermore, probably the greatest thing that pushes a site toward the first spot on the list is it's page rank, which is extraordinarily influenced by how dynamic and how current the site is. So the more regularly you update your site, the higher its page rank will be, the higher it'll appear in list items identified with real estate catchphrases, and the more guests you'll get to your site. 

When you get guests to your site, you'll be getting the openness you need to expected customers for nothing. They can remain on your site however long they need to and take a gander at as few or however many properties as they need to. Furthermore, you don't need to do anything to help them. Indeed there could be a large number of individuals all on your site simultaneously. That is something that you would not probably at any point have the chance to do face to face. This marvel is the thing that is known as influence, and influence is the thing that can transform a private venture into a fortune 500 business quite expeditiously when overseen accurately. 

The most ideal approach to do real estate lead age additionally turns out to be perhaps the most troublesome - in any event at the outset. The strategy for discovering leads is by building an enormous organization, and utilizing it. This is perhaps the most ideal approaches to get leads since it is quite possibly the most shockingly successful ways. In any case, unfortunately, it's additionally one of the more troublesome approaches to begin, and requires a long time to yield critical outcomes. 

The primary thing you'll have to do is to begin fabricating your organization. What's more, it isn't so much that you simply need to begin building it, you need to purposefully zero in on building your organization each end each day, regardless of where you are or who you're conversing with. This is on the grounds that for a great many people, organizing doesn't easily fall into place. 

In the event that you resemble the vast majority, you are presumably fairly timid and don't make it a highlight deliberately meet and converse with new individuals consistently. In any case, in the event that you need to assemble an organization, you'll need to do precisely that. This is something that can come as a test no doubt, both sincerely and actually, yet it is definitely justified even despite the effort over the long haul. 

It very well may be genuinely troublesome in light of the fact that a huge piece of building an enormous organization is managing dismissal. What's more, on the off chance that you need to construct a huge organization rapidly, you'll need to manage a great deal of dismissal every single day. An excessive number of individuals, being dismissed is taken actually and it winds up wearing them out so they ultimately surrender before they acquire the advantages that building a huge organization gives. Be that as it may, in the event that you can figure out how to not think about dismissal literally, you'll succeed where so numerous others have surrendered and fizzled thus. 

Furthermore, systems administration to produce real estate leads should be possible anyplace. At the point when you need to place a few gas in your vehicle, leave on the opposite side of the siphon from somebody who's now there and attempt to start up a discussion where you'll have the option to disclose to them that you're in the real estate business and can help them or any other person they realize who might be hoping to purchase or sell. What's more, in case you're really genuine about it, you may need to just get $10 or some other limited quantity of gas all at once so you'll have to go to the service station all the more regularly and have more freedoms to arrange. 

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Fat Freezing Or Fat Loss? The Very Best In Body Contouring

Fat Freezing Or Fat Burning? The Most Effective In Body Contouring

Content

Do You Slim Down With Fat Freezing?

What Can Patients Anticipate Throughout A Fat Freezing Treatment?

A very unusual autoimmune disease in which red cell are harmed throughout direct exposure to cool. Most individuals resume their normal daily activities immediately after each treatment. Customers do not need to be sedated or anesthetized prior to the procedure. Physical activity or workout is helpful on all degrees for general health and also weight monitoring.

Complying with a Cryolipolysis treatment there is no downtime or recuperation duration as well as clients can typically resume their day to day activities immediately. This is Including your Online Concept Research study, Study as well as end test. You will just require to see to it you are consuming a lot of water after your therapy to assist the Lymphatic system recede the toxins. Our experienced as well as professional team are here to answer your inquiries as well as work with you to design a therapy plan that's right for you. One therapy is normally adequate to obtain a great long lasting result as well as usually will lead to a 20-30% decrease in adipose tissue. If you disable this cookie, we will not have the ability to save your preferences.

Do You Drop Weight With Fat Freezing?

Please talk with among our specialists regarding your goals and also what you can anticipate from your therapy. The specialist works a sophisticated probe over the picked location, applying vacuum suction which produces a warm and afterwards a cold experience as the therapy works. Taking advantage of the power of low temperature levels, this treatment aims to assist contour bodies when utilized along with a healthy and balanced lifestyle. You may have only one troublesome location that may require just one treatment session. You may have greater than one issue location that may need therapy or might need more than one therapy in a specific location to achieve your wanted goal. You will deal with your doctor to make a plan-- as well as the variety of therapy sessions-- that will certainly best satisfy your wanted objectives. A rare problem in which the skin develops red, scratchy areas after exposure to cool temperature levels.

We can keep our rates extra affordable as we are a mobile facility and also do not have the economic worry of properties as well as all the cost that choose it. Once you are settled into your therapy you can chose to do whatever you like as long as you remain on the therapy bed. You can loosen up and read, carry out some service your phone and even chat to your specialist. Nonetheless, we suggest that you take this possibility to totally unwind, pay attention to some songs and also take a well deserved snooze. We can give you our word that this treatment actually does work and also has long lasting results. It is not a disadvantage or a slendering myth, this is a medically, attempted, examined and also shown treatment. No supplements or diet plan are needed for this type of therapy.

What Can Patients Anticipate During A Fat Freezing Therapy?

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https://borehamwood.lipofreeze2u.co.uk/arms/ ">

Which is better CoolSculpting or Venus Freeze?

The differences between the two technologies, “Coolsculpting actually destroys the fat cells. The Venus Freeze does not destroy fat cells, it does reduce fat cells, but what the Venus Freeze is best for is stimulating collagen and promoting skin tightening.”

The YES VISAGE facilities have the largest as well as most thorough series of interventions. Zeltiq Coolsculpting cryolipolysis is the only painless liposuction technique approved by the most rigid authority for the control as well as efficiency of medical gadgets - the US FDA. The YES VISAGE centers use the patented clinical tool Zeltiq Coolsculpting. An innovative LED light treatment device which is confirmed to invigorate skin as well as improve the most bothersome skin problem. The most sophisticated Fat Freezing maker offered today, including 360 ° air conditioning applicators and cutting edge Quattro innovation. After years of study, you can feel confident that the CoolSculpting ® treatment is based upon clinical proof. Medical research study assessing the effectiveness as well as safety and security of CoolSculpting ® has actually produced 52 magazines on the subject.

Treatment Overview.

