Archives

Dentist

Taking care of your teeth is something that is necessary in order to have great dental health as well as good overall health. A very important part of taking care of your teeth is regularly visiting the dentist. The dentist does not only take care of problems in the mouth such as cavities, but he or she also helps you to avoid problems by seeing their potential early on and giving you the necessary steps to avoid them. Because dentists play such an important role in your oral health choosing a dentist is very important. Maybe you have worked with the same dentist all your life but you move and have to choose a new one. Maybe you are not comfortable with your current dentist so you want to change. Whatever the case, it is important that you know how to choose a good dentist.

The first thing to do when choosing a dentist is to find out the names of all the dentists in the area. This may not be just in your city. If you live in an area with a lot of people and all the cities are close together you may look up dentists in many different cities. You will want to look up dentists whose offices are in a reasonable distance of your home. Maybe you think a reasonable distance if fifteen minutes and maybe you think a reasonable distance is forty-five minutes. Whatever distance you are comfortable with, look up all the dentists within that area.

The next thing you will want to do is research these scholars. Where did they go to school? How much education do they have? Did they go to a school that puts out reliable dentists or did they go to a school in the boonies that you have never heard of? Find out whether they are family dentists, pediatric dentists or dentists who prefer to work only with adult teeth. Find out how long they have been in business. In short, research things about them that will help you determine whether or not you would trust them as a dentist.

As a part of your research you will want to know what other people have to say about the scholars in the area. Who do people like and who do they not like? Ask your neighbors and friends which dentist they use and which they are most comfortable with. Ask them why they feel the way they do and have the opinions that they have. Maybe there is something that they do not like about a certain dentist that does not make you uncomfortable. Maybe there is something that they love about a certain dentist that does not appeal to you. Find out what other people have to say.

Finally, you will want to meet the dentists if you can. Schedule a one time appointment so that you can meet them and see what they are like in their work environment. You can have the opportunity to watch them with other people and see how they work. One dentist may be a really nice guy but maybe you just do not like the way he works as a dentist. Another dentist may seem a little gruff but maybe he is very gentle with your teeth. You will want to meet the different dentists because in the end it is important that you go with the dentist that you are most comfortable with or that your children (if you are looking for a pediatric dentist) are most comfortable with. The best way to find out who you are most comfortable with is by meeting them.

Source by Dr.

Dental plaque builds up due to poor dental hygiene. Since it consists of food deposits, this could cause further problems later on as cavities develop and you will suffer from either toothache, bad breath or simply have your teeth falling off one by one.

The moral of the story then is simply to brush regularly, floss and gargle regularly. We do have toothpaste, dental floss and mouth wash to handle the things that we can reach. The dentist can take care of the rest but since visits to the clinic are done only every 6 months, something is needed to fill that gap and that is basil.

So what is up with basil and dental plaque? First, basil is great with pesto sauce. But did you know that it has medicinal properties that are beneficial to our health?. One study has proven that it can lower blood pressure. Another shows that it has 6 different compounds that have expectorant qualities used to kill warts. It can also be used to treat stomach disorders and help someone who has gas, a loss of appetite, ulcer or frequent vomiting.

Another thing you should know about basil is that it can prevent dental plaque buildup and as a result clean the mouth so you don’t have bad breath. You can eat this after each meal like an after dinner mint. But basil is not the only thing that can help prevent dental plaque. Almost all green leafy vegetables that we put on the table can do the same thing. These also include alfalfa, barley grass, spinach and wheat. So you can serve this in a variety of dishes even fresh when this is mixed in to a salad.

If chewing this is not your thing, you can boil it and serve it as hot tea. This is just as good as using cinnamon, cardamom, ginger or even peppermint.In fact, you don’t even have to buy basil eaves since you can plant them in your garden. But bear in mind that this plant grows annually. This should be placed in a pot and given lots of water.

