Tag Archives | insurance

Tips to Afford Quality Dental Care

I was recently alerted to a post on thesimpledollar.com talking about how to afford quality dental care. The link for this post is at http://www.thesimpledollar.com/how-to-afford-quality-dental-care/. The article is written by Chris Sirico and was last updated on June 15, 2017. The article goes into some of the costs for common dental procedures and what you can do if you don’t have insurance. The article also goes into HSAs/FSAs, dental credit cards, dental financing, dental savings plans, dental insurance, and cosmetic dentistry. The article provides a very nice chart about the average cost for various dental procedures with and without insurance. For example the average cost of removing a single wisdom tooth is $416 without insurance and has an average cost of $250 to $750 if you have insurance. As another example the average cost of a surgical tooth extraction is $401 without insurance and has an average cost of $334 with insurance. The article says that if you don’t have dental insurance or have a limited budget then you can talk to the dental office staff to see if there is anything they can do to help. Dental financing or a dental savings plan may be able to help. With dental […]

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Exploring the Alternative to Medical Injury Claims in New Hampshire

In a post last year I dicussed briefly the early offer system in New Hampshire see The Optional Alternative to Medical Injury Claims. This is the first of the kind system in the United States that is an alternative to the traditional medical malpractice system. An article in the 2013 issue 4 of the American Journal of Law and Medicine has explored this titled “Evaluating New Hampshire’s First-In-The-Nation Early Offer Alternative to Medical Malpractice Litigation,” and written by John W. Masland. The article states “Many states have enacted medical malpractice reforms, recognizing that their tort systems result in protracted litigation, high costs, and a large number of uncompensated victims. One proposed reform, an “early offer” system, allows a medical provider to make a financial offer covering an injured patient’s economic damages, which, if the patient accepts, precludes litigation…On June 27, 2012, the New Hampshire General Assembly overrode former Governor John Lynch’s veto and established the country’s first early offer payment system for medical malpractice claimants.  After a medical injury, patients may now request an early offer payment from their medical providers for economic damages.” The article goes into more specific details of the early offer program as implemented in New Hampshire. […]

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Bupa Ends Covering Wisdom Teeth Extractions Deeming Them Unnecessary

There is a lot of debate regarding removing asymptomatic third molars (wisdom teeth). Those who argue against removing asymptomatic wisdom teeth (retaining) are often accused of trying to save the insurance industry money (See for example Rogue Dentist’s Crusade), while those who argue for extracting asymptomatic wisdom teeth for preventative purposes are often accused of being interested in making more money due to the commonly used fee for service health care system. Somehow in the hoopla the patient’s health seems to take a back seat to some party making (or saving) money. Recently an article came out in London in the Times titled “Health insurer’s chief takes the knife to ‘unnecessary surgery” by Nic Fildes and Andrew Clark, March 13, 2013. The article opens by saying “Want to get your wisdom teeth extracted? Don’t ask Bupa, which is cutting back on what it deems unnecessary surgery in an attempt to improve profits in its ailing British business.” The article states that the CEO of Bupa says that it won’t pay for wisdom teeth extractions for patient’s who aren’t in pain. The CEO is quoted as essentially saying that there is no reliable research that suggests that removing healthy teeth have health […]

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Should you Stay Out of the Medical Businesses

Dr. McDougall, who I have written about before on this blog, see http://blog.teethremoval.com/how-to-protect-yourself-from-abusive-doctors/ and http://blog.teethremoval.com/food-children-and-diet, discussed in August, 2011, an article from Newsweek about the importance of avoiding some medical tests and treatments http://www.drmcdougall.com/misc/2011nl/aug/110800.htm. The Newsweek article is titled “The One Word that Can Save Your Life: No!,” by Sharon Begley, August 14, 2011. http://www.thedailybeast.com/newsweek/2011/08/14/some-medical-tests-procedures-do-more-harm-than-good.html. Dr. McDougall in response to the article says “You and your family cannot win by being familiar with doctors, drugs, and hospitals. Just like you do not want to be on a first name basis with morticians, lawyers, auto mechanics, and plumbers, you do not want a doctor as a best friend or your calendar littered with appointments to visit these professionals. An undeniable fact is that the more you see doctors, the more likely you are to be tested and treated; for better or worse.” The Newsweek article highlights some issues with modern medicine. Stents which are devices designed to prop open blocked arteries in the brain, with the aim of preventing strokes, has been found to cause twice as many strokes as in control groups in a study. Neither the PSA blood test for prostate cancer and/or an annual electrocardiogram to screen for […]

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The Risks of Cheerleading

I am not sure how many consider the risks and hazards of cheerleading, but c ertainly one thinks of the risks of other sports like football, hockey, and basketball. In actuality cheerleading is the second leading cause of catastrophic injuries in high school sports after football. The following infographic presents some informative information on the risks of cheerleading and questions whether or not it should nationally be made a sport. www.GlobeLifeInsurance.com

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