Your approval is needed for Allergan to keep in mind your user information as well as choices with time. Please check your Web internet browser's instructions for more information about these functions. Your approval is volunteer; nonetheless, if you do not grant cookies being mounted on your browser, Allergan might not be able to supply you complete accessibility to or all the functionality of our websites. It also assists supply cookie-content-wrapper particular info to you as well as tracks how areas of web sites are utilized. Our Cryolipolysis machine is the most recent design to the marketplace with the most recent innovation. We have actually collaborated with the manufacturers to guarantee the absolute best cryolipolysis machine.

There are a number of cryolipolysis gadgets offered, such as CoolSculpting, MOCOOL-A as well as 3d-lipo, which likewise utilise radiofrequency and ultrasound. Nonetheless, my experience exists with the CoolSculpting gadget so I will certainly be discussing this in more information. Below's whatever you need to find out about the procedure that's popular with stars such as Gemma Collins and Khloe Kardashian. ' Larger people often tend to lose more inches, yet we additionally have dimension 8 clients who just wish to remove two or 3 inches of persistent belly fat. The Federal government has come under hefty criticism for stopping working to control the cosmetic therapy sector. However within hours, the skin on Sarah's stomach went from feeling numb and also white with chilly to blisteringly hot as well as bright red. They claim results such as 50 percent of fat in the location being completely damaged in one session, with some clients seeing outcomes within 48 hours.

However Cryolipolysis is not a choice to a healthy well balanced way of living. By integrating cryolipolysis Tring arms by lipofreeze2u.co.uk with a healthy and balanced diet plan and workout you will certainly improve therapy outcomes.

Does Cryolipolysis work on cellulite?

CoolSculpting® is designed to help the body naturally filter out excess fat cells in specific areas; it does not have the ability to address the fibrous bands that cause cellulite.

Book a FREE no-obligation examination with us today and also allow us help you attain your ideal body. Cryolipolysis is not appropriate for everybody, your Registered nurse will encourage you on the most efficient therapy for your locations. Do you have stubborn pockets of fat that you wish to decrease? Would you such as to see the back of your muffin tops, extra tyre, or bingo wings? Cryolipolysis uses an effective solution without needing surgical procedure.

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The Best Webhosting Services for 2021

Do You Need a Web Host?

If you own a business, web hosting is a necessity; it's no longer an optional luxury. Our always-connected world demands that business have an online page. In fact, even local brick-and-mortar mom-and-pop shops must be discoverable via the web. At the very least, a company needs a page with a location and business hours.

Why? Because word of mouth only gets you so far in the internet era. People discover new businesses—even local business—via Bing, Google, and Yahoo. The days when they'd just look you up in the yellow pages are long gone. If you don't have a sharable website address, your chances of building online word of mouth via social networking plummet, too. In other words, no website, no discoverability, no money. Of course, web hosting isn't just for businesses. You may want to host a personal website or blog, too. Either way, the services here have you covered.

See How We Test Web Hosting Services

The first step in building your online presence is finding a web host, the company that will store your website's files on its servers and deliver them to your readers' and customers' browsers. Bluehost, a PC Mag Business Choice winner, is a reader-recommended option.

Web hosting services offer varying amounts of monthly data transfers, storage, email, and other features. Even how you pay (month-to-month payments vs. annual payments) can be radically different, too, so taking the time to plot exactly what your company needs for online success is essential. Many of these companies also offer reseller hosting services, which let you go into business for yourself, offering hosting to your own customers without requiring you to spin up your own servers.

You should also familiarize yourself with the many web hosting tiers that are available. In your research, you'll find shared, virtual private server (VPS), dedicated hosting, and WordPress hosting plans. Each tier offers different specs and features that you should take the time to analyze. I'll break them down.

What Is Shared Web Hosting?

Shared hosting is web hosting in which the provider houses multiple sites on a single server. For example, Site A shares the same server with Site B, Site C, Site D, and Site E. The upside is that the multiple sites share the server cost, so shared web hosting is generally very inexpensive. In fact, you can find an option for less than $10 per month.

You could think of the sites that share your server as your roommates; there's really not that much separating you from them. Sure, you can close the bedroom door, but they can still cause nightmares for you in the kitchen and the bathroom. In web hosting terms, all the sites share a single server's resources, so huge traffic spike on Site A may impact the neighboring sites' performances. It's even possible that another site could take down the shared server altogether, if it crashed hard enough.

What Is VPS Web Hosting?

VPS hosting is similar to shared hosting in that multiple sites share the same server, but the similarities end there. A dedicated web host houses fewer sites per server than is the case with shared hosting, and each site has its own individual resources.

In housing terms, VPS hosting is like renting your own apartment in a larger building. You're much more isolated than in the roommate situation mentioned above; it's still possible that a neighboring apartment could causes annoyance for you, but far less likely. In web hosting terms, Site A's traffic surge won't have nearly as much impact on Site B or Site C. As you'd expect, VPS hosting costs more than shared hosting. You'll pay roughly $20 to $60 per month.

What Is Dedicated Web Hosting?

Dedicated hosting, on the other hand, is both powerful and pricey. It's reserved for sites that require an incredible amount of server resources.

Unlike shared or VPS hosting, dedicated hosting makes your website the lone tenant on a server. To extend the housing metaphor, having a dedicated server is like owning your own home. The means that your website taps the server's full power, and pays for the privilege. If you're looking for a high-powered site—an online mansion for your business—dedicated hosting is the way to go. That said, many dedicated web hosting services task you with handling backend, technical issues, much as homeowners have manage maintenance that renters generally leave to their landlords.

On the topic of dedicated hosting, many web hosting services also offer managed hosting. This type of hosting sees the web host act as your IT department, handling a server's maintenance and upkeep. This hosting option is something that you'd typically find with dedicated servers, so it's a business-centric addition. Naturally, it adds a few bucks to the hosting cost, but nothing that should break the bank if you have the resources for a dedicated server.

Business Hosting

When it's time to set up shop, look for a web host that offers the aforementioned dedicated servers, as well as advanced cloud server platforms (such as Amazon Web Services or Google Cloud), custom server builds should you need it, and 24/7 customer support. Depending on your business' focus, you may need a web host that can handle pageviews or visitors that rank in the high thousands or millions. Many busy hosting plans offer an onboarding specialist that can help you get started, too.

