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What You Should Do Before You Leave the Hospital

Before you leave the hospital, you want to touch base with your doctor and get an idea of what your recovery will be like. Here are some things you want to do before you leave the hospital to go home:

  • Ask your doctor important questions – Before you leave the hospital, have one final talk with your doctor to ask questions, and make sure you understand your experience in the hospital as well as what should be happening once you are out of the hospital and at home. Think of all the questions and concerns you have about your hospital stay as well as your recovery, write them all down to make sure you don’t forget anything important.

To get you started, here are some important questions you might want to ask the doctor:

  • What should the recovery process be like?
  • Is physical therapy necessary?
  • Are there any dietary restrictions to abide by for the future?
  • Is there any medication that should be taken?
  • Set goals – After speaking with your doctor, set some goals for yourself when it comes to your recovery—don’t over-do it though. Set small goals based on what the doctor says about your recovery process. For example, you might want to be able to walk around your block or neighborhood without assistance after a week or so of being out of the hospital. Do what works for you.

Helpful Tips for When You Are Home from the Hospital

When you are home from the hospital is when the real work starts. This is your time to focus on your recovery and get better, so you can get back to your regular life. Here are some basic things you want to make sure you do when you have left the hospital and are at home.

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  • Talk with your employer – If you had to take off work because of your hospital stay, there may be some things you have to work out with your employer. If you work an hourly job, you unfortunately might not get paid during the time you were away at the hospital. If you work on salary, you may still get paid, but you will have to talk to your employer about how many more vacation, sick, or personal days you have used during your time in the hospital.
  • Clean up your pantry – When you are just getting out of the hospital, there may be some dietary restrictions that you should abide by. Some foods might be difficult for you to digest, or they may be harmful to your health if you eat them. Be sure to speak with your doctor about what kinds of dietary restrictions you should plan your meals by when you are out of the hospital.

If you are not able to, have a trusted friend or family member go to the grocery store and pick up some fresh fruits, vegetables and other natural foods that will be good for you to eat once you are out of the hospital. Depending on what your diet was like while you were in the hospital, you might want to start out very simple and bland your first few meals home.

  • Care for your mental health – Staying in the hospital can be somewhat of a depressing experience. There are long periods of time in between talking to doctors, taking various tests or exams, and waiting to receive the results of those tests/exams where a hospital patient can find themselves all alone in their hospital room. Being alone for long periods of time like that can cause a major slump in one’s mood, or even full out depression.

Take priority in your mental health when you leave the hospital. Don’t put too much stress on yourself and let those around you know that their love and support is important, especially when it comes to your hospital recovery. If you are able and the weather is permitting, take walks outside often with a friend or family member when you arrive home from the hospital. Getting outside to stretch your legs and feeling the sun should be a great alternative to laying alone in a hospital bed for long periods of time.

  • Make sure you have a payment plan for your hospital stay- Hospital stays can get expensive, but hopefully insurance should cover quite a portion of it. If you are having trouble coming up with the money you need to pay for your hospital stay, you can dip into your savings, take out a loan, or even ask a trusted friend or family member to lend you some money.

Emergency Funding to Help Pay for Pregnancy Healthcare

If you or a loved one is pregnant, you might be wondering about the various kinds of vitamins, medical tests, and other healthcare necessities that go into making sure the baby is happy and healthy through the gestation journey.

The first step is to confirm the pregnancy. If a drugstore home pregnancy test is positive, it is a good idea to go to the doctor and confirm the pregnancy with a blood test. Blood tests are generally far more accurate than store bought pregnancy tests.

While getting ready for a newborn takes both mental and physical strain, it doesn’t have to hurt your wallet.

Here’s some more essential information you will want to know about if you are dealing with a pregnancy or are helping a close friend or family member through their pregnancy.

Tests to Have When During a Pregnancy

During pregnancy, it is important to see a doctor, preferably an obstetrician, about once a month throughout the pregnancy. Here are some important tests to have during a pregnancy.

