Author: shescrafty

February 14, 2019 0 By shescrafty

How Can I Reduce Debt From Outstanding Medical Bills?

Millions of working-age Americans from all income groups are struggling to pay medical bills and manage accumulated medical debt. Many will continue to face problems with medical bills for years after their care was provided.
If you have been hit with unexpected, costly medical expenses, consider some of these tips for coping with your situation.

Talk to your health care provider.
If you find your medical bills are piling up faster than you can pay them, don’t hesitate to call your service provider and be honest about your situation. Ask for a reduction in fees or discuss setting up a payment plan that is satisfactory to both of you. It never hurts to ask, and you may be pleasantly surprised to find that it is not that difficult to negotiate a solution.
Avoid using credit cards or bank loans to finance the debt.
Perhaps the only positive aspect of medical debt is that health care professionals rarely report payment information to credit monitoring bureaus unless the debt has been passed off to a collection agency. On the other hand, credit card and installment loan data is routinely reported. So the wiser strategy may be to deal directly with the doctor or hospital to work out a payment plan, especially if you are concerned about maintaining a healthy credit score.
Review your bills carefully.
Medical bills typically arrive long after the service was rendered and they are notoriously complex, including multiple line items for physician time, laboratory tests, radiology, etc. Take time when the bills arrive to read through them and make sure you agree not only with the services performed, but also the details of how much coverage is provided by your health insurance.
Tap your emergency fund.
If there ever was a good argument for maintaining an emergency fund, an unexpected medical bill is it. While emergency funds may not cover your entire debt, they can help finance a payment plan that enables you to chip away at the debt a little each week, each month, etc.
January 27, 2019 0 By shescrafty

HVAC Contractor Charlotte NC

The choosing of the right HVAC Contractor Charlotte NC is a tough job, but it can be made easy by considering certain factors.The individuals and the businessman are in a constant need of the best HVAC systems with good repair and replacement facilities.



• Before choosing any HVAC contractor, make sure he is trustworthy and provide high quality work.

• The heating and the air conditioning company they are working for should be ranked high on a performance scale. Also consider reviewing from customers regarding his professional abilities, meeting deadlines etc..

• Different heating and air conditioning companies and businessman are rendering the best services through qualified professionals and technicians.

• You can also ask for referrals from their previous customers which can give you a clear idea of his previous performances. You can also take help from your neighbors and colleagues to locate good Heating and Cooling Contractors.

Energy star qualified heating and cooling equipment

• You can easily upgrade your existing system or replace the old one with a high quality Energy star qualified system.

• It causes a marked reduction in your monthly and annual energy bills.

The HVAC system is essential to provide a comfortable environment within your home. It gives you a sufficient cooling environment during crotching summers and cozy, warm environment in dry chill weather. The highest quality air free of contaminants improves your health and keep you away from various allergic reactions. Always keep your basic requirements and available in the budget when choosing any HVAC system to avoid future problems.

January 25, 2019 0 By shescrafty

Get in touch with a reliable dentist in Mokena IL

We also have the best dentist in Mokena IL . Come visit him today! Our Patients Are Family Members Each patient is a family member and a friend at dentistry in Mokena IL . Creating a lifetime relationship with our patients means everything in the world to us. We provide a gentle touch. We know that patients may not look forward to sitting in a dentist’s chair. This is why we make the experience as comfortable as possible.


Our Dental Services

We offer the following services: Professional teeth cleaning, periodontal deep cleanings, veneers, dental implants, Invisalign, crowns, teeth whitening, dentures, teeth extractions, root canals, digital radiography, intra oral digital photography, oral cancer examinations, and fluoride varnish. Whatever you may need, dentist in Mokena IL will take care of you like family.

January 21, 2019 0 By shescrafty

Why Choose a Charlotte NC Plumber?

You’re in good hands as most Charlotte NC Plumber companies that we rated are licensed.  But when you choose one, make sure he’s also bonded, which means insured.

If your Charlotte NC Plumber is not bonded and he accidentally cracks your floors, he might not have enough money to pay you for the repairs and you’ll end up paying for it from your own pocket.

But when a Charlotte NC Plumber is bonded, it means he’s insured, and his insurance will pay for any damages he might cause to your home while trying to fix your plumbing.

So a Charlotte NC Plumber that can truly be helpful will be properly licensed and bonded.

That way, you can rest easy knowing that your home is guaranteed to get fixed.



Benefits Of Using A Charlotte NC Plumber?

Using a properly licensed and bonded Charlotte NC Plumber should not be compared to using a handyman.  Sure, a handyman might be cheaper to use, but if he were to cause damage to your home, you’re out of luck.

On the other hand, a well-establised, licensed, and bonded Charlotte NC Plumber will have the training and expertise to get the job done right.  And in the unlikely event that he damages your home, you know that his insurance will pay for the damages.


So to recap, when you choose a Charlotte NC Plumber, you get peace of mind knowing that the job is in good hands.  You also save time and frustration because a properly trained and experienced Charlotte NC Plumber can fix your issues in half the time.  And you also get the satisfaction of knowing you’re helping your local economy prosper.

January 19, 2019 0 By shescrafty

Types of HRT Charlotte

 What are Pellets?
Pellets are a natural source of estrogen and testosterone compounded into “pellets” by a pharmaceutical process.  They are about the same size as a grain of rice.

The pellets are placed underneath the skin in the fatty tissue.  The effect is the same as having an ovary or testicle present.  The procedure is easily performed in the office.

Patches — placed on skin weekly

Pills — daily orally

Injections — bi-monthly are also available.  As are gels and cream topicals.




Which Treatment is Best for You?


Websites to Visit: 

Hormone Therapy Clinic

                  The American Cancer Society        

                 Midwest Compounders

                Health Grades                                           

            College Pharmacy

                   IMPAKT Health


Resource: HRT Charlotte