If you're planning on selling a product, look for a web host that offers a Secure Sockets Layer (SSL) certificate, because it encrypts the data between the customer's browser and web host to safeguard purchasing information. You're probably familiar with SSL; it's the green padlock that appears in your web browser's address bar as you visit an online financial institution or retail outlet. A few companies toss in a SSL certificate free of charge; others may charge you roughly $100 per year for that extra security layer.

What Is WordPress Web Hosting?

WordPress hosting is for people who want to build their sites on the back of the popular WordPress content management system (CMS) from WordPress.org. There are multiple ways to set up shop using this free, open-source blogging and site-building platform.

You gain the most web-building functionality if you create a self-hosted site. This typically involves transfering the free WordPress CMS to server or signing up for a web host's optimized WordPress plan. With an optimized plan, the host automatically handles backend stuff, so you don't have to worry about updating the plug-ins and CMS, and enabling automatic backups. In these instances, the WordPress environment typically comes pre-installed on the server.

You can also host your website on WordPress.com, but that's different from the kind of hosting mentioned above. WordPress.com uses the same code from WordPress.org, but it hides the server code and handles the hosting for you. In that sense, it resembles entries in our online site builder roundup. It's a simpler but less flexible and customizable way to approach WordPress hosting. It's definitely easier, but if you want to tinker and adjust and optimize every aspect of your site, it might not be for you.

Extra Web Hosting Info

If you're not sure of the type of hosting your business needs, you might want to start small, with shared Web hosting. You can always graduate to a more robust, feature-rich package of, say, VPS hosting or even dedicated hosting in the future. Unfortunately, some hosts don't offer all hosting types. Consider how much you expect to grow your website, and how soon, before you commit to anything longer than a one-year plan. It's worth spending the time up front to make sure that the host you select with is able to provide the growth you envision for your site, as switching web hosting providers midstream is not a trivial undertaking.

Once you decide you price range, you need to consider how long you'll need web hosting. If it's a short-term project—say, less than a month or two—you can typically receive a refund should you cancel your hosting within 60 days. Some companies offer 30-day money-back guarantees, others offer 90-day money-back guarantees. Once again, it's beneficial to do your homework.

The Web Hosting Features You Need

Many web hosts offer limited features in their starter packages and then expand the offerings (sometimes tremendously) for higher-tier plans. Read the small print to make sure the plan you are selecting offers what you need. If you need a site builder application to design your website, make sure that the low-cost web host you are picking actually comes with a site builder. Many of them require you to pay for the builder as a separate add-on. Website builders usually don't cost a lot of money, but if you can find a web host that includes one for free, that's money in your pocket. And, if it's integrated with your hosting service, you're more likely to have a smooth, supported experience.

You also want a web host with 24/7 customer support—if not by phone, then at least by chat. Forums, knowledge bases, and help tickets are all well and good, but sometimes you just need to communicate with another human to get things ironed out as quickly as possible. That said, not all 24/7 customer support teams are equal. Companies like GoDaddy and Liquid Web boast incredibly knowledgeable and helpful customer support squads—a fact that we confirmed in our in-depth reviews of those web hosting services.

When it comes to server operating systems, Linux is typically the default option. Still, some services offer a choice of Linux or Windows hosting. If you have specific server-side applications that require Windows, such as SQL Server or a custom application written in .NET, then you need to make sure your web host has Windows hosting. But don't let the idea of a Linux host intimidate you. Nowadays, most web hosts offer a graphical interface or a control panel to simplify server administration and website management. Instead of typing at the command line, you'll click easily identifiable icons.

Windows hosting is often more expensive than Linux hosting, especially in the dedicated server area. That's not always the case, but it's something you should be aware of as you shop around.

See How We Test Web Hosting Services

Email Hosting

If you aim to have a web presence, you've got to have email. It's a convenient way for potential customers and clients to send you a message, Word document, or other files. Thankfully, most web hosts include email in the price of their hosting plans. Some web hosts offer unlimited email account creation (which is great for future growth), while others offer a finite amount. You, naturally, should want unlimited email.

That said, not all web hosts offer email. WP Engine, for example, does not. In such instances, you must email accounts from a company other than your web host. GoDaddy, for instance, sells email packages starting at $3.49 per user, per month. That might sound like a hassle, and just one more thing to keep track of, but there are actually some webmasters who feel that separating your email hosting and web hosting services is smart. That way, one provider going offline won't completely bork your business.

Uptime, Uptime, Uptime!

The aforementioned features are valuable to the web hosting experience, but none matches the importance of site uptime. If your site is down, clients or customers will be unable to find you or access your products or services.

Recently, we've added uptime monitoring to our review process, and the results show that most web hosts do an excellent job of keeping sites up and running. Web hosts with uptime issues are heavily penalized during the review process and are unable to qualify for top ratings.

Ecommerce and Marketing

One thing we learned in reviewing the services listed here (and many more) is that even though the packages are very similar, they are not identical. Some are more security-focused than others, offering anti-spam and anti-malware tools. Others offer a variety of email marketing tools. While most of the hosts we've reviewed have built-in e-commerce, you may want to consider using a more-robust third-party online shopping cart application like Shopify instead.

If you're ready to select a great web hosting service, check out the chart above to see PCMag's top picks in the space. When you're done with that, click the links below to read our in-depth, tested reviews of the biggest and best names in web hosting.

If you're just getting started in the web hosting game, make sure to check out our primer, How to Build a Website, and How to Register a Domain Name for Your Website. The Best Courses for Learning How to Build Websites is an excellent start, too.

[wmacos73]

Bluehost Hosting Review: Is it worth buying in 2021

Bluehost has been a pioneer in the realm of facilitating since its foundation in 1996. Being one of the most punctual web facilitating specialist co-ops, it has amassed a huge measure of involvement and information to arise as the main brand for WordPress facilitating. Truth be told, they are authoritatively supported by WordPress as a suggested facilitating specialist co-op. Moreover, the organization offers all administrations from sites facilitating straightforward websites to cutting edge undertakings supporting Web-based business exercises. Host advice has accumulated genuine Bluehost audits from genuine clients to comprehend whether the host specialist organization merits the cash.

Buy Bluehost hosting with maximum discounts and a free domain. Click Here…

Advantages:

Moderate Estimating: Bluehost offers a scope of plans for clients to look over. These bundles oblige everybody, from a grounded company to a business in its beginning phases.

Dependability: Bluehost powers various sites while offering the least vacation.

