hospital http://www.wisebread.com/taxonomy/term/3242/all en-US Best Money Tips: Bringing Home Baby Without Breaking the Budget http://www.wisebread.com/best-money-tips-bringing-home-baby-without-breaking-the-budget <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-bringing-home-baby-without-breaking-the-budget" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/3282474969_ab69bfea95_z-1.jpg" alt="Bringing Home Baby Without Breaking the Budget" title="Bringing Home Baby Without Breaking the Budget" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on bringing home baby without breaking the budget, going to the movies for cheap, and veterans day free meals.</p> <h2>Top 5 Articles</h2> <p><a href="http://moneyning.com/kids-and-money/bringing-home-baby-without-breaking-the-budget/">Bringing Home Baby (Without Breaking the Budget)</a> &mdash; Don't let the hospital overcharge you for things like mouthwash or shampoo when you go in to deliver your baby. Bring your own! [MoneyNing]</p> <p><a href="http://www.savvysugar.com/How-Go-Movies-Cheap-12187346">How To Go To The Movies For Cheap</a> &mdash; To save money on movie tickets, buy them in bulk. [SavvySugar]</p> <p><a href="http://cashmoneylife.com/veterans-day-free-meals/">2012 Veterans Day Free Meals</a> &mdash; If you are a veteran, head to Sizzler or Chili's for a free meal on Veterans Day. [Cash Money Life]</p> <p><a href="http://www.thedigeratilife.com/blog/working-for-yourself/">5 Benefits of Working For Yourself (Online Business)</a> &mdash; When you work for yourself, you can claim quite a few tax deductions you wouldn't be able to claim if you worked for someone else. [The Digerati Life]</p> <p><a href="http://www.threethriftyguys.com/2012/11/10-ways-to-save-money-on-fixed-expenses/">10 Ways to Save Money on Fixed Expenses</a> &mdash; Save money on electricity by switching to fluorescent bulbs and keep your shades drawn during the summer. [Three Thrifty Guys]</p> <h2>Other Essential Reading</h2> <p><a href="http://www.stackthechips.com/5-steps-to-follow-when-paying-off-debt/">5 Steps To Follow When Paying Off Debt</a> &mdash; Want to pay off your debt? Stop building new debt and tackle one debt at a time. [Stack The Chips]</p> <p><a href="http://personaldividends.com/how-to-retire-early/">How to Retire Early</a> &mdash; If you want to retire early, keep your basic living costs low. [Personal Dividends]</p> <p><a href="http://amateurassetallocator.com/2012/11/05/5-things-i-wish-i-knew-about-money-when-i-was-20/?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+AmateurAssetAllocator+%28Amateur+Asset+Allocator%29">5 Things I Wish I Knew About Money When I Was 20</a> &mdash; In your 20's, remember that material possessions aren't everything. Too much stuff will drag you down. [Amateur Asset Allocator]</p> <p><a href="http://money.cnn.com/gallery/pf/2012/11/01/top-paying-jobs/index.html">Top-paying jobs</a> &mdash; Dentists and software architects have some of the top paying jobs in America. [CNNMoney]</p> <p><a href="http://parentingsquad.com/camping-101-tips-and-survival-strategies-for-not-so-outdoorsy-parents">12 Camping Survival Strategies for Not-So-Outdoorsy Parents</a> &mdash; Getting the right gear and packing for comfort can help make camping easier for not-so-outdoorsy parents. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-bringing-home-baby-without-breaking-the-budget">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-12"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/24-tips-for-having-a-baby-without-going-broke">24 Tips for Having a Baby Without Going Broke</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-easy-ways-to-make-room-for-baby">5 Easy Ways to Make Room for Baby</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-newborn-costs-that-took-me-by-surprise">10 Newborn Costs That Took Me by Surprise</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/buy-baby-bunting-but-dont-pay-full-price">Buy Baby Bunting... But don&#039;t pay full price!</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/25-new-things-to-do-today">25 New Things to Do Today</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle baby best money tips hospital newborn Tue, 06 Nov 2012 10:36:48 +0000 Ashley Jacobs 955600 at http://www.wisebread.com How to Erase Your Medical Debt http://www.wisebread.com/how-to-erase-your-medical-debt <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-erase-your-medical-debt" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/bills.