Lack of Medical and Dental Care Can Hurt Your Business

I have heard people theorize that the reason men tend to die at a younger age than women is because they do not take care of their health. Many men have told me that they do not go to a doctor or dentist unless they are sick or have a horrible toothache.

Because of this, the physicians and dentists do not have an opportunity to do proper assessments or teach preventative measures that will lead to an ongoing healthy condition.

A lack of medical and dental care can hurt your business in a number of ways:

1. You feel poorly longer than necessary – Have you ever had a cold that goes on and on and on. Your head feels full and it is not only difficult to concentrate but also to keep going because you ache all over. Sometimes a problem tooth can leave you hurting or you have eye strain because you need a new prescription lens in your glasses.

It is not always wise to try to persevere. In fact, sometimes you leave an untreated condition so long that it worsens and actually takes longer to recover. When you are ill, you and your business suffer. You are not able to work with the same efficiency and stamina as when you were at full potential.

2. You might miss out on early detection – Often people wait until they are seriously ill before seeing a medical professional. They think that if they just wait long enough, they will get over the problem.

We live in a wonderful world where there are so many tests and procedures that can assess and identify illnesses that can be treated in the very early stages of their development. The longer you wait, however, the more chance you have of allowing the condition to worsen.

3. You might not know about good self-care practices – I remember what life was like before we had simple techniques such as flossing. I know that my mother would have preferred to practice this rather than be subjected to the painful dental surgery she experienced because of gum disease.

Research is constantly uncovering and developing new strategies for self-care. Your medical and dental team will help you to learn about them.

If a solo professional is ill, the business cannot operate. You, as a solo professional, are the business.

It is therefore extremely important that you take care of yourself so that you do not risk your own health or the health. Have regular checkups will assist you to protect your health and detect any problems so that they can be treated in the early stages. That way you will be well on your way to being a healthy person with a healthy business.

How to Get Inexpensive Medical and Dental Insurance

Contrary to popular belief, inexpensive medical and dental insurance is not a thing of the past. You can get it now, if you know where to look and what to get.

Comprehensive Medical Insurance Plans

Comprehensive insurance plans cover your ongoing health care needs and are the most expensive plans. They include:

* Indemnity Plans. These are the traditional insurance plans that cover your doctor visits, hospital fees, and prescription drugs. These plans let you use your own doctor and hospital, and are the most expensive of the comprehensive insurance plans.

* Managed health care plans (HMOs, PPOs, POSs). These plans assign you to a health care group – doctors, hospitals, and specialists – that you use for your health care needs. Some of these plans let you use your own doctor and hospital for an additional fee. They are the least expensive comprehensive insurance plans.

* Medical saving accounts. These plans combine a tax-sheltered savings account with a high-deductible health insurance plan. The savings account is used to pay for minor medical expenses and the insurance pays for more expensive medical expenses.

Specialized Health Insurance Plans

Specialized health insurance plans cover only specific health care needs. They are the least expensive insurance plans. They include:

* Major medical insurance plans. These plans are high deductible health insurance plans that provide coverage for major illnesses such as heart attacks and cancer.

* Hospital and surgery plans. These plans provide coverage for hospital stays and surgical services only. They cover doctor fees, room and board, lab tests, and X-rays.

* Hospital confinement plans. These plans pay a set amount for each day you spend in the hospital.

* Short term plans. These are comprehensive health insurance plans with coverage that lasts for a specified amount of time.

* Accident only plans. These plans pay for doctor visits and hospital fees when you have an accident. They do not cover illnesses or diseases.

Dental Insurance Plans

Standard dental plans pay for dental services such as teeth cleanings, fillings, extractions, crowns, and X-rays. Indemnity dental plans allow you to see the dentist of your choice, and managed dental plans assign you to a group of dentists.

Dental plans are less expensive when they are part of a health insurance plan. You also have the added benefit of having only one insurance bill and one company to deal with.

Medical and Dental Practices “Feeling the Pain” Along With Their Patients

In this day and age rarely a day goes by that Americans are not inundated with articles, radio and television reports, and even conversations at the grocery store about Healthcare. And while most everyone has an opinion and it is a pretty good guess that the debate will continue over rising costs, insurance coverages, covered programs, and governmental intervention the fact remains that many who need care are simply not being provided. Revolving credit is not new for many operations in the Healthcare industry. Offices may have one or more options including credit cards. But for a host of reasons the credit card, for many, may not be the desired way to pay for services rendered. There are some programs out there for the dental and medical fields, but the fact is that these programs are often restrictive and does not benefit the medical professional and / or their clients. Practices are losing valuable patients and revenues while their patients, in many cases, are neglecting the care or procedure they need.

Is there an answer? Yes, in many cases. There will always be some guidelines as to whom can attain credit and there should be parameters. Anyone who has been around for the past five years or so has seen the negative impact on our economy that is a by-product of not having boundaries in place for credit decisions. However, there are some new players out there with eyes on helping consumers, taking a “Refreshingly Different” approach and are working with medical and dental professionals to offer a wider array of financing that will benefit both the practice and the patient.

Recently, this growing problem of denials was studied within the industry. As mentioned there are a select number of medical care companies offering revolving services to patients. While these credit grantors are established in this special marketplace and engrained in the healthcare industry their turn down ratios are quite alarming. Recognizing the need to finance more persons in need while working in cooperation with the office just makes a lot of sense. This is the “caring” business and perhaps new alternatives to the ‘same old, same old’ is what is needed and who’s time has come. Office and Practice managers are very busy professionals, but if they are willing to look at new programs that are easy to use and offer support to help them on an ongoing basis, perhaps a better situation for the Practice and its patients can emerge.