Complete Rate Straightforwardness: Not at all like numerous other facilitating specialist organizations, Bluehost doesn’t exact any concealed charges for profiting their administrations.

Free Space Name: When you join at Bluehost, clients will be given a free area name for a time of 1 year.

30-day Unconditional promise: Bluehost offers a 30-day no inquiries posed to unconditional promise for all the facilitating plans

Disadvantages :

High Reestablishment Cost: Even though the underlying membership is reasonable, the area restoration cost isn’t as pocket-accommodating when contrasted with its companions.

Upselling of Addons: Bluehost follows a forceful mission to upsell add-ons when you are joining. Nonetheless, you can uncheck the discretionary add-ons on the off chance that you needn’t bother with them.

Site Movement Expenses: On the off chance that you are changing your workers to Bluehost, the organization will charge you site relocation expenses, which different organizations permit at no extra expense.

Bluehost Execution Examination

Speed is the principal rule while picking the right web facilitating specialist organization. A profoundly responsive site won’t just upgrade the client experience, yet it will likewise support your Website optimization rankings.

How about we look at how the Bluehost workers perform:

Bluehost Speed Test outcomes

For a site page of size 700kB, the heap time offered by Bluehost is around 1.24 seconds, which is quicker than 85% of host specialist co-ops. In any event, when the approaching traffic expands, the worker load time stays predictable even at top traffic. Moreover, Bluehost piles up a score of 99.99% uptime on a normal, which in some cases likewise reaches out to 100%!

The speed test results demonstrate that Bluehost can uphold quick stacking of sites even in high rush hour gridlock conditions. For WordPress facilitating, low idleness is significant.

Bluehost Worker Reaction Time

At the point when the Bluehost worker reaction time is tried utilizing the Bycatch apparatus, the workers reacted inside part of a second. Then again, worker reaction times from different areas take longer yet at the same time inside a second.

The worker reaction time shows that Bluehost workers are profoundly receptive to guests from the US. Notwithstanding, if your intended interest group is found everywhere in the world, at that point picking an alternate worker would be appropriate.

Bluehost Facilitating Plans and Estimating

Bluehost offers variable plans appropriate for different business settings. It offers committed workers, shared facilitating, cloud facilitating, VPS, WordPress facilitating, Woo Commerce facilitating, and substantially more. All the plans permit the client to introduce WordPress in a solitary snap.

We should take a gander at the valuing for shared facilitating plans offered by Bluehost:

Essential: Accessible at beginning membership cost of $2.95/month

Additionally: Accessible at beginning membership cost of $5.95/month

Prime: Accessible at introductory membership cost of $5.95/month (with Site Backup highlight)

Bluehost Reinforcement and Security

With regards to security, Bluehost performs 24×7 organization checking on their workers while Site Lock examines the host sites to identify infections and malware. Even though Bluehost offers free reinforcement to its customers, these reinforcements are not ensured by the organization. Accordingly, Bluehost prescribes that clients can utilize cPanel to make site reinforcement.

Bluehost Client care Administrations

Bluehost offers a scope of channels for clients to associate with the client service group. These mediums include:

Live Visit: Clients can get to the Live Talk include without joining at Bluehost. This office is accessible 24×7 for new and existing clients.

Telephone Backing: If you wish to look for help overcall, you can drop a line on the complementary number at +1(888)401–4678 (for US occupants) and global approaches +1801–765–9400

Email Backing: Even though Bluehost disposed of its tagging framework, you can even now leave a mail to Bluehost to address your issues.

Online Library: notwithstanding all the previously mentioned channels, Bluehost additionally offers an information base of supportive articles for the individuals who fix their issues without help from anyone else. The library contains guides, how-to posts, directions, and so forth to manage now and again happening issues.

Last Considerations

Note:  My Medium Account

Bluehost is an adept facilitating stage for novices who are searching for a dependable host sponsored by a solid standing. The effectively safe and straightforward UI permits even newbies to get their site going in a matter of seconds, particularly WordPress facilitating based destinations. Being the most established organization dynamic in this field, it appreciates incredible trust from its customers. For those on a tight spending plan, their shared facilitating plans are quite moderate aside from that upselling may build the expenses so be careful about that. WordPress clients who are eager to pay a couple of additional bucks to access extra highlights can depend on the administrations offered by Bluehost. Their devoted help and upkeep group of WordPress facilitating specialists will empower your activities to run consistently. Numerous sites believe Bluehost to be the #1 facilitating specialist co-op, and given its administrations, the position is advocated.

So why waiting, buy Bluehost hosting with maximum discounts and a free domain. Click Here...

[obamacarespecialenrollment]

Insurance coverage Buyer's Guide

Getting Shopping for health insurance may well leave many people baffled. Knowing which insurance firm to choose or which often insurance plan is the best may appear daunting impossible. Nonetheless once you know the basics with health insurance, choosing the right medical insurance plan is simple painless.

seguro de obamacare

This article will provide probably the most basic and advantageous tools and arguments for health insurance people. First, it is important to find out about helps to understand multiple types of health insurance options and their good and bad points. Plans differ inside amount you pay for out-of-pocket, which clinical professionals you can visit, and the way the your insurance fees are paid. In addition to just helping you select the most efficient and cost-effective plan, we'll show you about another manner you can save concerning health insurance: a Wellness Savings Account. Additionally , you have to learn about dental insurance coverage as well. Many health care plans do not comprise of dental insurance underneath their benefits, which means we'll go over tips on how to shop for and obtain isolate dental coverage. After that it is important to learn about techniques to save on insurance coverage. There are several ways you can spend less including Health Final savings Accounts and Price cut Cards. LastlyAnd eventually, don't forget to compare designs before you make ones decisionwe'll explain exactly why it's so crucial to put your new information to good benefit from by comparing health care insurance plans.

Types of Health care insurance Plans

Health Upkeep Organization (HMO) Options

Generally, HMOs have got low or even zero deductible and the co-payments will be relatively quite low as well. Most people pay a every month premium that gives people access to coverage to get doctor appointments, healthcare facility stays, emergency treatment, tests, x-rays in addition to therapy. You will have to pick out a primary care doctor (PCP) within your insurance plan provider's network involving physicians, and so that they can see a specialist you must receive a referral through the PCP. Under a great HMO plan, just visits to medical doctors and hospitals together with the insurance company's mobile phone network of providers are generally covered; you'll have to pay money for visits if you visit an out-of-network clinical doctors or hospitals ones own insurance will not protect the costs.

