To cover or not to cover? Are you covered by your insurance?

Month: September 2015

I have a friend that lives in Salt Lake City Utah and they have a son who was messing around and running around their house acting like an out of control 8 year old.  What happened next was crazy!  This son was obviously not paying attention to his surroundings when he tripped over a rug and fell into the window of their great room.  The window shattered and the boy’s arms were all mangled and cut up.  Gratefully, they were able to find a window company who replaced home windows.  They were great to work with and got the window replaced right away.  The worst part about all of this is that my friend’s health insurance wouldn’t cover diddly-squat when it came to caring for his son’s injuries and their visit to the emergency room.

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Insurance for your Pet!

Month: September 2015

I wanted to bring up a topic that is not so serious yet still relevant and truly still thought provoking. As you can read in the title, I wanted to discuss the topic of obtaining insurance for your household pet which is usually your dog or cat. I am not sure just how far the bounds of animal pet insurance goes though. As far as having your bird (parakeet, pigeon, part, etc.) or horse or hamster, gerbil, mouse, snake, rat goldfish and all the other species of fish, pot belly pig, and so on and so on. I don’t even know where to begin or how those insurance companies that do provide coverage for animals know where to cut it off. On a different note, how do they measure what is coverable or not? Perhaps one of the readers on this website/post can chime in and explain this better to a novice of animal insurance.

I can see the wisdom in having your pet covered with health insurance if your pet is always sick or has a disease or needs certain surgeries, etc. What I am curious about is how do you measure the deductible or allow or not allow an animal based on pre-existing conditions or is there any such thing in existence with animals? It truly is a bizarre type of coverage to have indeed. You would think that animal insurance is a good thing to have n the receiving end, however on the providing end it makes you wonder why they would do knowing that it fully is meant to be a for profit venture. I just have a really hard time thinking that any animal health insurance company truly has your pet’s best interest in mind. Maybe they do, stranger things have happened.

One final thought to leave you all with as I do not expect there to be any answers or comments to this strange post. Nevertheless, I wanted to bring up this topic and see what responses if any that I may stir up in any of you. So here is my final thought, what if there was a bill that mandated all American pet owners to obtain an animal health insurance policy for their pet? At first it sounds crazy right? In all actuality it is no different than Obamacare forcing us to get health insurance because it is in the best interest of Americans. Even crazier, you will be penalized for not getting insurance if you do not want it. So why not expand this concept to all forms of those covered with insurance to prove a point that we cannot be treated like dogs as we deserve basic freedoms such as to get health insurance or not. At this point, this is food for thought. Please leave a comment if you either agree or disagree, I am always open to learning and I am sure everyone here has some type of information on the matter. If not, oh well, life goes on and so shall we then.

Read More

Dental Care

Month: September 2015

We have this dental insurance plan right now that requires a waiting period for any services other than the regular six month cleanings.  We used to have dental insurance that didn’t have any waiting periods at all.  If the dentist said we needed a filling and we had a cavity or two we could schedule an appointment as soon as they could fit us in.  We usually had any follow up work done within a week of the cleaning.

The current waiting periods for our insurance plan, I won’t give the name or too many details, but we have to wait six months for any basic services which includes mainly cavities, sealants, extractions, root canals and root planing.  But this too may vary by the insurance company and plan you have.  For any major services, the waiting period is 18 months.  If we need anything major done, for example:  implants,  crowns, bridges, or oral surgery we have to wait 18 months after we sign up to get any of this work done.

On the other hand, my children get a preventative child care plan.  I think they call it a pediatric dental plan.  This pediatric dental plan is part of their health insurance plan.  It only covers the basic cleaning every six months as well as some x-rays.  I am glad my wife was able to take my daughters to the dentist for the first time recently.  Only to find out though that our oldest has 3 cavities and the dentist recommended sealants for a number of her teeth.  After they showed my wife a breakdown of the cost of getting the fillings and the sealants and gave her the print out, she called me to explain what went down and what the cost would be to get the work done at the kid’s dental office.  Thank goodness we know about this place that works with a hygienist school, in fact, it’s a dental office behind the school that offers dental work for 1/2 price.

Instead of continuing our dental insurance, for my wife and I, we will probably not continue paying the premium because we are paying $50 something dollars a month for what?  Oh yeah, for a cleaning and x-rays.  We will take our business to 1/2 price dental, even for our kid’s.  It will be about $200 cheaper to go there to get my daughters fillings and sealants taken care of promptly, instead of waiting until who knows when to use the pediatric plan that we have for our children which doesn’t cover squat.

