This is what I did to manage my family’s medical expenses

Despite rolling out different healthcare plans by the government, medical expenses still claim a heavy chunk of our income. Who knows it better than a woman who has two kids? Well, my husband and I were already fighting with our out-of-pocket medical expenses, as I am asthmatic and my husband suffers from high blood pressure. And the day our first child was born, our medical bills mounted. Just imagine how we managed when our second born was brought into the mix.

While flipping through a famous health magazine one day, I realized that we were not alone in this struggle. A study was done by the American Journal of Medicine, which stated that in 2007, 62.1% of all American bankruptcies were medical-related. This shows that a lot of people have trouble with their medical expenses.

So, what does it mean? Is there no way out? Certainly, it has. Taking some actions wisely can help you in managing your out-of-pocket medical expenses. This is what my husband and I did, just to save our hard-earned money.

Choose an affordable patient financing plan: Undoubtedly, decoding a healthcare financing plan is a task. Due to complex terms and conditions, we hardly notice them and miss out on the important clauses. There are hidden charges and sometimes, many medical treatments and procedures are not covered by certain healthcare financing & lending solutions. Hence, comes the need of the hour, to choose the enhanced patient financing plan, that promises to cover all healthcare treatments with no hidden fees and clauses. Also, check out for the rate of interest they impose.

Go for in-network providers: Choose the patient financing options that work with your practice or with the hospitals (like who have contracts with hospitals and doctors). Your practice can guide you for the best option. In case you choose an out-of-network provider, chances are that you will end up paying much higher than the actual cost. The reasons can be many, from a higher rate of interest to high deductibles.

Thoroughly review your medical bills: If you have a habit of tossing your medical bills in the trash, then it’s time you consider them for review. Read thoroughly each line item before you agree to pay the billed amount. If you don’t understand your bill, ask for a breakdown. Never forget to check your bills for calculation errors.

Online research is a must: Do thorough online research. Compare different medical payment plans. Once you do the comparison, you know the best patient financing plan you can opt for your and your family’s medical expenses.

Establish a relationship with your practice: This is important for your future medical treatments and expenses. Building a relationship with the doctor can also help you in getting a better understanding of healthcare patient financing. And you get to choose the best one.

The patient financing plan that helped us

Trust me, after research and talking to our practice, we found the most feasible patient financing plan. Denefits patient financing helped us with all our medical expenses. Where all other healthcare financing companies judge you on the basis of your credit score, Denefits patient financing runs no credit check! You get instantly approved. And on top of it, you get to pay in monthly or yearly installments, as per your convenience. All our out-of-pocket medical expenses are now easily managed. Also, it gives you an option to choose the practice. If your doctor doesn’t have Denefits patient financing, you can call their customer care and get your practice on board. 

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Enhanced dental patient financing options for Orthodontic treatments

Orthodontics is formerly referred to as orthodontia. This branch of dentistry deals with the diagnosis and correction of malpositioned teeth or jaws. Orthodontists specialize in giving patients the beautiful smiles by straightening their teeth. But many patients can not afford the recommended procedures due to involved high costs. Moreover, these procedures are considered cosmetic, so they are generally not covered by most insurance companies. But all that was a thing of the past. Denefits dental patient financing can pave the way for your patients getting the beautiful smiles they deserve. Denefits financing for dental work removes the barrier of treatment costs and lets you finance all your patients, who are seeking a financing option.

Enhanced payment plan options for dental care

“A healthy smile can say a thousand words and it’s the best cosmetic that one can have. 

Use Denefits dental financing for patients for dental braces and help your patients smile, forever”.

Denefits - Financing Any Customer

The first stage of an orthodontic treatment starts with the assessment of the state of your teeth and how they're likely to develop. This process usually requires X-rays, plaster models, and photographs of your teeth. Once the complete picture emerges, your service provider can choose the best method for dental corrections. 

There are many types of orthodontic treatments available depending upon the intensity of your problems.  For instance, your orthodontist can recommend either fixed appliances (like braces, special fixed appliances, & fixed space maintainers) or removable appliances (like aligners, jaw repositioning appliances, palatal expander, removable retainers, & headgear). 