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="206" /></a> </div> </div> </div> <p>As most of you know, the cost of healthcare in the United States is outrageous!<span> </span>(<em><a href="http://www.sicko-themovie.com/">Sicko</a>, </em>anyone?)<span> </span>For those lucky enough to have good medical insurance, an illness or an injury does not become a financial burden.<span> </span>However, for those without insurance or with sub par insurance plans, a seemingly small injury can quickly turn in to an emotional and financial ordeal. Interestingly enough, one of the best-kept secrets in the healthcare industry is that there are financial and charitable aid programs available to alleviate the financial burden caused by medical expenses.</p> <p class="MsoNormal">Almost every hospital has a charitable or financial aid department associated with the billing and collections office.<span> </span>With out getting into the particulars, the financial aid department has a &ldquo;magic wand&rdquo; that can erase some, if not all, of your medical bills.</p> <p class="MsoNormal">&nbsp;</p> <p class="MsoNormal"><strong>Who qualifies for medical financial aid?</strong><br /> To qualify for 100% elimination of your medical bills, most hospitals require that your annual income does not exceed 200% of the <a href="http://www.liheap.ncat.org/profiles/povertytables/FY2007/popstate.htm">federal poverty level</a>.<span> </span>If your income exceeds set limits, you can usually qualify for reduced financial aid.</p> <p class="MsoNormal">Additionally, if you earn an income well over the federal poverty level, but a medical disaster creates bills that exceed a certain percentage of your income, then the financial aid department will usually offer aid to cover some of your bills.<span> </span>Most hospitals set a limit of medical debt-to-income ratio of 30%. <span> </span>If your medical bills exceed your income by 30%, most financial aid departments will pay for the portion of your bills over 30%.</p> <p class="MsoNormal">The catch with receiving aid from a hospital&rsquo;s financial aid department is that you have to exhaust all other available resources.<span> </span>First, you must utilize your insurance, if you have any.<span> </span>Second, you must apply for and use any other public medical benefits.<span> </span>If you still have medical bills after exhausting other resources, then the hospital&rsquo;s financial aid department will consider your application.</p> <p class="MsoNormal">&nbsp;</p> <p class="MsoNormal"><strong>How to you apply for medical financial aid?</strong><br /> The easiest way to find out if your hospital has a financial aid department is to ask.<span> </span>Call or stop by the billing office to inquire about financial aid for your medical bill.</p> <p class="MsoNormal">You will usually be required to submit proofs of income for the 12 months preceding your medical care.<span> </span>This is how they will calculate your &ldquo;annual&rdquo; income.</p> <p class="MsoNormal">You will also be required to list you assets.<span> </span>The financial aid department will want to know whether you have money in savings, checking, a certificate of deposit (CD), Individual Retirement Accounts (IRAs), trust funds, or equity in real estate that is not your primary residence.<span> </span>Most hospitals will require a statement from your financial institution detailing your assets.</p> <p class="MsoNormal">If you do not have a job or assets, you will need to sign an affidavit indicating this.<span> </span></p> <p class="MsoNormal">&nbsp;</p> <p class="MsoNormal"><strong>When should I apply for aid?</strong><br /> As soon as possible!<span> </span>Most hospitals have a relatively short time limit (6 &ndash; 12 months) for applying for aid.<span> </span></p> <p class="MsoNormal">&nbsp;</p> <p class="MsoNormal"><strong>This sounds difficult and like a lot of paperwork.</strong><br /> It may take some time to fill out the paperwork and gather all of your supporting documentation, but a few hours of work could erase thousands of dollars of medical debt.<span> </span>Plus, you never know until you try. <span> </span><span> </span><span> </span></p> <p class="MsoNormal">I recently had a client who had $75,000+ of medical debt.<span> </span>(Yes, she gave me her permission to write about her.)