Preferred Service Organization (PPO)

Designs Under a PPO plan, you will make use of the insurance company's system of doctors along with hospitals for any solutions or supplies you must have. These healthcare products and services have been contracted through the insurance company to provide offerings at a discounted level. Generally, you will be able to decide on doctors and qualified personnel within this network while not having to choose a primary maintenance physician or acquire a referral. Before the insurance vendor will start paying for a medical bills you certainly will usually need to pay out an annual allowable. Also, you may have your co-payment for some assistance or be required to include a percentage of the whole medical bill.

Position of Service (POS) Plans

A POS plan is a education represent the features made available from HMO and PPO plans. You are required to pick a primary care general practitioner, whose services will not be usually subject to a good deductible, but your PCP can refer you to ultimately out-of-network specialists in whose services will be to some extent covered by your insurance corporation. Additionally , POS ideas usually offer insurance policy coverage for preventive medical care, which includes regular examinations. Your PCP are likely to give you referrals to get a specialists. If those specialists are out-of-network you will need to pay out-of-pocket and then apply for payment from the insurance company. Using a POS plan you may benefit from some of the financial savings of an HMO and definately will have greater mobility in choosing medical providers, similar to PPO.

Dental Insurance

You have to get a dental insurance policy along with your health insurance system. In order to keep your the teeth and gums well being you need regular outings to the dentist. Without the need of dental insurance, the money necessary for dentist appointments can be much higher making it complicated to keep up with the installment payments. Dental insurance is comparable to health insurance in that every 4 weeks you pay reduced, which entitles you certain dental rewards. Benefits include check-ups, cleanings, x-rays, as well dental services. There is plans that may covers dental implants, mouth surgery and orthodontia, but they will be more overpriced. Like health insurance, blueprints are categorized straight into indemnity and managed-care plans. If you decide on an indemnity schedule you will have a broader number of dental care providers one could use. You won't have to pick one primary dentist professionist and generally, you do not need to acquire information. In order for the insurer to cover your oral expenses you will need to distribute them a state before they compensate you for protected services. As a result, you must pay more out-of-pocket with an indemnity approach, but you will have even more flexibility in picking out which dentists everyone visit. On the other hand, managed-care plans will provide you with some sort of dental provider multi-level and you will need to see dentists within this multilevel in order to get coverage designed for these services. By having a dental care network, your insurance company has placed pre-negotiated rates you receive when you explore these dentists. Which includes a managed-care plan, a dentists will send in the claim for your needs, lowering your out-of-pocket bills.

Save on Medical insurance

Health Savings Account

Health and wellbeing Savings Accounts (HSA) are tax-free cost savings accounts designed to guide consumers pay for medicine and health services while confining premium expenses with regard to unwanted benefits. Your plans have decreased premiums and larger deductibles than various insurance plans because they give fewer benefits together with require you to use the profit your HSA to pay more for certain qualified medical related services. However , unless you need to visit the physician frequently and don't count on requiring regular medical assistance, HSA plans really are a cost-effective method of guaranteeing against the worst not having paying for coverage do not use. In order to opened an HSA, you'll want to have an HSA-compatible medical insurance plan. You may sole use the funds within your HSA to pay for skilled medical expenses. Commonly, your HSA strategy will have a tax deductible that, once reached, requires your insurance firm to pay for any additional licensed medical expenses with the rest of the year.

Dentistry Insurance

Health insurance commonly does not cover mouth services, but in buy to keep your smile and gums wholesome, you need regular comes to visit to the dentist. Free of dental insurance, standard dentist appointments are able to prohibitively expensive. Ensure that your mouth is included in shopping for both health insurance and dental insurance. Dental care insurance is similar to health care in that each month most people pay a premium, which unfortunately entitles you to positive dental benefits. Rewards include checkups, cleanings, x-rays, and other dentistry services. There are options that may cover dental care implants, oral medical procedures and orthodontia, they will be more expensive. Just like health insurance, plans usually are categorized into indemnity and managed-care designs. If you choose a particular indemnity plan you'll find a broader choice of dentistry providers to choose from. You simply won't have to choose a primary dentist and additionally generally, you won't must acquire referrals meant for special services. To ensure that the insurance company to coat your dental costs you will need to send these individuals a claim to get reimbursement. You'll turn out paying more out-of-pocket with an indemnity system, but you will have much more flexibility in deciding on which dentists anyone visit. By contrast, managed-care plans limit want you to the doctors in addition to services within a oral services network, and you'll need to visit physicians within this network when getting coverage for their products and services. Within the dental care mobile phone network, your insurance company offers arranged pre-negotiated fees that you will receive whenever you visit dentists with the network. Your dental surgery will submit a person's insurance claim on your behalf, keeping your out-of-pocket expenses lower than with a indemnity plan.

Compare and contrast the Plans

Looking at insurance plans is an significant step in buying insurance coverage. It will save you profit the long run if you take the time period to compare prime prices, out-of-pocket price ranges, plan benefits, that network of medical professionals available with numerous plans, and the level of quality of insurance providers. Should you have a favorite physician, ensure that your health insurance protects visits to the dog. If you don't need to begin to see the doctor very often, do not pay a high top quality for low business office visit copayments. Health care plans are designed to street address specific healthcare requirements, and you'll save money and become the most effective coverage simply by comparing plans to determine the health insurance plan this best fits your capacity to pay and lifestyle.

References Health marketing https://en.wikipedia.org/wiki/Health_marketing

[acidkenny]

Health Insurance Buyer's Guide

Purchasing Shopping for health insurance can leave numerous individuals befuddled. Knowing which insurance company to pick or which insurance plan is the best may appear to be overwhelming unimaginable. Be that as it may, when you know the rudiments of health insurance, picking the correct health insurance plan is straightforward simple.

This article will give the absolute generally fundamental and accommodating apparatuses and explanations for health insurance customers. To begin with, it is essential to find out about assists with understanding the various kinds of health insurance plans and their advantages and downsides. Plans contrast in the sum you pay out-of-pocket, which specialists you can visit, and how the your insurance bills are paid. Other than simply helping you pick the most productive and financially savvy plan, we'll instruct you about another way you can save money on health insurance: a Health Savings Account. Also, it is imperative to find out about dental insurance too. Numerous health insurance plans do exclude dental insurance under their advantages, so we'll turn out how to look for and get independent dental inclusion. At that point it is imperative to find out about ways you can save money on health insurance. There are a few different ways you can spare including Health Savings Accounts and Discount Cards. LastlyAnd at long last, remember to look at plans before you make your decisionwe'll clarify why it's so imperative to effectively utilize your new information by contrasting health insurance plans.