Read More

To cover or not to cover? Are you covered by your insurance?

Month: September 2015

I have a friend that lives in Salt Lake City Utah and they have a son who was messing around and running around their house acting like an out of control 8 year old.  What happened next was crazy!  This son was obviously not paying attention to his surroundings when he tripped over a rug and fell into the window of their great room.  The window shattered and the boy’s arms were all mangled and cut up.  Gratefully, they were able to find a window company who replaced home windows.  They were great to work with and got the window replaced right away.  The worst part about all of this is that my friend’s health insurance wouldn’t cover diddly-squat when it came to caring for his son’s injuries and their visit to the emergency room.

Continue reading

Read More

Insurance for your Pet!

Month: September 2015

I wanted to bring up a topic that is not so serious yet still relevant and truly still thought provoking. As you can read in the title, I wanted to discuss the topic of obtaining insurance for your household pet which is usually your dog or cat. I am not sure just how far the bounds of animal pet insurance goes though. As far as having your bird (parakeet, pigeon, part, etc.) or horse or hamster, gerbil, mouse, snake, rat goldfish and all the other species of fish, pot belly pig, and so on and so on. I don’t even know where to begin or how those insurance companies that do provide coverage for animals know where to cut it off. On a different note, how do they measure what is coverable or not? Perhaps one of the readers on this website/post can chime in and explain this better to a novice of animal insurance.

I can see the wisdom in having your pet covered with health insurance if your pet is always sick or has a disease or needs certain surgeries, etc. What I am curious about is how do you measure the deductible or allow or not allow an animal based on pre-existing conditions or is there any such thing in existence with animals? It truly is a bizarre type of coverage to have indeed. You would think that animal insurance is a good thing to have n the receiving end, however on the providing end it makes you wonder why they would do knowing that it fully is meant to be a for profit venture. I just have a really hard time thinking that any animal health insurance company truly has your pet’s best interest in mind. Maybe they do, stranger things have happened.

One final thought to leave you all with as I do not expect there to be any answers or comments to this strange post. Nevertheless, I wanted to bring up this topic and see what responses if any that I may stir up in any of you. So here is my final thought, what if there was a bill that mandated all American pet owners to obtain an animal health insurance policy for their pet? At first it sounds crazy right? In all actuality it is no different than Obamacare forcing us to get health insurance because it is in the best interest of Americans. Even crazier, you will be penalized for not getting insurance if you do not want it. So why not expand this concept to all forms of those covered with insurance to prove a point that we cannot be treated like dogs as we deserve basic freedoms such as to get health insurance or not. At this point, this is food for thought. Please leave a comment if you either agree or disagree, I am always open to learning and I am sure everyone here has some type of information on the matter. If not, oh well, life goes on and so shall we then.

Read More

Dental Care

Month: September 2015

We have this dental insurance plan right now that requires a waiting period for any services other than the regular six month cleanings.  We used to have dental insurance that didn’t have any waiting periods at all.  If the dentist said we needed a filling and we had a cavity or two we could schedule an appointment as soon as they could fit us in.  We usually had any follow up work done within a week of the cleaning.

The current waiting periods for our insurance plan, I won’t give the name or too many details, but we have to wait six months for any basic services which includes mainly cavities, sealants, extractions, root canals and root planing.  But this too may vary by the insurance company and plan you have.  For any major services, the waiting period is 18 months.  If we need anything major done, for example:  implants,  crowns, bridges, or oral surgery we have to wait 18 months after we sign up to get any of this work done.

On the other hand, my children get a preventative child care plan.  I think they call it a pediatric dental plan.  This pediatric dental plan is part of their health insurance plan.  It only covers the basic cleaning every six months as well as some x-rays.  I am glad my wife was able to take my daughters to the dentist for the first time recently.  Only to find out though that our oldest has 3 cavities and the dentist recommended sealants for a number of her teeth.  After they showed my wife a breakdown of the cost of getting the fillings and the sealants and gave her the print out, she called me to explain what went down and what the cost would be to get the work done at the kid’s dental office.  Thank goodness we know about this place that works with a hygienist school, in fact, it’s a dental office behind the school that offers dental work for 1/2 price.

Instead of continuing our dental insurance, for my wife and I, we will probably not continue paying the premium because we are paying $50 something dollars a month for what?  Oh yeah, for a cleaning and x-rays.  We will take our business to 1/2 price dental, even for our kid’s.  It will be about $200 cheaper to go there to get my daughters fillings and sealants taken care of promptly, instead of waiting until who knows when to use the pediatric plan that we have for our children which doesn’t cover squat.

