Can’t Pay Your Medical Bills? Here Are 3 Solutions You Can Try

Did you know that healthcare costs are one of the biggest headaches in most households?

Yes, buying food and paying for proper housing often take priority. But with rising health costs and an increase in lifestyle diseases, medical bills are quickly becoming a critical financial burden.  Today, it’s scary just thinking about getting sick!

 

Statistics show that more people are getting into debt due to outstanding medical bills caused by chronic health conditions. However, the truth is that you don’t have to stay up all night racking your brain about medical bills. There are things that you can do to save on healthcare costs.

 

Here are three solutions that you definitely need to consider:

 

Check Your Medical Bills for Errors

 

Did you know that as much as 50 percent of all medical bills have clerical errors that lead to overcharging? Healthcare billing errors can make you pay a lot of money unnecessarily.

This is why you need to keep all your medical records safely, including your insurance benefits paperwork. This is the only way to protect against medical billing errors.

 

Then you need to go over your medical bills with a fine tooth comb. If you find that you have been overcharged, just call your healthcare provider and ask them to sort it out. It is your responsibility to audit your bills and ensure that whatever medical charges that have accrued are correct. If your bill is extremely high, you should consider consulting a medical billing advocate to help you lower the charges.

 

Get Financial Assistance

 

When a medical need arises and you are totally strapped for cash, you may have to get a cash loan. There are companies that give clients loans on short notice, which is exactly what you need during a medical emergency.  You can refer to www.quickle.com.au for more resources on how to get a loan. This kind of financial assistance is much faster than waiting for a loan from a bank.

 

There are a couple of things to note, however. These types of loans should only be taken out for emergencies. Avoid taking a loan when you have other options available to you, for example, family members and friends. Another point to remember is that high-interest loans should only be considered when you are confident of paying them back in time.

 

Haggle Persistently

 

Did you know that you can actuallynegotiate to reduce your medical bills? You can negotiate your medical bills either through the doctor’s office, hospital, or even your health insurer. Go to the medical billing manager or anyone who has the authority to give you a discount. You may have to be persistent in this. Make calls and send emails and faxes. If this doesn’t work, then write a letter to the management team asking for a discount. Once they agree, make sure the agreement is in writing.

Nobody wants to get sick or injured. It’s simply a part of life. When medical bills pile up on you unexpectedly, rest assured that you have options you can resort to. Check your bills for errors, get financial assistance, or at least haggle to get the charges lowered. It will definitely be worth it.

 

5 Services That Moms Should Indulge In

 

Every mom needs a little help every now and then. Sometimes that help comes in the form of an extra pair of hands, while other times, it means seeking a service that helps make your home life a little easier and more comfortable. Whatever the case, consider indulging in a service that helps lighten the load. Of course, what services you can choose from depends on your budget, however, there are all types of options available at many price points. Take a look at the following services and work out what’s best for you and your household:

 

1) Meal Box Subscription

Meal box subscriptions like HelloFreshand Blue Apronare great options for parents who want to make their home cooking much more streamlined and easier. These subscription boxes come with a variety of packages depending on your needs. You can choose how many people you’ll be serving, what type of food you prefer to serve, and much more.

 

Each box comes with fresh food, a recipe card, and all the ingredients you need. This way, you can save yourself some shopping time. You’ll also discover new recipes and cooking methods that you may not have otherwise discovered. And lastly, if your kids are old enough, it’s a great way to bond with them and help them learn to cook,too.

 

2) Housekeeping Service

Let’s face it: one of the most tedious household tasks is cleaning it. This is especially more difficult when you’ve got toddlers running around. A housekeeping service is the perfect way to free up some time and rid yourself of some of the more mundane cleaning that you might be dreading.

 

For example, perhaps your home needs a deep spring cleaning and you’ve been unsuccessful at finding ways to carve it into your schedule. You should conduct a local Google search for an authentic housekeeping service if you want to stay safe and work with a reputable cleaner.