Other ways to check and prevent the buildup for plaque include the use of disclosing tablets. These are cheap and can be purchased without prescription. They are effective because dental plaque is transparent so it is difficult to see. If this turns color either blue or red, then there is plaque present.You should also watch your diet given that this are caused by food deposits. You must limit sugary or starchy foods especially when you decide to grab a quick snack. After eating, it is advisable to use a toothpick or better yet, head to the bathroom and brush your teeth.

Lastly, you should check with your dentist if your dental plaque removal techniques are working. He or she may suggest something better than what you are using now that can produce significant results. So keep an open mind, do as your told and everything will be fine.

Basil is just one of the things that can be used to help prevent dental plaque. You can do research to learn more about what is available before it is too late. In the end, the decision rest in your hands.

Source by Cynthia Olga

As many as 47 million Americans have no health insurance, and in any given two year period about a third of Americans will go without health insurance at some point. For low income Americans, the prospect of spending some of their hard earned cash on insurance just does not seem possible-it is difficult enough making ends meet. When these people end up sick or injured, however, the costs are even more intense, and millions have gone bankrupt under these circumstances.

Yet between government programs and low cost insurers, getting at least basic coverage is in fact possible for low income families. Here's what you should know.

First, there is the main federal health insurance program for low income individuals and families-Medicaid. Medicaid is advanced in part by each of the fifty states, and each state runs its own Medicaid program. As a result, eligibility differences from state to state-in most places you must be below the poverty line to receive these benefits. Pregnant women, people with HIV / AIDS and people with disabilities may be eligible at higher income levels. The poverty line in the US is $ 10,830 a year for an individual and $ 22,050 for a family of four.

Another government program available to low income families is the State Children's Health Insurance Program (or SCHIP). Like Medicaid (and as its name would suggest), SCHIP is administrated on the state level, and so eligibility differences from place to place. In general, you must be over the poverty line (otherwise ineligible for Medicaid), but have a family income less than 200% of the poverty line. The program will cover your children, and if you are pregnant it will provide prenatal care.

Some insurers also offer low cost health insurance, typically with restricted coverage. This is to say that dental and eye care are not necessarily covered, and your benefits may max out at only a few thousand dollars. When researching low cost insurance options, beware that you are not paying more in premiums every year than you would be receiving in coverage. Most of these programs simply cover emergency or catastrophic costs, while doing little to cover checksup or routine medical care.

Health insurance exists to provide you with peace of mind. When your income makes getting such coverage difficult, the government and some insurers may be able to help. Do your research and you can find a plan that works for you today!

Source by Jackie Jones

Cosmetic dental services do not just work to create beautiful smiles. They are important in correcting conditions that many patients struggle with. These conditions do not just alter the person’s appearance but also interfere with normal functions of the mouth. In such cases, patients are not just looking to improve their looks but also correct a problem they are struggling with.

That said, it is important to understand how cosmetic dental surgery is important for you.

Eases discomfort

Having an incorrect bite occurs when the teeth do not align together. It can also occur when you have missing teeth that you are yet to replace. Sometimes the teeth may not align in balance with the rest of the face. When this occurs, you will suffer from discomforts such as headaches and even neck pain. You may also suffer from pain in other parts of the body. Cosmetic surgery helps to rectify this by offering solutions that treat the underlying cause of the incorrect bite. You may have to get veneers for your teeth, braces or crowns fitted. The solutions will ease the discomfort that you may have been suffering from. This shows that cosmetic surgery can do more than just improve your looks.

Strengthens your teeth

The cosmetic dental procedures allow your teeth to be strong and therefore function better. When you have broken teeth, you will not chew properly and this may, therefore, lead to poor digestion. You may also not be able to feed well and you may end up malnourished. The solutions such as crowns, bridges, and veneers protect your existing teeth and at the same time reinforce the weak teeth, allowing them to serve their function well. Replacing the missing teeth also grants you better service from your teeth as the replacements will perform the function of the missing teeth. At the end of the day, you will not have replaced your teeth just to improve your smile but also to enable you to chew better and to give your face the required support.