<span> </span>This client went to the hospital&rsquo;s financial aid department on Monday, gathered her supporting paperwork and documentation on Tuesday, submitted her forms on Wednesday, and had her medical debt erased by the following Tuesday.<span> </span>With 5 total hours of work, she was able to have $75,000+ in medical debt erased.<span> </span>Not only was a financial burden lifted off her shoulders, but an emotional burden was lifted too.<span> </span></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-erase-your-medical-debt&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Erase%2520Your%2520Medical%2520Debt.jpg&amp;description=How%20to%20Erase%20Your%20Medical%20Debt"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Erase%20Your%20Medical%20Debt.jpg" alt="How to Erase Your Medical Debt" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jessica-harp">Jessica Harp</a> of <a href="http://www.wisebread.com/how-to-erase-your-medical-debt">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-back-on-track-when-youre-behind-on-your-bills">How to Get Back on Track When You&#039;re Behind on Your Bills</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/do-we-really-need-help-in-getting-more-debt">Do we really need help with getting more debt?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-steps-to-take-when-you-have-more-bills-than-income">6 Steps to Take When You Have More Bills Than Income</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-champion-of-savings-over-spending">A champion of savings over spending</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-does-the-fannie-mae-and-freddie-mac-bailout-affect-you">How does the Fannie Mae and Freddie Mac bailout affect you?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Consumer Affairs Debt Management bills debt hospital medical debt Wed, 15 Aug 2007 19:55:55 +0000 Jessica Harp 1009 at http://www.wisebread.com Pet Peeves Part 3: Vet Visits http://www.wisebread.com/pet-peeves-part-3-vet-visits <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/wisebread_imce/kitten.jpg" alt="http://www.morguefile.com/forum/profile.php?username=seabreeze&amp;MORGUEFILE=90pv7lqva2471egn0hve7sbbl0" title="by Simon Jackson" width="283" height="188" /></p> <p>My animals are a pricey bunch. Cute, and sweet, but medically challenged. Between facial fold issues, allergies to grass (seriously, what kind of dog is allergic to <em>grass</em>?), and a cat with apparent manic depression, we&#39;ve spent a lot of time at the vet&#39;s office, at a few hundred bucks a pop. </p> <p>The last thing that my dog managed to come down with was a grass seed between his toes. He never gave any sign of distress, and I only noticed it when the other dog started sniffing at the wound. Apparently this is common, and you probably won&#39;t see it until it swells up and starts bleeding.</p> <p>The thing is, most of my animals&#39; health issues are annoying and probably painful, but not deadly. And they always occur on a Saturday night, meaning that I have to wait until Monday morning to get them seen by a vet, unless I want to take the to the emergency hospital, which is twice the price of the regular vet.</p> <p>I&#39;ve stopped going to the emergency hospital because I&#39;ve learned to combat pet problems, at least the ones that send us to the emergency room, by being prepared.</p> <p class="sub-heading"><strong>Ounce of prevention, pound of cure </strong></p> <p>Here&#39;s a list of things that I keep on hand to keep my animals out of the vet&#39;s office:</p> <ul> <li>A solid pair of <strong>rubber gloves</strong>, especially if you have to peform some first aid on a cat. Cats don&#39;t like you trying to fix them. Actually, cats just don&#39;t like you. Nothing personal. They&#39;re cats.</li> <p> <li>A regular <strong>first aid kit</strong> can do wonders, if you don&#39;t want to go to the trouble of buying gauze and butterfly bandages separately.</li> <p> <li>Good pair of <strong>tweezers</strong>, for removing ticks, pulling out splinters, etc.</li> <p> <li>One of those <strong>head-cones</strong>. You never know when you&#39;re going to have to stop your dog from chewing on his butt or licking a wound. Yes, he will look stupid running around the house with one of those things on. Too damn bad.</li> <p> <li><strong>Baby wipes</strong>. I think anyone who is alive should keep these onhand, pets or no pets. They are incredibly handy.</li> <p> <li><strong>Neosporin</strong>, for small scrapes and scratches.