Read More

To cover or not to cover? Are you covered by your insurance?

Month: September 2015

I have a friend that lives in Salt Lake City Utah and they have a son who was messing around and running around their house acting like an out of control 8 year old.  What happened next was crazy!  This son was obviously not paying attention to his surroundings when he tripped over a rug and fell into the window of their great room.  The window shattered and the boy’s arms were all mangled and cut up.  Gratefully, they were able to find a window company who replaced home windows.  They were great to work with and got the window replaced right away.  The worst part about all of this is that my friend’s health insurance wouldn’t cover diddly-squat when it came to caring for his son’s injuries and their visit to the emergency room.

Continue reading

Read More

Insurance for your Pet!

Month: September 2015

I wanted to bring up a topic that is not so serious yet still relevant and truly still thought provoking. As you can read in the title, I wanted to discuss the topic of obtaining insurance for your household pet which is usually your dog or cat. I am not sure just how far the bounds of animal pet insurance goes though. As far as having your bird (parakeet, pigeon, part, etc.) or horse or hamster, gerbil, mouse, snake, rat goldfish and all the other species of fish, pot belly pig, and so on and so on. I don’t even know where to begin or how those insurance companies that do provide coverage for animals know where to cut it off. On a different note, how do they measure what is coverable or not? Perhaps one of the readers on this website/post can chime in and explain this better to a novice of animal insurance.

I can see the wisdom in having your pet covered with health insurance if your pet is always sick or has a disease or needs certain surgeries, etc. What I am curious about is how do you measure the deductible or allow or not allow an animal based on pre-existing conditions or is there any such thing in existence with animals? It truly is a bizarre type of coverage to have indeed. You would think that animal insurance is a good thing to have n the receiving end, however on the providing end it makes you wonder why they would do knowing that it fully is meant to be a for profit venture. I just have a really hard time thinking that any animal health insurance company truly has your pet’s best interest in mind. Maybe they do, stranger things have happened.

One final thought to leave you all with as I do not expect there to be any answers or comments to this strange post. Nevertheless, I wanted to bring up this topic and see what responses if any that I may stir up in any of you. So here is my final thought, what if there was a bill that mandated all American pet owners to obtain an animal health insurance policy for their pet? At first it sounds crazy right? In all actuality it is no different than Obamacare forcing us to get health insurance because it is in the best interest of Americans. Even crazier, you will be penalized for not getting insurance if you do not want it. So why not expand this concept to all forms of those covered with insurance to prove a point that we cannot be treated like dogs as we deserve basic freedoms such as to get health insurance or not. At this point, this is food for thought. Please leave a comment if you either agree or disagree, I am always open to learning and I am sure everyone here has some type of information on the matter. If not, oh well, life goes on and so shall we then.

Read More

Dental Care

Month: September 2015

We have this dental insurance plan right now that requires a waiting period for any services other than the regular six month cleanings.  We used to have dental insurance that didn’t have any waiting periods at all.  If the dentist said we needed a filling and we had a cavity or two we could schedule an appointment as soon as they could fit us in.  We usually had any follow up work done within a week of the cleaning.

The current waiting periods for our insurance plan, I won’t give the name or too many details, but we have to wait six months for any basic services which includes mainly cavities, sealants, extractions, root canals and root planing.  But this too may vary by the insurance company and plan you have.  For any major services, the waiting period is 18 months.  If we need anything major done, for example:  implants,  crowns, bridges, or oral surgery we have to wait 18 months after we sign up to get any of this work done.

On the other hand, my children get a preventative child care plan.  I think they call it a pediatric dental plan.  This pediatric dental plan is part of their health insurance plan.  It only covers the basic cleaning every six months as well as some x-rays.  I am glad my wife was able to take my daughters to the dentist for the first time recently.  Only to find out though that our oldest has 3 cavities and the dentist recommended sealants for a number of her teeth.  After they showed my wife a breakdown of the cost of getting the fillings and the sealants and gave her the print out, she called me to explain what went down and what the cost would be to get the work done at the kid’s dental office.  Thank goodness we know about this place that works with a hygienist school, in fact, it’s a dental office behind the school that offers dental work for 1/2 price.

Instead of continuing our dental insurance, for my wife and I, we will probably not continue paying the premium because we are paying $50 something dollars a month for what?  Oh yeah, for a cleaning and x-rays.  We will take our business to 1/2 price dental, even for our kid’s.  It will be about $200 cheaper to go there to get my daughters fillings and sealants taken care of promptly, instead of waiting until who knows when to use the pediatric plan that we have for our children which doesn’t cover squat.

Read More