However, in everyday experience, most people are not able to consult orthodontists due to associated high treatment costs. Such avoidance or delay in the desired orthodontic treatments keeps the patines away from bearing a beautiful smile that they wish to have. Hence, it is always recommended to opt for affordable dental financing for patients.  

The average cost of Orthodontic Treatments

The orthodontic procedures and treatments include Bonding, Braces, Panoramic X-Rays, etc. The average costs of some of these procedures are as below.

Bonding – $300 to $600 per tooth

Braces – $4000 to $6000

Panoramic X rays – $60 to $150

Straightening crooked teeth - $3,500 to $8,500

Treating an improper bite: $2,000 to $4,000

How can Denefits help you in orthodontic financing?

Denefits dental financing for patients can help you to get the desired oral surgeries. Denefits makes paying for out-of-pocket expenses a lot easier. Unlike traditional financing, Denefits payment plans are a great way for patients who wish to afford oral surgeries. Denefits dental financing options for patients ensure instant processing, 100% approval, dental financing with no credit checks, NO hidden fees, low-interest rate, flexible financing terms, and letting the patient's loved ones be their helping hand (through our Social Healthcare Payments™ option, patients can raise funds for their medical bills). With Denefits payment plans, patients receive dental care when they need it, and pay you in monthly affordable payments. Your practice revenue rises as you get to retain more patients. 

Finance All your Procedures with Denefits 

With Denefits payment plans for dental work, you can finance your patients for any treatment or procedure you offer. You can get financed for all the medical tests, procedures & treatments offered by your provider with Denefits payment plans. With Denefits dental surgery financing, you can finance your patients for any medical test or procedures you offer. Here is a list of common tests or procedures that most Orthodontists use Denefits for, to finance their patients for their financing needs.

• Adjustments
• Aligning the tips of the teeth
• Asymmetrical teeth
• Bonding
• Boosting the long-term health of gums and teeth
• Braces
• Closing wide gaps between the teeth
• Crossbite
• Crowding
• Impacted teeth
• Impressions
• Improving speech or chewing ability
• Misplaced midline
• Open bite 
• Overbite or "buck teeth" 
• Panoramic X-Rays
• Preventing long-term excessive wear or trauma of the teeth
• Protruding front teeth
• Spacing 
• Straightening crooked teeth
• Treating an improper bite
• Underbite
• Wax Bite
• Also, many more

Affording your orthodontic treatment was never easier before. Now you can get financed for all the procedures & treatments offered by your dentist with Denefits payment plans for dental visits.

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Healthcare Financing Company in the US for Bone Cancer Treatment

Financial aspects of bone cancer treatment 

Cost analysis of bone cancer is a crucial aspect. During the progress of treatment, methods like chemoradiation, chemotherapy, radiation, and supportive care can lead to heavy medical bills. Bone cancer treatment is expensive. On average, the cost of medical intervention can range from $34,000 to $75,000 (USD). Its cost differs depending on the stage, and it can put a significant toll on your wallet. The average price of surgery, chemotherapy, and radiation therapy ranges between $20,000 to $100,000 or more, depending upon the stage of bone cancer. Even though most of these clinical costs are supported by healthcare insurance, but patients still end up paying large out-of-pocket medical bills and copays. Hence, it is always advised to turn to top healthcare financing companies in the US.

Denefits patient financing help to get through bone cancer treatment 

With Denefits medical financing for bad credit, you need not worry about the cost of bone cancer treatment. Unlike, medical loan financing and healthcare insurance, Denefits finances the out-of-pocket costs of bone cancer treatment, and you can repay in affordable monthly payments. Denefits installment payment plans finance all the medical tests, procedures, and treatments offered by your healthcare provider.

“Applicants can now bear the full cost of bone cancer treatment with Denefits Patient Financing. 

Denefits assures an instant approval and 100% acceptance rate with NO Credit Checks.

Patients can choose the amount and time to repay as per their convenience.  

Also, patients get the liberty to pick the practitioner of their choice”. 

Denefits - Financing Any Customer

Bone cancer - What is bone cancer?