 

You’d be surprised at how many housekeeping services there are, even in the smallest and most remote towns. These may be a better option for you if you’d rather bring in an accredited team versus an individual from an app like TaskRabbit. For example, according to MountainMeadowMaids.com, a cleaning service in Littleton CO, “We are fully licensed, bonded, background checked and insured. No long term contracts means we must satisfy our customers.”

 

3) Babysitting Services

Every mom needs some free time. However, it can be difficult to find friends and family to babysit your children whenever you need. Take advantage of babysitting services. It may feel worrisome at first, but when you use babysitting services like Care.com, you can choose people who have passed thorough background checks, are CPR certified, and have extensive babysitting experience. You’ll even be able to see reviews from other happy parents.

 

If you’re particularly hesitant, you can always meet the potential babysitter ahead of time, and conduct a traditional interview. You could also have them babysit your children for the first time while you are present—which would give you the free time you need to do work or other things you need around the house, while also monitoring how they take care of your children’s needs.

 

4) Easy Kicks

Tired of wasting money on name brand shoes that don’t fit your kid in six months? EasyKicksis one of the less traditional services on this list, but it can certainly help you out. Easy Kids is another type of subscription service that sends you new Nike shoes for your kids ever few months, allowing you to trade those shoes in for new shoes once your child is ready for a new pair.

 

When your kids are young, this is ideal, as kids grow out of shoes fairly quickly. There are dozens of Nike shoe styles in a range of colors, and the subscription box itself is very kid-friendly, and comes equipped with stickers and fun small-sized items.

 

5) Spa Services

Heading over to the spa is one of the biggest indulgences on this list, and it’s one you should definitely take advantage of. Not only will it afford you some private time, but it’s also beneficial for the mind and body. If you’ve been having a stressful time (what mom doesn’t?), you’ll benefit from the unique way that spas are designed to calm your stress and ease your mind. A sauna can help you improve your respiratory health, as well as flush toxins from your body. And many people actually leave the spa feeling rejuvenated and more confident than they did when they went in.

 

 

Planning a Family Reunion

Planning a Family Reunion

If you’re like most people today, your family is likely spread out across the country, or even living abroad. With the cost of travel expenses, it’s often hard to see your family members on a regular basis. Why not plan a family reunion where everyone can gather in one location? Planning a family reunion is a big task that will take careful preparation. It’s an event that may include hundreds, even thousands, of immediate and distant relatives. The cost of the reunion and travel expenses will probably impact the size of the event, so you’ll need to establish parameters first.

Start Planning Early

Set a date for your family reunion as early as possible, preferably a full year in advance. You will need a lot of time to create an organized schedule, find a convenient location, make arrangements for hotel rooms, meals and activities, and figure out last minute details. Family members with children in school will have to plan around school activities, so a summer reunion may be more convenient.

Make Up a Guest List

Overall costs for the event will depend on the number of family members that are invited. Of course, parents, grandparents, sisters and brothers, and grandchildren will be on the list, but what about first cousins, second cousins, and beyond? Ideally, inviting everyone would be great, but it’s likely that you won’t be able to include every branch of your family tree.

Find a Location

Finding a location that works for everyone may be difficult. It’s best to look for a centrally located place that’s convenient for most family members, especially if you have elderly grandparents and small children on the guest list. If there’s a family member with a large back yard or a beautiful public park nearby, you can rent a high peak tension tent for meals and family activities.

Plan a Time Frame

If you’re planning an annual reunion, a weekend will be enough time. If family reunions don’t happen very often, consider a week or at least a few extra days for family members who can stay a little longer. It may be years before another family reunion occurs.

What to do if Your Child Gets in a Car Accident

Finding out that your child has been in a car accident is terrifying. The news can send your mind reeling as you race to figure out what happened. Of course, the first thing that you want to know is if everyone is alright. If your child has been hurt, you’re not going to be able to focus on anything else.

Once things begin to settle down, you can turn your attention to other matters. It’s possible that you’ve become tangled up in a legal situation. You might have to sue the other driver. Or, if the accident was your child’s fault, you may be facing litigation yourself.

Your behavior post-accident is critical. There are a lot of things to take care of. You need to comfort your child, speak with your insurance company, and you might need to call a lawyer.