  • Pap Smear – A pap smear is a very important test, especially if the mother has not had one before or if they have not had one in some time. Upon discovering the pregnancy, it is important to get a pap smear to rule out cervical cancer, or HPV, as these can be extremely harmful to both mother and baby.
  • Ultrasound Screening – Between 8 and 18 weeks of pregnancy, it would be wise to get an ultrasound screening. This will check to make sure the baby is growing properly and can give the mother a more accurate due date. Depending on the development of the baby, the first ultrasound screening can also reveal the sex of the baby. Throughout the duration of the pregnancy, several ultrasound screenings should be had to make sure the baby is continuing to grow in a healthy way.
  • Diabetes and STD tests – During pregnancy, some women develop what is called “gestational diabetes.” This is a form of diabetes that comes on during a pregnancy, and typically goes away after the baby is born. It is also important to get an up-to-date STD test when pregnant to ensure nothing is passed onto the baby.
  • Test for Group B Strep (GBS) – At some point during the pregnancy it is a smart decision to get tested for Group B Strep, also called “GBS.” The healthier the mother is during pregnancy, the healthier the baby will be when it is born.

Important Prenatal Vitamins to Have When Pregnant

Prenatal vitamins are also an important part of pregnancy. Essential vitamins help keep the mother healthy, so she can be a better host for her baby. Prenatal vitamins are rich in folic acid, calcium, iodine, and iron. Here are the benefits of those vitamins:

  • Folic Acid – Folic acid helps prevent neural damage to the baby. The brain and the spine are the center of our nervous system, so it is vital to make sure that the development of the neural tubes goes smoothly.
  • Calcium – Calcium is important for bone density and growth for both mother and baby. When pregnant, the mother needs to keep up her bone density, so she can stay strong. Additionally, the baby will need extra calcium to promote healthy bone growth.
  • Iodine – Iodine is connected to healthy physical growth, proper hearing development, and mental cognitive development of the baby.
  • Iron – oxygen is carried throughout the body via blood. Having a healthy intake of iron helps the blood carry oxygen more efficient for baby and the mother.

How to Pay for Pregnancy Healthcare

When pregnant, insurance can usually cover most of the expenses that it takes to have a healthy pregnancy. But not all insurance plans cover pregnancy. In some cases, temporary pregnancy insurance can be issued to mothers in need of coverage when they are pregnant—but remember this is just for a set period of time.
When in need of additional funding to pay for a pregnancy, title loans may be a favorable option. Car title loans can be a great way to get essential funding without all the hassles that can come with traditional lenders1.

Emergency Cash to Cover Your Child’s Medical Expenses

As a parent, you have enough to deal with when taking care of a sick child. Mounting hospital bills may be the last thing on your mind during times of crisis. Unfortunately, medical expenses tend to pile up, often going unpaid because of the high cost of healthcare these days.

One way to consider paying for your child’s medical expenses is with title loans. Title loans can be fast and easy to receive.

What Influences the Cost of Your Child’s Care

The type of illness that your child has and the length of its course are both factors that effect their medical expenses, as this can mean more expensive and frequent treatments. Follow up care, regular medications, and medical equipment all contribute to your child’s cost of care.

How to Manage the Stress

  • Make a Plan — Creating a practical plan can make the treatment process less overwhelming for you. Break things down in steps and plan things out in advance so that you can feel more in-control of the situation.
  • Consult a Parent’s Support Group — Often these groups are free at community centers and other public service providers. There are even convenient online forums for support.
  • Utilize Hospital Resources — Hospitals have support staff for just this reason including social workers and crisis workers.
  • Rely on Friends and Family for Help — Your friends and family can be great resources in the care of a sick child. Even something as small as a ride to the hospital or a sympathetic ear can make a huge difference in times of need. Remember, you don’t have to handle everything on your own.
  • Take Care of Yourself — In this time of turmoil, your own needs are probably the farthest thing from your mind. Though it’s difficult to think about your own health, your relationships, and your own needs, it’s important to make sure that your needs are met for the sake of your own wellbeing and that of your child.

Coverage Options

  • Public Health Insurance — Some states provide their own subsidized health insurance programs for children who qualify. Medicaid also has its own Children’s Health Insurance Program or CHIP. You can find more information online about any state sponsored coverage or supplemental assistance programs that are affordable or even free.
  • Negotiate Fees with Your Doctor — Negotiating the cost of services or setting up a payment plan with healthcare providers is quite a common practice. You can always negotiate a cash-rate at a reduced price, or tell your child’s doctor that you can only afford to pay a percentage of the procedure. They may even have suggestions for cheaper generic medications or less-expensive procedures. Don’t be afraid to talk to your doctor.
  • Safety-Net Hospitals — Because of the Hill-Burton Act, about 170 hospitals within the U.S. are required to provide low-cost or even free medical services for those in need. You can find more information online, including eligibility requirements and a list of states with safety-net hospitals.

