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-7"> <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/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-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/10-great-side-jobs-for-extroverts">10 Great Side Jobs for Extroverts</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-ways-the-sandwich-generation-can-get-ahead">6 Ways the Sandwich Generation Can Get Ahead</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 “magic wand” 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’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’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 “annual” 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 – 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’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> <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-2"> <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-deal-with-collection-agencies">How to Deal With Collection Agencies</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/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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/why-you-can-t-stick-with-a-budget">Why You Can&#039;t Stick with a Budget</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/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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-bailbondsman-approach-why-some-of-us-stay-broke">The Bailbondsman Approach: Why Some Of Us Stay Broke</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-5"> <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/7-personal-finance-tips-for-animal-lovers">7 Personal Finance Tips for Animal Lovers</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-homemade-pet-products-that-are-cheaper-and-better-than-store-bought">7 Homemade Pet Products That Are Cheaper and Better Than Store Bought</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/pet-peeves-part-2-good-grooming">Pet Peeves Part 2: Good Grooming</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/4-pet-expenses-that-arent-worth-it">4 Pet Expenses That Aren&#039;t Worth It</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