If your child is facing criminal charges, you should look into finding Emporia VA reckless driving attorneys.

“Don’t assume that you can argue out your case and end up with a lenient penalty, just because you have a clean driving record. The truth is, you may receive a friendly fine and not end up in jail,” writes Virginia law firm Weiland Upton.

“However, a conviction also carries a permanent criminal record. Such a record will remain with you forever, thus denying you plenty of opportunities.”

Are You Liable?

Your liability depends on your jurisdiction. Parental liability means that you’re responsible for your minor child’s infractions.

Most states do not hold parents accountable for their children’s negligence behind the wheel unless criminal charges are involved. You can also get into trouble if you knowingly allow your child behind the wheel when they’re impaired.

What About Your Insurance?

Your teen’s insurance rate will surge after the accident. In some cases, it doesn’t even matter if your teen was at fault. Simply being involved in an accident is enough to affect a teen’s insurance rate.

Depending on your insurer and if your child is listed on your policy, your own rates may increase as well. If you want to keep your costs under control, you may have to remove your teen as a listed driver on your car.

Your insurer may also decide to cancel your teen’s insurance if they get into an accident. The companies are regulated by state laws. In some markets, insurers are free to deny coverage to anyone they deem unsuitable.

If your teen’s policy is canceled, you still have options. You can enter a high-risk insurance pool that will provide coverage at an increased cost.

What Should You Say to Your Teen?

Speaking to your teen after the accident might be tough. You might feel angry or scared or both. The important thing to do is to remain calm. Yelling will make everything worse. Your teen may have messed up, and perhaps they need to be punished, but they still need to feel as though they can trust you.

If you scream at them about the accident, they may stop approaching you with problems. No one likes being yelled at.

Don’t mistake being calm for being too lenient. There should be consequences for the accident. You can ask your teen to pay their own ticket or car repairs or you can increase their workload of household chores.

You may be tempted to prevent your child from driving for a while. However, if they still have their license, it might be a good idea to let them get back behind the wheel pretty soon after the accident. You don’t want them to develop a driving phobia.

To make it less nerve-wracking, drive with them. For a few weeks after the collision, your teen should only drive with a parent in the car. This will help both of you feel more comfortable.

When your child gets into a car accident, it can be an incredibly stressful experience. That’s especially true if you have to involve a lawyer. However, by remaining calm you can make the process feel smoother.

Being a parent is tough. It would be easier if your kids never made mistakes but obviously, that’s impossible. The reason that car insurance for teens is so expensive is that insurers expect them to get into accidents. Automobile crashes are the leading cause of death among people aged 15-24.

So, what should you do when you get the dreaded phone call? Stay calm and remember that your child is only human.

 

 

 

 

 

 

How to Help Your Kids Go Back to School This Fall

If you are a parent, you know how important it is for your kids to get a great education. Getting a good education can make all the difference for a child and determine the rest of their life going forward. Your children may look forward to going back to school or starting school and you may be looking forward to it too. However, you also may be nervous about the experience. If that is true, remember that you are not alone. Here are a few tips to help you get your kids to go back to school without all of the stress.

First, you need to make sure that your kids are in the right class for them. Most kids do best at a local public school, which has a lot of resources that smaller schools may not have and allow kids to get to know others in their neighborhood. However, other kids would do best at other schools, depending on their unique circumstances and needs. Some kids would benefit from affordable private schools tampa florida that could give them more personalized education. Talk to your kids about their opinions and don’t just settle for whatever is easiest or seems best to you.

Then, get your kid mentally prepared by talking about the rules at their school and expectations for behavior. If your kid is nervous about going back to school, don’t just tell them that they shouldn’t be. Instead, listen to your kids and ask them questions so that they can start to communicate what is really bothering them. Is something else going on in their life that you don’t know about? Is there some way that you can help them and really make a difference? You’ll never know unless you talk to your kid and, more importantly, listen to them.

Going back to school can be exciting as well as stressful. Take time to celebrate your child’s accomplishments and praise him or her. After all, working hard at school will set your child up for a lifetime of success.