Improves your appearance

The poor dental formula will alter the shape of your face. Teeth do so much more than just chew food. They help to define the jawline. They prevent sagging and other unattractive changes to your face. Replacing the missing teeth and correcting other issues that interfere with the shape of your face will improve your looks. Some procedures require the reconstruction of the mouth. Sometimes the correction needed is as minor as replacing one missing tooth. You will see the big difference it will make to your face. Cosmetic dental surgery will prevent stuck-out chins and drooping smiles. You will be glad that you went for the procedures.

Source by William Jam Smith

Like most Medicaid supplemental coverage, Medigap policies can only be changed or dropped during specific time periods. Your original enrollment period begins when you turn sixty-five and lasts for six months. After that the time frame for making changes is limited. The only other time you can join a new Medicare Prescription Drug or Advantage Plan is from November 15th to December 31st of each year.

If you are changing your Medicare coverage to one of the Medicare Advantage policies, you will probably decide to cancel your Medigap policy since it can not be used to cover deductibles or co-pays. Unlike some Advantage policies, Medigaps also do not pay for eyeglasses, hearing aids or dental visits.

Canceling your Medigap coverage, requires you to contact the Insurance company that carries the policy. Different insurance companies have different steps that must be taken to drop coverage. However, if you bought the policy before 1992, changes to standardization rules will make it impossible for you to get the same policy back once it has been cancelled. Make sure the new policy will fulfill your needs before canceling Medigap coverage.

In most cases, you have a 30-day grace period to change your mind. Experts recommend setting the end date for your current policy 30 days after the start up date of the new one. You will have to pay both premiums for that month, but the ability to keep your old coverage may be worth it.

Look carefully at the Advantage and Prescription Drug plans available to you. Make sure they are accepted by the doctors and pharmacies that you want to use. Once you have chosen a plan, go to the Medicare website to register for the new plan during the enrollment period. When you sign up for the new plan, notify your old insurance company that you want to cancel Medigap coverage and set the end date 30 days out.

It is possible you may decide to keep a Medigap policy if it will pay for things not included in your other coverage. Health care laws require insurance companies to sell you coverage under certain circumstances. Many times changes or involuntary cancellation of other policies will require insurance companies to sell you a Medigap policy regardless of preexisting conditions. However, keep in mind the new company may limit coverage of certain features for the first six months after enrollment. Always read the policy carefully.

Check with your state Medicare office for additional details that may apply to your area since coverage is also sometimes affected by local laws.

Source by Joe Sikes

With the increasing price of health insurance, it can be hard to know which policy and insurer is best for you. How can you be sure you are getting the best policy for your money. How can you be sure that this coverage will protect every eventuality

In order to best serve yourself, you should first know what a normal health insurance policy covers, what questions you should ask your provider in terms of the policy, how to get the lowest possible premiums, clauses and small print to watch out for before signing any papers, and what additional coverage you may need to consider away from the standards.

What is Covered By a Typical Policy?

When it comes to health insurance, there are a number of variations in coverage. However, a very basic health care plan covers one well care visit per year per covered individual as a check up procedure, as well as visits to your primary care physician as needed for illness and injury.

These all incur a co pay that is determined by the plan for which you sign up, and your deductible may come into play with certain types of policies, having to be met each year. Some procedures are covered, such as pap smears (twice a year) and prostate exams (annually, based on age) or mammograms (annually, also based on age).

Different types of plans will cover health care differently. For example, an HMO plan, one of 3 different managed care type plans, consists of a network of doctors. You will pick a primary care physician within your network, and any specialists will have to be based on this doctor's referral.

A POS, or Point of Service, plan will allow your doctor to refer you out of network for the same coverage as if you were to choose a specialist within the network for yourself.

With a PPO, you can see whoever you want, in or out of network, without a referral and just a small financial penalty for going out of network.

Medicare, Medicaid, and State Children's Health Care provisions are highly regulated by the government and will cover the cost of medications, surgeries, hospitalization, and some skilled nursing care.

What Should I Ask My Provider?