Kinds of Health Insurance Plans

Health Maintenance Organization (HMO) Plans

By and large, HMOs have low or even no deductible and the co-installments will be generally nearly low also. You pay a month to month premium that gives you access to inclusion for regular checkups, medical clinic stays, crisis care, tests, x-beams and treatment. You should pick an essential consideration doctor (PCP) inside your insurance supplier's system of doctors, and so as to see an expert you have to get a referral from your PCP. Under a HMO plan, just visits to specialists and clinics with the insurance company's system of suppliers are secured; you'll need to pay for visits in the event that you go to an out-of-organize specialists or emergency clinics your insurance won't spread the expenses.

Favored Provider Organization (PPO)

Plans Under a PPO plan, you will utilize the insurance company's system of specialists and clinics for any administrations or supplies you need. These healthcare suppliers have been shrunk by the insurance company to offer types of assistance at a limited rate. For the most part, you will have the option to pick specialists and experts inside this system without picking an essential consideration doctor or get a referral. Before the insurance company will begin taking care of for your clinical tabs you will for the most part need to pay a yearly deductible. Additionally, you may have a co-installment for certain administrations or be required to cover a level of the complete hospital expense.

Purpose of Service (POS) Plans

A POS plan is a blend of the highlights offered by HMO and PPO plans. You are required to pick an essential consideration doctor, whose administrations are not generally dependent upon a deductible, however your PCP can allude you to out-of-arrange pros whose administrations will be somewhat secured by your insurance company. Also, POS plans generally offer inclusion for preventive healthcare, which incorporates customary exams. Your PCP will have the option to give you referrals for any experts. On the off chance that these authorities are out-of-organize you should pay out-of-pocket and afterward apply for repayment from the insurance company. With a POS plan you will profit by a portion of the reserve funds of a HMO and will have more prominent adaptability in picking healthcare suppliers, like PPO.

Dental Insurance

It is critical to get a dental insurance plan alongside your health insurance plan. So as to keep your teeth and gums health you need standard visits to the dental specialist. Without dental insurance, the expense of dental specialist arrangements will be a lot higher making it hard to stay aware of the installments. Dental insurance is like health insurance in that every month you pay a top notch, which qualifies you for certain dental advantages. Advantages incorporate exams, cleanings, x-beams, and other dental administrations. There are plans that may cover dental implants, oral medical procedure and orthodontia, yet they will be progressively costly. Like health insurance, plans are sorted into reimbursement and oversaw care plans. In the event that you pick a reimbursement plan you will have a more extensive decision of dental consideration suppliers to browse. You won't need to pick one essential dental specialist and by and large, you won't have to get referrals. All together for the insurance company to cover your dental costs you should send them a case before they repay you for secured administrations. Thus, you should pay increasingly out-of-pocket with a reimbursement plan, however you will have greater adaptability in picking which dental specialists you visit. Then again, oversaw care plans will furnish you with a dental supplier system and you should visit dental specialists inside this system so as to get inclusion for these administrations. With a dental consideration organize, the insurance company has masterminded pre-arranged rates that you will get when you visit these dental specialists. With an oversaw care plan, the dental specialists will present the case for you, bringing down your out-of-pocket costs.

[1-800-444-tune]

I have cancer ...PLEASE DONATE !!😫😪😔😞

HOME

This is my main blog, I mostly do Tarot and other divination services on here, and most often it is for FREE. Which, this is NOT fair to me, but none of ya 'll know about my struggle.. bug it is real hear me out, yo.

ABOUT ME

I am nearly 30 years old now and I was actually first off diagnosed with Ovarian cysts at the age as young as 14 yrs old, yes, I was 16 by the time it went untreated and had spread all through my ovaries and to all the fallopian tubes and my uterus... then untreated still another couple years (because of poor health care in my smaller rural communities including my hometown) then at 19 my whole entire uterine lining was xomething of a mess, the doctors said basically all there woukd have been to prevent it from dpreading the cancer elsewhere would have been a full out take of my sexual organs , i believe the term is a hysterectomy....but on my paperwork i see here that it says that I was to undergo something else... + + The removal of an ovary together with the Fallopian tube is called salpingo-oophorectomy or unilateral salpingo-oophorectomy (USO). When both ovaries and both Fallopian tubes are removed.

But that did not happdn due to complications. So now, its spread to my other organs as youd guess, spleen, liver, kidneys, etc...it is a shitttSHOW I knowe.

This is why I would appreciate it if some one, any one would stand up for me ..just have a say in whether I eat today or not, or whether I stay in this residence without having to move this winter, I mean, Winter, its settling in.,,

I do not always feel totally blessed to be me; But ai I cannot complain when the bills is caught up and I gots good food at home(and the fight food, I am on a special expensive diet)

Cancer is expensive…AF!  If you have cancer, this is no news to you. But until cancer happened to me, I had no idea how expensive it truly was.  I think it’s safe to say that that seeing how much it will cost to undergo treatment is almost as frightening as getting the actual cancer diagnosis.  My diagnosis has definitely opened my eyes to the shocking reality of the financial burden that cancer causes for an individual and their family.  The astronomical expenses that accrue from treatments, tests, surgeries, scans, integrative therapies, etc are outrageous! While there are both public and private health insurance that defray medical and drug costs, huge out-of-pocket costs can be devastating to patients and force major changes in their lives. I’ve had to make several changes and my life has been affected indefinitely due to the financial burden that cancer has caused. The financial stress it causes for people during treatment until remission alone is hard, but imagine living with cancer where the treatments, doctor visits, tests and lifestyle adjustments are ever enduring, like when you have metastatic cancer.  It’s life altering… to say the least.

HOW MUCH DOES CANCER TREATMENT ACTUALLY COST?

This is an impossible question to answer. The cost of treatment obviously varies from individual to individual based on their diagnosis, the type of treatment they will require and the longevity of the treatment.  However, the “typical” cost of breast cancer looks a little something like this according to recent studies.

