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 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  http://www.hormonetherapyclinic.com/classic_bluelink.html

                  The American Cancer Society http://www.cancer.org        

                 Midwest Compounders http://www.mwcpharmacy.com

                Health Grades http://www.healthgrades.com                                           

            College Pharmacy http://www.collegepharmacy.com

                   IMPAKT Health  http://www.impakt.com


Resource: HRT Charlotte

January 18, 2019 0 By shescrafty

Hardwood flooring Charlotte NC

If you are still interested in having a wooden floor, you might want to start brainstorming ideas of what you want your floor to look like. Colors, types of wood, and price ranges all all important factors in this equation. Also, don’t set the bar too high. If you have an idea of what you want, chances are you can get it, but not always for a reasonable price. After you have thought of some designs or patterns you like, try finding samples of them in a hardware store or specialty store. Also try drawing out the pattern you thought of on some paper or on the computer. You can show this to an associate so they can help you find what you are looking for.


After the installation of your new wooden flooring has been completed, remember to take good care of it. By waxing and keeping scuff marks and scratches of your new floor, you new floor will keep looking new for years to come. There are a lot of products out there used for keeping your floor looking shine and new, all the while protecting it. Try buying a few decorative rugs for your pets to rest on instead of the hardwood. There are many beautiful and exotic rugs you can find if you just look around. But most of all, just enjoy your new wooden flooring design!

Resource: Hardwood flooring Charlotte NC