Before you determine which health insurance plan is best for you, consider some questions that you should ask your provider:

* What is the annual out-of-pocket limit? You do not want to end up spending a fortune if you frequently go to the doctor.

* What is my co pay? You would like to understand how much you will spend on medicines, visits to the doctor, and emergency room care.

* What is my premium? How much is your monthly cost for this insurance?

* What sort of child immunization / pregnancy / birth coverage is offered? Prior to choosing a policy, understand your family statistics.

* What clauses are there regarding prior-existing conditions? Make sure you know what will and will not be covered based on your former coverage.

How Can I Save Money and Reduce My Premium?

Several options can help you reduce the premium on your health insurance; however, you have to weigh the value of doing so because most decisions are a trade off. First, shop around and find the best value. Do not choose the first policy you research because it may be overpriced. From there, it all depends on what you are willing to give up.

* Raise your co pay. When you pay more up front for the prescription or the doctor's visit, your policy doles out less money, which means that your premium will be lower. Remember, though, that you'll be paying more every time you go to the doctor or fill a prescription.

* Opt for higher deductibles. Are you reliably certain you will not run into a situation where your deductible will need to be met prior to coverage being enacted (such as hospital stays and emergency care)? If so, you might be accepting to go with a larger deductible so that your premium is minimized.

* Do not opt ​​for extras. If there are options for additional services, opt out of them to save a little cash.

Read Between the Lines:

Pay attention to the fine print of any health insurance policy in which you intend to enter. There may be claims regarding pre-existing conditions that are not conducive to your life, and you may find that the provider reserves the right to raise your premium without notice or reason (such as rising industry costs). Be sure you know what your contract says, and you'll be able to save yourself a lot of hassle and pain in the future.

Other Coverage You May Consider:

In terms of health insurance, there are different options you may consider, such as a flex spending plan, health savings account, or other indemnity plan. You might also want to consider purchasing a package that includes dental and vision insurance or sometimes even life insurance, since you will find that purchasing multiple policies from the same provider often results in discounts in premiums.

Source by Jo Thomas

Today more than ever, the choice of a cosmetic dentist is a critical decision that should be made with the utmost care. So how do you choose a cosmetic dentist? After all, in today’s marketplace, many general dentists perform at least some types of cosmetic dental procedures. Over the past few years, there has been a dramatic influx of “cosmetic dentists” into the field so much so that in the industry, being a “cosmetic dentist” is almost a cliche?. . . passe?. Why? Because these days, any general dentist who does things as simple as whitening teeth can claim to be a cosmetic dentist. So when someone is looking to get a Hollywood smile, what should they expect? After all, aren’t all dentists the same?

Choosing the right cosmetic dentist for you, one with substantial experience in complex cases, extensive hands-on training, and a gentle approach that compliments your needs and wants is critical to achieving the most successful outcome – your gorgeous new smile. Educated and discerning people will realize that most “cosmetic dentistry,” (if done properly), is complex and a precise set of operative procedures that will dramatically affect their lives for years to come.

Selecting a cosmetic dentist can be a difficult and confusing process. In the end, it is a personal decision that each person must make for themselves. We can, however, offer some advice, which our clients have found helpful during the selection process. From discussions with our clients, we believe the most important of these tips include the following:

1. Take Your Time.

Most cosmetic dental procedures are elective procedures, not emergencies. Time spent learning about the dental procedures, different techniques and materials, and cosmetic dentists you are considering will pay great dividends in terms of your understanding and emotional comfort later. If in doubt, see a number of different cosmetic dentists for a consultation. This will clarify in your own mind those personal characteristics that you would like your cosmetic dentists to have.