Fundraising Options

Scrambling to raise money can be extremely frustrating, and sometimes it just seems like you don’t have any options. Luckily, you do have some choices when it comes to fundraising and obtaining assistance:

  • Crowdfunding – Crowdfunding sites are great resources for obtaining assistance from your community. They are simple to set up, cost-efficient, and easy to share with friends and family on social media. Because crowdfunding requires very little work, you can definitely combine it with any of these other options.
  • Yard Sale — It’s quite true that one person’s trash is another person’s treasure. We all acquire things that we don’t need. A yard sale is an excellent way to declutter your living space while making some extra cash on the side. You can get creative too. Why not make it a book sale and get friends and neighbors to donate their used books.
  • Bake Sale — Put the fun back in fundraising by organizing a bake sale. You can find plenty of creative and easy recipe ideas on Pinterest, with healthy and allergen-free options. This also provides an awesome opportunity for friends and loved ones to volunteer by donating baked goods and sweet treats.
  • Apply for a Grant — Many hospitals, healthcare organizations, and independent foundations provide families with grants for children’s medical expenses. A Google search of “grants for children’s medical expenses” yields several options for you to consider. You can find a more information as well as applications online.
  • Credit Card — A credit card is a viable quick fix option, as long as you anticipate that you’ll be able to pay the card off before interest accrues. The credit limit, of course, depends on how good your credit score is. So, this may not be the best option for those with poor credit.
  • Personal Loan — A personal loan may be a convenient borrowing option for those with a lower credit score who need money quickly. Title loans may be the perfect solution. Rates are competitive and you can keep your vehicle while paying off the loan1.

Check out our application and see how you can use emergency money from title loans to pay for medical expenses!

Emergency Cash to Pay for Orthodontic Services

Are you in need of orthodontic services but either don’t have insurance or do have insurance but it won’t cover the cost of your treatment? Regardless of your situation, trying to figure out how to pay for orthodontic services can be troublesome.

Here are some common orthodontic procedures you may have to pay for:

  • Braces
  • Headgear/facemask
  • Retainer
  • Space maintainers
  • Aligners
  • Mouth guards
  • Palatal expander

But paying for these services doesn’t have to be hard, especially if you consider getting title loans. In fact, title loans are one of the best ways to get emergency cash for orthodontic services. We can tell you more about title loans after we look at some other options for paying for these services.

How to Pay for Orthodontic Services

Some of the costliest orthodontic services happen to be the most expensive ones. Over 4 million people in the US wear braces, 25% of which are adults. Over 5 million people have used aligners which can cost in the thousands! So, how do you pay for orthodontic services when up to 75% of kids need orthodontic care alone?

Dental Insurance

Having dental insurance has its benefits not only for your regular dentist appointments, but for even more expensive costs like orthodontic services. For you and your family, dental insurance can help cover about 50% of the costs of your treatment (procedure and component). Unfortunately, for treatments that cost thousands of dollars, you are still left with an expensive bill.

Most dental insurance that people use is what is known as 100-80-50 dental coverage.

Let’s break it down to the three parts that matter in this common dental insurance plan:

  • 100: The insurance policy pays 100 percent of routine and diagnostic care.
  • 80: They pay 80 percent for basic dental procedures such as root canals or fillings.
  • 50: The policy pays 50 percent for major dental procedures like bridges and crowns.

Dental insurance coverage also tends to boil down to three varieties:

  • HMO: Known as health maintenance organization, the plan restricts your coverage to a limited network of dentists.
  • PPO: Preferred provider organization plans are very similar to HMO, but give patients the choice to look outside the networks of the coverage. However, patients are also offered reduced rates for doing dental procedures with an in-network dentist.
  • Indemnity plan: Any dentist can be seen with this coverage but picks up a certain percentage of the cost.

But how much will dental insurance cost you? Well depending on the plan, premiums and the scope of your coverage (family or individual) it may seem even more expensive in the long-run, even when saving hundreds in dentist office bills.

Monthly Payment Options

Sometimes your orthodontist’s office will let you set up a payment plan for the remaining balance you have from your treatment. Depending on your orthodontist, some places will let you set your terms, or they make you pay it between a certain amount of pre-chosen payments.

HSA/FSA

Check with your employer to see if they offer an HSA (Health Savings Account)/FSA (Flexible Spending Account) fund. This allows you to use any money saved up with these accounts to pay towards any health or dental bill you may have. It might not cover the entirety of your orthodontic service, but it could help chip away at the balance.