</li> <p> <li><strong>Skin-cooling spray</strong> or cream. Hydrocortisone is good, or you can use something with soothing chamomile. Scalpicin works fine, too.</li> <p> <li><strong>Hydorgen peroxide</strong>, for cleaning small wounds, such as the ones caused by an exiting grass seed.</li> <p> <li>A damn good pair of <strong>electric clippers</strong>, for trimming the hair around a wounded area.</li> <p> <li><strong>Pepto-Bismol tablets</strong>, for diarrhea. I give two to each dog almost anytime they get runny. Also, egg yolks and yogurt, which are eaten by adventurers the world over to combat traveler&#39;s diarrhea, are a great way to plug up a pooch that has a slight stomach upset, as long as you feel that the source of the upset isn&#39;t dangerous. For instance, switching (non-contaminated) food brands. Don&#39;t get the idea that you can give your pets <a href="http://www.peteducation.com/article.cfm?cls=0&amp;cat=2041&amp;articleid=3473">any kind of human medication</a>, because you can&#39;t. </li> <p> <li>Particularly flatulent mutts can be treated with <strong>sweet potatoes</strong>, according to <a href="http://www.itchmo.com/read/home-remedies-for-your-pets_20070330">this home remedy</a> from Itchmo.</li> <p> <li><strong>Flea shampoo</strong> and flea treatments. I don&#39;t use these as regularly as some people do, but I keep them around, just in case an infestation occurs. It&#39;s very rare for us, but good to be ready if it happens.</li> <p> <li><strong>Pet meds</strong>. If your pet regularly takes medication, don&#39;t fall behind in providing them. It can mean the difference between happy and healthy, and sitting at the pet hospital at 3AM and <a href="/canadians-try-to-kill-your-pets-pet-food-recall#comment-11224">getting angry at bloggers</a>. [Not that I&#39;m suggesting the Kirk wasn&#39;t giving his dog his meds or anything.]</li> <p> <li>My vet recommends <strong>Benadryl</strong> for the times when my shih tzu has a massive allergy attack. Most human meds aren&#39;t good for dogs, and you should obviously check with yours before giving anything to your dog. Benadryl seems to be widely accepted for allergy treatments, however.</li> <p> <li><strong>Treats</strong>. Dogs (and some cats) will forgive you for popping a huge cyst on their foot if a treat immediately follows.</li> <p> <li>Lots and lots of <strong>towels</strong>. You can never have too many towels.</li> </ul> <p class="sub-heading"><strong>Pet Insurance</strong></p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/wisebread_imce/animal_kingdom_harmony.jpg" alt=" " width="299" height="197" /></p> <p>The discussion over pet insurance is a long and tedious one, and I can&#39;t crunch the numbers for anyone else. Since pet insurance doesn&#39;t cover any pre-existing conditions, I haven&#39;t seen any reason to buy it (for my two pups, it would cost me roughly $100 a month with zero coverage of their current problems). I know that very serious diseases can be a problem later on, but I&#39;ve already decided that I&#39;m not going to let me dogs suffer through harsh treatments for something like cancer. That&#39;s my personal decision, and I don&#39;t expect anyone to agree with it.</p> <p><em>Kitten picture by </em><a href="http://www.morguefile.com/forum/profile.php?username=seabreeze&amp;MORGUEFILE=90pv7lqva2471egn0hve7sbbl0"><em>Simon Jackson</em></a><em>.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-karim">Andrea Karim</a> of <a href="http://www.wisebread.com/pet-peeves-part-3-vet-visits">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/pet-peeves-part-1-couture-critters-are-expensive">Pet Peeves Part 1: Couture Critters Are Expensive!</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-400-a-week-as-a-pet-sitter">How to Make $400+ a Week as a Pet Sitter</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-things-you-need-to-know-about-pet-insurance">7 Things You Need to Know About Pet Insurance</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-surprising-ways-your-dog-can-save-you-money">5 Surprising Ways Your Dog Can Save You Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-pet-expenses-you-should-never-skip">6 Pet Expenses You Should Never Skip</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Allergies bladder canine cats common problems dogs feline hospital ill pets sick sickness vet veterinary Wed, 04 Apr 2007 17:36:18 +0000 Andrea Karim 450 at http://www.wisebread.com