2. Post Graduate Cosmetic Dental Training.

To perform these procedures at the highest level; technical skill, an artistic eye, and a rigorous program of post-graduate training in cosmetic dentistry is needed. It may surprise you to learn that the vast majority of dental schools don’t teach any courses in cosmetic dentistry. For the few that do, they are usually limited to only a few introductory courses. Your mouth is not the place for on-the-job training. Therefore, it is crucial that the cosmetic dentist that you select continually completes series of hands-on courses in cosmetic dentistry. The field changes rapidly and what was state-of-the-art five or ten years ago is not anymore. In depth training is essential to learn the latest techniques and materials to get optimal results. The significance lies not only in developing the dentist’s clinical judgment and technical skill, but also in demonstrating his/her commitment to practicing cosmetic dentistry at the highest level of excellence.

3. Professional Credentials.

In dentistry as in medicine, specialties exist that indicate a higher level of education, knowledge, and expertise in particular areas of focus. Presently, however, there is not an American Dental Association (ADA) recognized specialty in cosmetic dentistry. In 1984, the American Academy of Cosmetic Dentistry (AACD) was formed and has filled the need for credentialing in this area. Presently, with 5,000 members in the U.S and in 40 countries around the world, the AACD is the largest international dental organization dedicated specifically to the art and science of cosmetic dentistry. The AACD also administers the leading accreditation program for cosmetic dentistry. The accreditation process is a rigorous program, which requires dentists to attend a number of continuing education courses in cosmetic dentistry, be tested, and submit a number of cosmetic cases to be judged by a panel of cosmetic dentistry experts.

4. Integrity.

Find a cosmetic dentist who is honest in his/her assessment of your needs and of their ability to meet your expectations. Be wary of the doctor minimizing your recovery period and telling you just how “easy and simple” everything is going to be.

5. A Caring Approach & Great Communication.

Find a doctor with a good chairside manner who conveys to you that they care about you as a person as well as a client. Cosmetic dentistry is a process not a single operation. Find someone with whom you can talk easily. It is just as important that he/she understands what you desire as that you understand what they are describing. To accomplish these goals, the first thing the cosmetic dentist should do is listen and make sure he or she understands all your concerns, needs and desires as they relate to your dental health and the look of your smile. Only then should they spend time diagnosing and consulting on the recommended treatment plan, which should be individualized for each client.

6. Perfectionism.

Find a cosmetic dentist who is accurate in his/her evaluation of your needs, precise in the execution of their operative plan, and meticulous in their craftsmanship. Although perfection is unattainable, this doctor will do whatever it takes to do the best job possible without cutting corners, not only to satisfy you, but also to meet their own personal standards of excellence. Make sure the dentist addresses not just the teeth but also gums, lips, facial structure and your specific requests.

7. An Artistic Eye.

While technical virtuosity is necessary to produce a great clinical result, it is not sufficient.

Excellent cosmetic dentistry demands a highly sophisticated aesthetic sense. In order to achieve an optimal aesthetic result, one must have a clear vision of what is artistically possible and appropriate. In this regard, it helps greatly if the cosmetic dentist has their own in-house laboratory with master ceramists. These special artists can then see you as the client first hand, see your facial complexion and shape and talk with you and the dentist about the desired aesthetic results.

8. Extensive Smile Makeover Experience.

Before you randomly select a dentist out of the phone book or rely on your long-time family dentist to give you the smile makeover of your dreams, think again. Great cosmetic dentistry is an art. The fact is, many dentists are generalists who simply have not performed cosmetic smile makeovers very many times or with a regularity that leads to mastery of this art. So, if you are considering veneers, for example, you should ask exactly how many veneers the cosmetic dentist has placed. Our doctors have placed not just a few or even a few hundred like many dentists, but rather place thousands of veneers a year. Placing this number of veneers allows our dentists to see a wide variety of many different types of smiles and bring this experience and expertise to enhance your case.

9. Be Sure You Review Before and After Photos of Work Performed by the Cosmetic Dentist.

You’ll want to look at before and after photos of cosmetic dentistry that has actually been performed by the dentist that you are considering. Beware! There are commercially available photos and albums that show the possibilities for cosmetic dentistry. But, what you want to confirm is that you are seeing the actual work of the dentist you are considering and make sure that the before photos you look at are also cases similar to yours.

