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The Rising Cost of Health Insurance and the Other Options

Research has confirmed that 7 out of 10 Americans have no Dental coverage and about half of Americans have no Health Insurance. That is a staggering amount considering America’s population is growing tremendously and the percentages stay the same. Why? Because Health Insurance is outrageously high. Major health insurance companies are for-profit meaning that they are not out to help but to make money. Over the past 10 years, premiums have went up more than 200%. That is insane considering Americans have become healthier over that time period!

What do those without coverage or those who are terribly under-insured do? Some go without. Due to our declining economy people just can’t afford to go to the doctor. Sometimes, even in emergency situations, people decide that feeding their children is more important than going to the emergency room. I can honestly say this is something I understand. I have been in situations before where I put off medical care because I was scared of what my insurance would cover and what it would not and then I would be left with huge bills to pay on top of my necessities to buy.

What other options are there? As stated above, you can go without. If you had a painful cavity in your tooth and had no dental insurance, most dentist will make you pay up front before they do anything. To pull a tooth can cost anywhere from $100 to $1000 dollars. This is not including the pain medications, antibiotics, or any other medications you may be prescribed. I know for me, this is not a good option!

AmeriPlan ® Discount Dental and Medical Programs are the answer! AmeriPlan ® cuts out the middle man and takes you straight to your health care provider. With thousands of providers nationwide, including big name pharmacies, this isn’t an option to pass up! I found this out the hard way.

Before finding AmeriPlan ®, I applied for a Medical Credit Card. I thought it was the answer! Boy, was I wrong. The Credit Card paid for my procedures but I was stuck paying minimum payments with 36% interest! I ended up paying almost triple out of pocket. I wish I had of found AmeriPlan ® sooner so I could have saved an enormous amount of money. The Dentist I went to accepted AmeriPlan ® Dental Programs!

Now get this. AmeriPlan ® Dental Plus is only $19.95 a month for your entire household. This includes Discount Dental, Vision, Prescription and Chiropractic. This Program has saved hundreds up to 80% on their dental needs. There is no forms to fill out, no limits on services, all ongoing problems are accepted and there are over 30,000 Dentists nationwide!

Included in AmeriPlan ® Dental Plus is the Vision Program. There are over 12,000 providers nationwide with providers such as Lens Crafters, Pearle Vision, Sears and JC Penney. Savings include 10 to 55% on eye exams and surgery including LASIX! You also save up to 60% on glasses. It …

Dentists for a Tight Budget

If you do not earn a lot of money and are without proper insurance, you can still get treated for dental problems. Problems and emergencies in this area can strike at any time. You can break a tooth while you play sports. An old crown can fall off or chip. Your filling can fall out. A toothache can become very painful. Do not panic: you can get treatment for free or at an affordable price.

Community Health Care Centers and Dental Clinics

Many states have community health care centers and dental clinics. Many of them charge sliding scale fees to their patients, and they can save you a lot of money on your dentist expenses. Some community health centers and clinics work with charity care, which will pay for all or a portion of your dental expenses. These types of clinics are usually located in urban areas. Search for a community health care center in your area and give them a call. Find out what their fees are, if they work with charity care, what their hours are, and if they accept walk-ins. Bear in mind that some dental clinics have long waiting lists.

Dental Discount Cards

You can save a lot of money on your dental expenses by purchasing a dental discount card. You can save 40% -60% on most procedures with one such discount card. It will cost you $ 75 or more for the year, but is a nice alternative to proper insurance. By searching online, you can find many companies offering these discount cards, so you should compare the benefits associated with each plan. Choose a participating provider after you subscribe to the plan.

After you sign up for the plan, you will receive a membership card in the mail. You will need to present the card in the office when you come in for your first dentist's appointment. You will be able to use the card as much as you want, and the savings add up over time.

Financing

If you need to make an emergency trip to a dentist, you can apply for financing with a bank, credit union, or financing company. You will need decent credit in order to qualify for financing. If you have problems with your teeth, mouth, or jaw, and good credit, you will not have a problem finding a lender that will approve you, and you will be able to pay off your bills slowly.

Payday Loans

If you are short on cash and need to visit a dentistry office, you can apply for a payday loan. You do not need good credit in order to qualify for a payday loan; most payday loan companies do not do credit checks. Make sure you read the terms and conditions before you sign up for a payday loan to find out what kind of fees will be charged. Remember that such companies charge a lot of money in interest for their loans, and you will have to repay the loan in …

6 Dimensions of Wellness

When most of us think of wellness, we automatically think of physical health. We try to maintain a healthy body and hope that will ward off serious illness in the future. However, while physical health is crucial to good health, wellness has many dimensions beyond the physical. In fact, many experts believe there are 6 dimensions of wellness.

1. Emotional health
Understanding our emotions and finding healthy ways of expressing them is important to emotional health. Learn to accept your limitations and embrace ways to form healthy relationships with others. Maintain a sense of perspective, and learn to control emotions like sadness, anger, or frustration.

2. Spiritual health
Having a purpose in life and feeling that life is meaningful leads to spiritual health. Take some quiet time to discover the morals, ethics, and values ​​that guide your decision making, and try to stick with those during problematic times.

3. Social health
Maintaining healthy relationships with others leads to a healthier you. Try to learn ways to relate well with others, whether they are family members, coworkers, or friends. Practice communication skills and try to be the kind of friend or spouse you would like to have.

4. Environmental health
A healthier planet leads to healthier inhabitants, so not only should you protect yourself from environmental hazards, such as wearing sunscreen or staying indoors on smoggy days, but you should also look for ways to help the earth's health. Recycle or reuse items that you can, and donate used clothing, cell phones, or old computers to non-profit organizations that can refurbish them, thereby keeping them out of landfills.

5. Intellectual health
You've probably heard of the phrase "use it or lose it." That is particularly true for the brain. As we age, there is a natural progression of a slowing of the brain's functions, but you can combat this by working your brain every day. Keep your mind active with learning, creativity, and problem solving. Read up on current events each day. Paint, draw, or build something with your hands. Take a continuing education course at a local college, or join a book club. Even working a crossword puzzle each day can help to keep the mind active.

6. Physical health
Maintain a healthy body through proper nutrition, exercise, and the avoidance of harmful habits, such as smoking or alcohol abuse. Make sure you exercise at least 30 minutes each day. Eat lots of fruits, vegetables, whole grains, and healthy fats, such as those found in olive oil. Visit your dentist regularly, since dental health can affect the rest of your body. Seek medical attention when necessary.

Since our bodies and minds are interrelated, true wellness depends of integrating all of the above factors for a more holistic approach to good health. Monitoring and trying to improve in these 6 areas can lead to a happier, healthier you, which can ward off illnesses or diseases.

Physical health is probably the easiest to monitor. For a baseline of your body's physical health, …

May 2019
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