“For patients covered by health insurance, out-of-pocket costs for breast cancer treatment typically consist of doctor visit, lab and prescription drug copays as well as coinsurance of 10%-50% for surgery and other procedures, which can easily reach the yearly out-of-pocket maximum. Breast cancer treatment typically is covered by health insurance, although some plans might not cover individual drugs or treatments. For patients not covered by health insurance, breast cancer treatment typically costs $15,000-$50,000 or more for a mastectomy or $17,000 to $35,000 or more for a lumpectomy followed by radiation.”

New cancer drugs are being approved at a fast pace.  Numerous are approved each year and new drugs are constantly in trial and in the pipeline to be FDA approved. In the past, these drugs might cost around $10,000 for a year’s treatment. But newer studies have found that newly-approved cancer drugs carry price tags between $120,000 and $170,000!  One of the drugs I take as part of my daily cocktail, is a newly FDA approved drug called Ibrance… for heavily pretreated ER+ metastatic patients.  It has worked wonders for me but a month supply of this drug is over $12,000.  I am blessed to have good coverage, but not all people are as fortunate.

“Depending on the individual case and the type and number of treatments needed, the total cost of breast cancer treatment, on average, can reach $100,000 — or, in advanced cases, $300,000 or more. This includes the cost of the chemotherapy drugs, additional drugs to help manage side effects, administration of the drugs and medical care for chemotherapy-related complications.”

And again, if you are anything like myself and are living with a metastatic diagnosis, treatments and care is endless with no foreseeable light at the end of the tunnel.

😔😫😫🎗🎗🎗🎗🎗🎗🎗🎗🎗🎗🎗🎗🎗🎗🎗🎗🎗🎗🎗😔😔😫

WHY IS IT SO EXPENSIVE???

The never ending list of cancer expenses looks a little something like this:

 🎗Frequent doctor visits with surgeon, radiologist, oncologist.  I personally see my oncologist once every 3 weeks and check in with my surgeon every couple of months.

🎗Lab Tests.  This includes blood tests, urine tests and more. I get my labs done every few weeks when I see my oncologist to check my levels and tumor markers.

🎗Clinic visits for treatments. When I was on IV treatment I would be in the treatment center every few weeks.  Currently I take an oral chemo and only have to be in the treatment clinic once every few months for my Lupron injection. But many people are in the treatment clinic, daily or weekly to get their infusions and injections.

🎗Procedures for diagnosis or treatment. Such procedures can include biopsies, room charges, equipment..  I’ve had a few biopsies and had to get lung taps done frequently when I had lung mets.

🎗Imaging Tests. These tests include X-rays, CT scans, MRIs and PET scans which may mean separate bills for radiologist fees, equipment and any medicines used for the test.  These tests are extremely costly too…yikes!  I get PET/CT scans every 3 months, consistently for the past 6 years now.

🎗Radiation Treatment  (implants, external radiation, or both) I have never had radiology but as we know, it’s a very common treatment for most cancers.

Drug🎗 Costs. (inpatient, outpatient, prescription, non-prescription and procedure-related) The cost of chemotherapy drugs is crazy!

🎗In-Home Nurse Care (if you need it, and I do actually, yes) and its freaking insane how much these so called "nurses aids -assistants" want an hour!!

Hospital 🎗Stays. This can encompass many types of costs such as drugs, tests and procedures as well as nursing care, doctor visits and consults with specialists. I have been admitted twice, each time for a week stay for cancer related issues.

🎗Surgery. Costs can accrue from surgeon, anesthesiologist, pathologist, operating room fees, equipment, medicines…  I have had 3 lumpectomies and 2 other surgical procedures related to my cancer diagnosis.

🎗Fertility.  If you are blindsided and diagnosed in your 20’s or 30’s with a cancer diagnosis and want to have a family, freezing your eggs is an option, but a costly one.  You will be required to pay for tests, and medications leading up to the surgical procedure to remove your eggs.  I paid about $10K out of pocket to cover the cost of freezing my eggs.

While these are examples of the clinical costs associated with cancer, there are other adjustments you may want to make that will also prove to be costly.  I personally changed my diet and started to eat all organic foods and sought integrative therapies to add to my clinical regime.  You can read more about the therapies I have incorporated here.  All of these expenses add up and certainly are a financial strain.

🎗🌟🌟🌟🌟🌟And of course we need to pay... Rent, heat/hydro, car/transportation/ambulance bills , always bills bills bills billsssss.....and wifi/internet/television/mobile phone znd/or tablet or computer and gaming systems... camera.....im z girl so clothes..makeup,(I'm thrifty ricky tho) and always last, maybe maybe get sweets healthwise branded cookies or some type of peanuts(unsalted).

I never get go, go nowhere, do anything, get a coffee from a coffee shop, i can't afford to do just about anything a normal individual such as yourself yourself would do, i just cannot do it its not in my budget ... I currently own ONE lipgloss, and one broken eye liner , that is my makeup beauty kit, who the heck wants to even go out or take pictures thenn? Ugh....

Www.paypal.me/believeitxxnot is the link to the Cancer Fundraiser🎗the email for it is believeitornot.ripley.tv@gmail.com

Anyways, do not feel bad for me. I am here to service YOU for ever I know this . TY so much ily guys , please please if you will not donate to my awfully painfully really urgent cause then PLEASE SHARE POST ..... BOOOST POOOOST !! PLZ !! XOXO

I need the supporters !! Yo yo ! DOOOONAAAATEEEEE!!

A n y t h i n g h e l p s m e r i g h t n o w , p l e a s e ! ?

[briwhosaysni]

Ok, after over a year of explaining to adults, often age 40+, some very basic things about insurance at my job, I've decided to give you all a crash course in health insurance from someone who works in a clinic, because no one teaches you this stuff even though it's Really Important. Under a cut, because this is gonna be long. (Also, I apologize, this is specifically for insurance in the US. I have no clue how it works anywhere else.)

10 Things to Know About Health Insurance and Medical Bills:

1. Plans

Your plan is all of the details of what your insurance covers, and how, and where, and when. Do they cover a certain treatment? If they do, will they only cover it a certain number of times? Is there a specific place you have to get that treatment? These are all part of your coverage (aka your benefits), and will vary depending on your plan. Every insurance company has many different plans which will cost different amounts and have different coverage. This means that you can never assume something is covered for you just because it's covered for someone else who gets insurance through the same company. It also means that if you call a clinic (especially one you haven't gone to yet) and say "I'm with [insurance company]. Will they cover [service]?" 90% of the time they won't be able to tell you. They won't have access to all the specifics of your plan. To find out, they would need your insurance information, and time to call your insurance company. It's honestly much better to call your insurance company directly and say "Hello, I want to go to [clinic/provider] for [treatment]. What would my coverage be?"