10. Other Things You May Want to Consider.

References from other clients, a tour of the office including sterilization areas, and asking about technology and materials used in the practice are all things you may want to look into. You may also want to check with the state to verify that the dentist does not have a history of complaints or adverse State Dental Board action. In New York, you can do this by logging onto the New York Secretary of State’ website at [http://www.sos.state.ny.us].

Source by Judy Johnson DDS

Without a doubt you can get medical coverage, no problem. The challenge comes in knowing where to look, and who to ask where to get the medical care you need. Oh, but you’re in luck you have me. I’ve not only found myself unemployed without insurance, but I’ve worked in doctor’s offices and as an Insurance Agent, so I compiled years of work study and experience to give you this valuable information.

Okay get your print button ready, or grab a pen. This will truly help you and your family.

1. Free Medical Clinics; there are fully staffed board certified clinics that offer medical care for free, look for the ones in your area. Call to find out if they are connected to a hospital, and if there is anything you need to bring if you have an emergency.

2. Side Note: Ensure that you receive, better, and faster advice from the doctor, with a printed summary of you and your family’s medical back ground, include medications, surgeries, family history, and ongoing medical conditions, and allergies. This will really help you get the best service.

3. Pharmacies: These are amazing resources for you; look at what you can get from a Pharmacy that you may not have thought about.

· Screenings, blood pressure, blood sugar testing, and flu shots

· Advice, years of training makes them an expert on not only the prescriptions, but over the counter medicine as well. Be sure to ask about the medicines you are currently taking and compare this to those you are considering

· Clinics- Large chain pharmacies even offer medical screenings for various health concerns

4. Talk to a physician- Tell them what’s happening, talk to a nurse for free advice. Ask what they do with patients who can’t pay with insurance. Find out if they have a sliding scale payment plan. This means that they’ll take less money as long as you are making less.

5. It’s possible to get free samples from your doctor so be sure to ask. Perhaps you know of others who have similar medical concerns, talk to your doctor about a group visit to get support as a group together.

6. Take part in group visits with your physician or support groups for those with similar diseases.

For your Kids: Contact your county and find out what you can do for medical care, often there is a low or no cost option even if you can’t get coverage through medicare. If there isn’t anything at your county level look at the state level to find out what your options are.

Source by Sophie Maddox

Medicare Advantage Plans, are health plans from insurance companies that have a contract with CMS (Center for Medicare and Medicaid). Individuals who have Medicare Part A and B are eligible to choose a Medicare Advantage plan. Specialized plans exist for people with certain health conditions, but beyond that the general plans are not allowed to decline based on health except for very specific reasons.

When an individual is enrolled in the plan they do not lose their Medicare. They are entitled to cancel their Medicare Advantage plan, and the next month, they can go back to original Medicare. While enrolled in Medicare Advantage, they will have to use the insurance card provided by the Medicare Advantage plan instead of their Medicare card.

These plans may cost the participants nothing, or very little, though many still require the Part B participation amount. A Medicare Advantage plan is not free however. The plans receive a contribution from CMS every month, instead of having that tax money go to original Medicare. That is how the bulk of the plan is paid for, from tax money.

Traditionally, Medicare Advantage Plans were thought of as HMO plans were an insured person had to use the plan hospitals, doctors, and other medical providers to be covered. Many Medicare Advantage Plans are HMO plans. However, PPO Medicare Advantage plans also exist. Fee for Service Medicare Advantage Plans, or plans that will cover any medical providers who accept the insurance, are being marketed aggressively these days.

Your own medical needs and preferences will determine which plan will work out well for you. If your current medical providers contract with the plan’s HMO, then you may be very satisfied with comprehensive coverage with very little extra payments. If you like more choice, and area doctors will accept a Free For Service plan then you might consider an “Any Doctor” plan. Be aware that not all doctors work with the Fee For Service plans, even though the insurance company claims it will work with any doctor! A great compromise is provided by PPO plans. You get the greatest coverage at the lowest price inside the network, but will still be covered by other medical providers.