Third-Party Health Care Credit

If you don’t have insurance or you have a remaining balance, you can look into a third-party health care credit program. Upon approval, you could be set up with a payment plan to help pay off your orthodontic costs. Make sure your orthodontist accepts a third-party as payment, and make sure you stay on top of your payments. Otherwise, you could experience an increase in the interest payments.

Credit Card

Depending on the cost of your orthodontic services, you could use a credit card to pay for the balance. For a treatment that is a couple hundred dollars, you could easily use one credit card or a few if you have multiple. Unless you have a great credit score and high credit limit, it may be hard to pay for thousands of dollars in orthodontic work without the right financial support.

Dental Program

If you are near a dental college, you could get your dental work done there for a cheaper price. There might be risks associated with going to a dental program if you need very important orthodontic work done, but it will be significantly less.

Personal Loan

Another way to cover your orthodontic expenses is by taking out a personal loan. You can apply for one at your bank or by using an online resource. If you are concerned about your approval because of your credit score, you could look into loans that use collateral instead of your credit score to determine your approval. We offer auto title loans in exchange for funding that people need1.

Check out our application and see how you can use emergency money from a title loan to pay for orthodontic services!

What You Pay for Orthodontic Services

Orthodontics is a dental specialty to diagnose, treat, and prevent dental and facial irregularities. They treat any age, and are experts in:

  • Anteroposterior – underbite, overbite
  • Overcrowding – common misalignment with teeth
  • Aesthetic issues – the shape of the face is negatively impacted by a dental problem, typically means restructure and realignment of the jaw, lips, and teeth

If you want a straight, perfect smile and you have a few of your teeth misaligned, you’ll most likely have to go to an orthodontist to fix that issue. There are many different types of solutions that orthodontists offer to help: braces, retainers, mouth guards, aligners, etc. If you need one of the more common orthodontic services, these are some of the prices you can expect to pay:

  • Braces

Average cost of metal with/out insurance:            $3,407/$4,937
Average cost of ceramic with/out insurance:         $2,570/$4,572
Average cost of Invisalign with/out insurance:      $3,500-$8000/$5,600
Cost of Lingual (not offered by many):                  $5,000-$13,000

  • Retainer – usually included with overall braces cost for no additional fee

Average cost for removable single/set:                    $150-300/$300-600
Average cost for replacement single/set:                 $70-$250/$140-500 (insurance won’t cover)

  • Aligners

Average cost of aligners with/out insurance:         $1,000-$6,000/$2,000-$8,000

  • Mouth guard

Average cost of mouth guard with/out insurance: $200-$300/$300-500

According to MemberBenefits, here are just some of the average costs for dental procedures. But be warned, many of these costs vary from place to place:

  • Check-ups: Depending on what a common check-up offers at the dentist office, much of this could vary. But in most places, an average check-up costs about $288.
  • Fillings: Most fillings hold steady price ranges as follows– $50 to $150 for a single, silver amalgam filling; $90 to $250 for a single, tooth-colored composite filling; $250 to $4,500 for a single, cast-gold or porcelain filling.
  • Tooth extractions: Sometimes a tooth cannot be repaired and must be surgically or non-surgically removed. In general, these costs tend to use anesthesia. Average tooth removal costs– $75 to $300 for non-surgical, gum-erupted tooth extraction; $150 to $650 for a surgical extraction utilizing anesthesia; $185 to $600 for soft-tissue and complicated surgical extractions; $75 to $200 for wisdom tooth extraction.
  • Root canals: For damaged tooth roots, treatment costs are usually connected to the difficulty of the dental procedure. On average– $120 for a single, exposed root removal procedure, or $185 for a single, residual tooth root removal procedure.

When looking at these costs, consider how title loans may be your best option for fast emergency cash. You can use fast cash from title loans to pay for whatever you need, especially orthodontic services.

Want to know more about title loans? We consider ourselves experts with years of experience in title loans. Check out our application to see how title loans can help pay for your orthodontic services1.

Emergency Cash for Medication, Emergency Medical Equipment, and Procedures Not Covered by Insurance

Are you wondering if the healthcare assistance you need is covered by your insurance provider? It can be shocking just how many medications, emergency medical equipment, and medical procedures are not covered by insurance.

Here are some of the broader medications, emergency medical equipment, and medical procedures that are typically not covered by most insurance companies.

What Medication is Not Covered by Insurance?