Bone cancer starts with the unchecked proliferation of the cells (osteocytes) that make the bone. The bone tumors are of two types viz. benign (non-cancerous) and metastatic. As benign tumors do not spread to other vital organs, they are not life-threatening and can be removed with surgery. However, metastatic cancer poses a real threat as it can disturb the harmony of the neighboring tissues. 

Causes and symptoms of bone cancer - How do I know if I have bone cancer?

Like many other types of cancer, the underlying causes of bone cancer are yet unknown. However, oncologists work with hereditary factors and radiation exposure. The common symptoms of bone cancer are constant pain, swelling, fractures, and body fatigue.

Stages of bone cancer - Are there any stages of bone cancer? 

Stage-I bone cancer -   At stage I, the bone cancer remains constrained to less than 8 cm. There is no spread to the local tissues/ organs. Here, the proliferation of cancerous cells is low.

Stage-II bone cancer -  In this stage of bone cancer, the size of the tumors remains limited as in stage one. However, the proliferation of cancerous cell escalates.

Stage-III  bone cancer -  At stage III, the rate of proliferation remains escalated, and tumors can be found at multiple locations in a single site.

Stage-IV bone cancer -  Size of the tumors increases with the advancement of cancer stages, and it spreads to the nearby organs, and the cancer cell proliferation rates remain high.

Treatment advances for bone cancer (Stage I, II, III, and IV)

In this medical condition, the line of treatment varies in terms of the cancer type, location, and stage. In general, bone cancer treatment includes surgery, radiation therapy, and chemotherapy. Surgery aims at removing the tumors and surrounding infected tissues. The radiation therapy is applied to destabilize the DNA of cancer proliferation, and the chemotherapy destroys the cancer cells. A combined approach of all the above lines of treatment is used to address the bone cancer.

Why Denefits patient financing options?

Denefits medical financing options ensure instant processing, 100% approval rate, patient financing for poor credit, NO hidden fees, low-interest rate, flexible financing terms, and letting the patient's loved ones be their helping hand (Through our Social Healthcare Payments™ option, patients can raise funds for their medical bills).

A checklist of the advantages of Denefits healthcare financing & lending solutions: -

• Improved patient satisfaction
• Flexibility and Transparency
• No prepayment penalties
• Can pay medical bills without insurance
• Enhanced patients experience
• No Credit Checks
• Consumer-friendly digital payment system
• Flexible financing terms
• Denefits patient financing is better from a personal loan
• Increased patients’ affordability 
• Instant approval
• Personalized financial experience
• Fundraising through social media
• Ideal platform for low-income holders
• Empower consumers

Summary: Denefits patient financing options

Denefits patient financing options are free from both hard and soft credit checks. Our payment plans are available with flexible financing terms. We ensure a 100% approval rate. Our policies are fully transparent, and there are NO hidden fees. When the traditional healthcare financing options fail to fulfill your medical financing needs, Denefits can help you to get through your hard times.

Along with that, Denefits also has a unique feature of Social Healthcare Payments™, which can be used by the patients to raise funds for their medical bills. With our value-based services, we are sure to have a long term and fruitful relationship.

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Lasik Surgery: Before, during, and after eye care

Of the five sensory organs, our eyes are considered as extremely developed sensitive organ. Experts say that our brain reacts more to what we see rather than other sensory organs. But in the mad rush of doing everything and anything, we tend to take our eye health for granted. And we realize it only when we face vision problems. A few eye issues can be treated by taking some preventive methods. For instance, regular diabetes and sugar check, exercising more frequently, protecting eyes from harmful UV rays, and eating a balanced/ healthy diet. But, in case you develop serious eye problems, Lasik surgery is recommended by an ophthalmologist. Lasik Surgery is performed to correct a few refractive errors, such as nearsightedness, farsightedness, astigmatism, or bifocal vision. However, before and after Lasik surgery, some precautions are recommended by the surgeon.