2. In-Network vs. Out-of-Network

Every healthcare provider that takes insurance (doctor, nurse, PA-C, therapist, etc.) has a list of insurance companies that they're in-network with, and ones they aren't. Whether or not a provider is in-network determines how much your insurance will pay for you to see them, if at all. If your plan has out-of-network benefits, then your insurance will pay for you to see a provider who isn't in-network, but they probably won't cover as much as they would for someone who was. If you don't have out-of-network benefits, then your insurance will ONLY pay for appointments with providers who are in-network. How do you know if you have out-of-network benefits? Call your insurance. A clinic can usually tell you if if they, or a certain provider in their clinic, are in-network, but they can't generally tell you what your benefits are.

3. Deductibles

Your deductible is the amount of money that you have to pay in a year before your insurance will start paying a decent amount for things. They'll usually still cover small portions of your bill, but you'll be paying the most of it until you pay all of (aka "meet") your deductible. This amount varies wildly between plans. It could be as low as $100 or less, it could be as high as $5000 or more, or you might not have one at all. And, it resets at the start of each year. If your deductible is $1000 and you spend $500 on healthcare in 2019? You'll still need to pay the whole $1000 in 2020 to meet it for that year.

4. Out-of-Pocket Limit/Maximum

Some insurance plans have a certain amount of money you can spend on healthcare in a year, after which point they'll cover the costs 100%. This is your out-of-pocket limit/maximum. Generally your copay, deductible, coinsurance, and all that stuff will go towards your out-of-pocket limit. So if your plan has an out-of-pocket limit of $8000, for example, then if you spend $8000 on healthcare in that year, your insurance company will cover the full cost of any more treatments. No copay, no dedectible, no coinsurance. Not every plan has one, and the amounts differ, so check with your insurance what you have.

5. Copay

Your copay is the amount of money that you have to pay when you go in for an appointment. Often it will be lower for a regular doctor's visit than a visit to a specialist. The vast majority of clinics require you to pay this when you check in for your appointment, and if you don't there will often be an additional fee. Some plans don't have a copay, and some do. Some plans don't require you to pay a copay after you meet your deductible, some do. If you're not sure what your plan has, call your insurance and ask.

6. Coinsurance

Coinsurance is the portion of your bill that your insurance will pay AFTER you meet your deductible. For instance, most plans will cover one annual check-up with your regular doctor (aka your primary care provider) at 100%, which means after you meet your deductible, they'll cover the entire cost of that visit (minus any copay). An extra visit might be covered at 70%, which means that for a $100 appointment, your insurance would pay $70 and you would pay $30. Again, if your insurance still requires you to pay a copay after your deductible is met, then you'll be paying both the copay (at the time of the appointment) AND the coinsurance (after the appointment).

7. Referrals and Authorization

Many insurance plans will require a referral and/or pre-authorization in order for you to see a specialist, or get certain tests or procedures done, or to see out-of-network providers. This is basically just your doctor's office contacting your insurance in advance to say "Hello, [patient] needs to get this procedure/see this provider, because of this specific problem/condition. Would you please pay for it?" Then your insurance company will review the request and either say "Yes, this seems reasonable and is covered by their plan. We will pay for it," (aka "approval") or "No, this treatment doesn't seem medically necessary and/or isn't covered by their plan," (aka "denial"). Sometimes if authorization is denied, your doctor can call your insurance and talk to them to try and convince them that the procedure is medically necessary. Or, sometimes they can get authorization for a different but similar procedure instead. (I work in a sleep clinic and often see insurance companies deny in-lab sleep studies, so patients will get take-home sleep studies instead, for example.) Please note that authorization is NOT a guarantee that your insurance will cover your visits/procedures 100%. It just means they’re agreeing to pay whatever portion is dictated by your plan, rather than making you pay for the whole thing on your own.

If your primary care provider refers you to a specialist, their office is the one that will need to request authorization, if necessary. A specialist clinic cannot generally refer a patient to itself.

8. Getting Information

I know I've said several times that if you're not sure about part of your plan, you should call your insurance. This is true, but I also know that phone calls suck. HOWEVER, there's often another way. Most major insurance companies have websites where you can make an account, and look at an overview of your plan, see how much of your deductible you've met, and even find in-network providers near you. And if you're on your parents' insurance, you can still make your own user account, so don't worry that you might have to have them make one and give you the login info. You may still have to call your insurance company if you have specific questions you can't find answers to online, but for basic information, this can be a great resource.

9. Updating Insurance

I know it can be hard to remember, but if your insurance plan changes or you switch to a different company, please please please call your doctor's office(s) to update it as soon as possible. You really don't want to show up to an appointment only to find out that you're not actually covered, or you needed pre-authorization or something. Let clinics know in advance so they can prepare as needed. Also, check with your new insurance beforehand to see how similar/different the plan is to your previous one, and whether you might need a new referral, or to find a new provider or something.

10. Billing Coordinators

And finally, if you're confused or worried about a bill from a clinic, the Vast majority of them will have a person you can talk to in their billing department about it. You may have to call ahead to schedule a time, you may not (though it's still nice to give advanced notice), but many times you can ask to talk to them in-person or over the phone, and they'll be able to go over your bill with you, explain what the charges are for and how much was covered, and spot any errors if there are any and fix them. They can also often give you cost estimates for procedures before you schedule, which can be helpful for budgeting and scheduling. (Though bear in mind that an estimate is just that: an estimate. They can't know for sure what the final bill will be until after your insurance pays them.) And if you have to pay a bill but don't have enough money right then, many clinics (though not all) will allow you to set up a payment plan, or to only pay a portion at a time. This is also something a billing coordinator/billing specialist would help with. In general just don’t be afraid to talk to the billing department if something seems off about your bill. If your insurance isn’t paying for something they should or something like that, the clinic is going to want to know about it and get it sorted out.

This isn't everything you'll ever need to know about health insurance ever, obviously, but hopefully it'll help you understand the basics. And as a bonus, stuff like deductibles and coinsurance work very similarly across all types of insurance: health, dental, car, etc., so understanding one better will help you with all of them.