If you don’t know if a certain kind of medicine, equipment for medical purposes, or a certain kind of medical procedure is covered in your personal insurance plan, you might want to check with your specific insurance provider.

Sometimes, different medications are covered under certain plans, but not under others. If you want to know if a specific medication you may need is covered by your insurance, you should speak with them directly.

However, many times if a certain medication you are looking for is not covered by insurance, there is a generic brand that is covered by insurance. These generic brands of medication usually perform the same function as the other kinds of medication, but comes at a cheaper cost to both you and the insurance company.

What Emergency Medical Equipment is Not Covered by Insurance?

Again, if you need certain emergency medical equipment, check with your individual insurance provider to see if it is covered by your insurance plan.

Some common medical equipment that may not be covered by insurance is:

  • Stair lift – There are kinds of bone, joint, or muscle damage that can make climbing the stairs extremely difficult. A stair lift can help those people reach all the levels of their home without causing them extreme pain. But a stair lift is not always covered by insurance because it is not always “necessary.” This can be frustrating, especially if you have a home with multiple flights of stairs.
  • Hearing Aids – When people have trouble hearing, they may be able to have a hearing aid put in, so they can be more aware of the sounds around them. But hearing aids are not always covered by insurance plans.
  • Electric Wheel Chairs – Electric wheel chairs can be covered by insurance, but the process to get one paid for can be extremely lengthy and time consuming. There are various required doctor visits that must be had before a person may qualify for an electric wheel chair to be paid for by their insurance. If you are willing to jump through the hoops, this may be a good option for you.

What Medical Procedures are Not Covered by Insurance?

  • Blepharoplasty – This procedure is essentially an eye lift. But contrary to popular belief, an eye lift isn’t always just for cosmetic purposes. As people get older, sometimes their upper eye lids can start to sag, and even make it difficult to see. The upper eyelid skin can sag enough to also push the eyelashes downward where they can also obstruct ones vision. A blepharoplasty can help people see better, drive more safely, and have more control over the use of their eyes.
  • Lasik – Lasik surgery is a laser treatment to the eyeballs that can eliminate the need for glasses or contacts. The reason that Lasik surgery is not covered by most insurance companies is that it is not a “necessary” procedure. To most insurance companies, glasses and contact make the need for Lasik nonexistent.
  • Infertility Treatment – Infertility treatment is also something that is not usually covered by insurance plans. It is not necessary to have a baby, even though many people dream of having children all their lives. Unfortunately, infertility treatment is an expensive endeavor that is typically not covered by insurance.

How to pay for medication, emergency medical equipment, and procedures that are not covered by insurance

When you have health needs that are not covered by your insurance provider, things can seem daunting. Here are a few tips on how to make some extra money so you can pay for the medicine, equipment, or procedures you may need that might not be covered by your insurance company.

  • Get a second job – Working on the weekends or for a few hours after your regular job might be a great way to bring in some extra cash. That way, you can dedicate all the funds you earn from your second job to your medical expenses and not have to touch the money you have regularly coming in from a main job.
  • Sell your old things – They say that one person’s trash is another person’s treasure, and that could be true for that stuff you may have just sitting around! You can sell your things through the LetGo app, through Facebook market, on Ebay, or even on Amazon—if you would like to sell your things electronically. You could also have a garage sale and sell your things to people in person.
  • Cook at home instead of eating out – Cooking at home instead of eating out for your meals can actually save you money that you could use to pay for your medical expenses. When you cook at home, there is a chance you may have leftovers—which you can eat as another meal. When you eat out, you have to purchase each of your meals individually, and you might not have enough left for another meal later on. Save money by buying groceries once a week instead of purchasing your meals multiple times a day.

When in need of additional funding for medical expenses, title loans may be a favorable option. Car title loans can be a great way to get essential funding without all the hassles that can come with traditional lenders.

One of the best things about car title loans is that they are fast and efficient. You could even receive your car title loan funding as soon as the next business day3!

Check out our application and see how you can use emergency money with title loans to pay for medical expenses!

Sources:

https://newsroom.uhc.com/news-releases/child-medical-grants.html

https://www.aubreyrose.org/financial-assistance-for-families.html

https://www.uhccf.org/

https://kidshealth.org/en/parents/seriously-ill.html

https://www.medicaid.gov/chip/index.html

https://www.illinois.gov/hfs/MedicalPrograms/AllKids/Pages/about.aspx

https://kidshealth.org/en/parents/find-care.html

https://www.hrsa.gov/get-health-care/affordable/hill-burton/index.html

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