Before the surgery

Before Lasik, an eye examination is performed to determine if the patient is fit for the surgery. It is advised that before Lasik surgery, the patient should stop wearing soft contact lenses at least before two weeks of the surgery. And for hard lenses, the patient should discontinue wearing them for four weeks prior to the surgery. A day before the surgery, the patient should not wear makeup or apply lotion.

Precautionary measures during the surgery

Lasik surgery lasts for approximately 30 minutes. Your surgeon instructs you before performing the surgery, and you ought to follow them. Once the surgery is performed, your surgeon places a shield over your eye and you should only remove it as instructed by the surgeon. Avoid working on the day of the surgery.

After the surgery

You may experience pain in your eye but avoid rubbing or touching it. Take rest and avoid working on the computer or going to your work for a few days or as instructed by your surgeon. In case the pain becomes unbearable, immediately contact your surgeon.

What is the cost of LASIK surgery in the US

The average cost of LASIK surgery in the US is about $2000- $3000 (per eye). This cost of eye surgery varies due to several factors like the experience/ reputation of your surgeon and the usage of the advanced technologies (custom LASIK that employs wavefront technology).

Can’t afford the cost of your LASIK surgery?

Get an enhanced patient financing plan. Lasik Surgery might cost you more than you expect. Hence, it is recommended to opt for smart patient financing options.

Denefits payment plan options can help you. Denefits is the best healthcare financing company in the US. We offer payment plan options for LASIK surgeries and eye care treatments of all ranges. Our medical financing for patients is free from credit checks, and we process the patient's application instantly. Opting for traditional medical loans was the thing of the past. It is a fact. The hard qualifying criteria and inflexible financing terms have forced the patients to look for alternative financing options. So, opt for Denefits affordable payment plans to get treatment for your eye health.   

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Here’s why excessive social media is bad for mental health

Think of a social media platform where you haven’t marked your presence yet. Must be, on all. In fact, most of the time, we are found either scrolling the newsfeed or hovering on one or the other social networking site. Now with just one click, we can connect to anyone, anywhere in the world. It has definitely made our lives easy but at the same time, has impacted our mental health and peace. We think we are more connected, but the truth is, we have become most isolated.

Many studies have linked excessive social media usage to anxiety, depression, mental instability, impacted self-esteem, and so on. And it is believed that people who feel lonely are more likely to use social media sites as they find these platforms as an easy way of reaching out to people.

How social media harms mental health

Low self-esteem: Excessive use of social media impacts our self-esteem. Experts say that when we scroll through the feeds or posts, we tend to compare our own lives with those who have posted their picture-perfect images. This makes us feel sad and depressed.

Disturbed sleep: We are so much engrossed in using social media websites that we have forgotten our sleeping pattern. Before sleeping, we scroll through our cell phones, which in turn, disturbs our sleep. Experts say that bright screen light of cellphones impacts the production of melatonin and we feel tired all the time.

Losing human connection: With the dramatic rise of social media, we have lost human connection. We get so busy with our cell phones that we forget to pay attention to those who are around us.

Impact on mental health: Using social media sites in excess seriously harm our mental health. Many studies have indicated that excessive usage harms our overall well being. It can be responsible for causing anxiety, depression, many other health conditions.

You can be a victim of cyberbullying: Not just the personal posts but there are many sensitive issues that are being discussed on social media. These discussions, many times, get converted into arguments. The comments can be sentimental and hurtful. In some cases, it has been found that victims of cyberbullying, especially youth, are more susceptible to substance abuse.

On one hand, where the digital era has proved to be a boon, on the other hand, its mindless usage has become dangerous. We all are well aware that excessive usage is disturbing our mental peace and impacting our lives. Social media marketing should be used responsibly and wisely. Remember, it’s a human invention, it should not overpower us.

If you are also a victim of depression and want to consult a psychologist, Denefits can help you. Denefits is the best healthcare financing company in the US. We offer payment plan options for medical and psychological treatments of all ranges. Our medical financing for patients is free from credit checks and we process the application instantly. Opting for traditional medical loans was the thing of the past. It is a fact. The hard qualifying criteria and inflexible financing terms have forced the patients to look for alternative financing options. So, opt for Denefits affordable payment plans to get treatment for your mental health. 

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