Most, but not all, Medicare Advantage plans also contain Part D, or prescription drug coverage. Medicare Advantage plans may have very low, or no, premium for the insured people beyond their normal Part B premium. Some plans even refund the Part B premium. Also, Medicare Advantage Plans are not allowed to do a lot of risk selection based upon health, so they may be a good choice for less healthy applicants.

A traditional Medicare Supplement is very different from Medicare Advantage. With Medicare Supplements you still use your original Medicare Card, and add your Medicare Supplement health card. These plans are also provided by insurance companies, but they simply supplement the coverage gaps and deductibles not provided by original Medicare Part A and Part B.

If you have Medicare Part A and Part B, your Medicare supplement plan will pay the portion of your medical bill that Medicare will not pay. Of course, Medicare supplement plans differ, and so you need to be aware of exactly which portions a Medicare Supplement plan will pay before you sign up. For instance, Medicare may be 80% of your hospital bill, and your supplement will pick up the other 20%.

Medicare supplements come with premiums, and also may exclude unhealthy individuals. However, they generally provide the broadest access to health care.

Source by Marilyn Katz

Estimates from industries leading emergency room insurance supplements:

– $ 10,000 Family Plan: $ 47.00 US dollars per month. (price includes everyone)
– $ 7,500 Family Plan: $ 41.00 US dollars per month.
– $ 5,000 Family Plan: $ 35.00 US dollars per month.
– $ 10,000 Individual Plan: $ 36.00 US dollars per month.
– $ 7,500 Individual Plan: $ 29.00 US dollars per month.
– $ 5,000 Individual Plan: $ 24.00 US dollars per month.

ER supplement plan provider network:

Any licensed doctor, hospital, emergency room, urgent quick care facility, or medical clinic.

How emergency room insurance supplements work:

Accident coverage for the ER has no health questions when applying online and automatic acceptance is up to age 70. Plans are not insurance, rather an association based indemnity policy. Indemnity insurance plans pay the insured in lump sum payments up to a predetermined policy face value amount. Payments can either be paid to the insured directly, or the hospital and doctor who treated the injury. Policies only cover accidental bodily injuries and not sickness. As you'll notice in the quotes above, available benefit levels (policy face value) available are $ 2,500, $ 5,000, $ 7,500, and $ 10,000. Price for family plans include everyone, meaning a 12 person family pays the same monthly dues as a 3 person family.

Emergency room coverage pays for expenses billed by a hospital or doctor used for injury treatment, up to the benefit level selected ($ 2,500, $ 5,000, $ 7,500, $ 10,000), less a $ 100 dollar deductible. Deductible is the actual out of pocket expense you'll have before accident plan pays. Plan will pay up to the max benefit per accident or per injury. Indemnity benefits reset and every accident is treated as a separate event subject to new benefits and another $ 100 deductible.

Emergency room insurance plan explanation of benefits (EOB):

-Emergency Room (bodily injury visits; not sickness)
-Physicians / Doctors / Surgeon fees for surgery (inpatient and outpatient).
-General nursing care and hospital room and board
-Doctors visits (in or outpatient)
-Ambulance
-Hospital miscellaneous expense during confinement, outpatient surgery, operating room expense, lab tests.
-MRI's
-X-Rays
-Dental treatment for injured sound natural teeth.
-Nurse expense
-Prescription Drugs
-Anesthesia
-Crutches, splints, casts.

ER Supplement Fine Print and Exclusions:

Accident policy must be in force prior to a covered injury. Kids sport league injuries are covered on some plans including high school sports injuries. Children can stay on family plan until age 26. Professional and College Level Athletics are not covered on this style injury plan. Covered charges are only payable for injuries that the insured seeks the initial treatment within 12 weeks of injury. Member has one year since date of initial injury to get treated and be covered on plan. Policy covers accident medical expenses incurred while outside the United States for up to 60 consecutive days.

Source by Adam Santi

Book your appointment