Affordable Veterinary Financing with Denefits

Increasing pet ownership has eventually raised the demand for veterinary services. With the advancement of technology and veterinary medicine, it has not only enabled veterinarians to get enhanced tools that can be performed for specialized medical procedures but also the lifespan of the pets has lengthened. Considering the advancements, it has been forecasted that over a span of five years, industry revenue is likely to increase. These industries include pet health insurance companies, pet health care services, and veterinary services. 

What is included in the Veterinary Service industry? 

Veterinary service: Industrial definition According to the Industrial definition, the veterinary services industry includes licensed veterinary practitioners. These practitioners provide health care services to the pets that include dental, medical or surgical treatment for pets/animals. The veterinary service industry also includes laboratories and diagnostic testing services. 

Industrial Products and Services and Industrial Activities 

When we talk about industrial products and services, it includes: 

• Pet grooming services 
• Surgical treatments 
• Nonsurgical treatments 
• Merchandise sales 
• Laboratory services 
• Boarding services 
• Routine examinations 

For industry activities, the following services are included: 

• Animal disease testing 
• Operating veterinary surgeons' offices 
• Performing animal vaccinations 
• Operating veterinary clinics 
• Operating veterinary testing laboratories 
• Providing livestock veterinary services 
• Providing small animal veterinary services 
• Livestock inspecting and testing 
• Operating animal hospitals  

How important it is to get Veterinary Care Financing? 

As discussed that veterinary services are increasingly on-demand, due to lengthened lives and increased pet ownership, it is important to get veterinary care financing. Before we discuss the average cost of veterinary services, let’s check what all services do veterinarians charge for. 

- Services include professional services like physical examinations, medical exams, hospitalized exam, and extended exam. 

- Procedures that include surgeries 

- Diagnostic services, for instance, blood pressure evaluation 

- Anesthesia required for some procedures 

- Lab work services which include blood testing, heartworms, immunity, thyroid, and 

leukemia. 

- Hospitalization services when it’s an overnight stay, monitoring of your pet, and 

more. 

It should be noted that during a thorough physical examination of your pet, your pet’s vision, hearing, teeth and gums, how the heart is functioning, skin and coat, respiration, and musculature is also thoroughly checked. 

The average cost for the basic preventative care 

The average cost of a physical exam is somewhere between $45 and $55. These visits also include routine vaccinations or vaccine boosters. 

The average cost of vaccines per shot- $15-$28 

Your pet’s veterinarian may also conduct additional tests depending on the condition of

your pet. These examinations may include: 

• Fecal exam, which can cost $25-$45 
• Heartworm test, which can cost $45-$50 
• Dental cleaning, the cost can lie between $70 and $400 
• Allergy testing, for skin test $195-$250 
• And $200-$300 for the blood test 
• Geriatric screening, which can cost $85-$110 

The cost of surgery/unexpected diagnosis 

The annual veterinary care might lie between $200 and $400 for dogs and for cats, it can be somewhere between $90 and $200. Apart from the regular checkups, you might have to take your pet for unanticipated ailments, surgeries, or accidents. The cost of these illnesses and surgeries can depend on the condition of your pet and can cost you a variable amount more. Emergency treatments for your pets might cost you somewhere around $1000. Again, this depends on the criticality of your pet. 

Patient Financing Options for Pets 

Denefits have come up with the solution to help you cover these out-of-pocket expenses and deductibles by introducing patient financing options for pets. This financing solution has eased the pet owners and they can easily pay for their pets’ veterinary bills. Veterinary Financing with Denefits is easy, affordable, and reliable. There are no credit checks. That means, even if you have low or bad credit scores, you can still opt for veterinary financing. In addition, financing gets instantly approved. It just takes three minutes to get financing with Denefits. Denefits, top healthcare financing company in the US, ensures instant processing, 100 percent approval rate, medical financing with no credit checks, no hidden fees, low-interest rate, and flexible financing terms. Unlike significant healthcare financing & lending solutions, Denefits finances all pre and post-treatment procedures, and pet owners can repay in affordable monthly payments. They can easily pay in monthly installments. 

Choose Denefits Today! 

Denefits medical financing program offers a full spectrum of veterinary financing options. It is the best platform that supports pet owners to pay the expensive/ unexpected medical bills, conveniently. Once you connect with Denefits, you can count on instant financing and a 100 percent approval rate too, without credit checks. Denefits interactive digital platform understands the pet owner’s needs and yields unique solutions tailored to their financial capacities. 

What is there for the veterinarians? 

You spoke and we listened. When veterinarians are enrolled with Denefits, there is no fee financing and no-fee payment processing. To get more details, you can contact our representative at 1-833-336-3348. 

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Financing for chiropractic services has become easy for your patients. Here’s how

Chiropractic or also known as ‘manual therapy’ treats a number of conditions, especially those of the spinal column. After doctors and dentists, chiropractors rank 3rd largest group of doctorate level of medical professionals. As per studies, chiropractic treatment is performed on approximately 27 million Americans every year!

Some of the well-known benefits of chiropractic treatment are as follows.

Chiropractic treatment and procedures are well-known for the wellness of overall health. A few other benefits of chiropractic treatment are: 

• Chiropractic treatment and procedures are known to improve joint mobility.
• It decreases pain.
• It helps in making loose muscles tight, tight muscles lose, thus relieves the spasms in the muscles.
• It improves blood circulation.
• It helps in relieving prenatal discomfort.
• It decreases the adverse effects of stress.
• It helps in strengthening the immune system.
• Chiropractic treatment is also known to improve cognitive skills.
• It helps in improving overall health and wellness.
• It beats insomnia.
• It helps in improving athletic performance.

But is it convenient for the patients to easily pay for chiropractic services in a country where healthcare is skyrocketing? Let’s find out.

Cost of chiropractic sessions

Chiropractic sessions are categorized into two costs:

• Basic cost

• Additional cost

Basic cost: As the name suggests, these are the basic charges. These charges include:

• According to the Chiropractic Economic Magazine, Chiropractic fee per chiropractic sessions is approximately $65. This is for general vertebrae adjustment. 

• There are chiropractic sessions. These sessions may range from $30 to $200 per session. However, the cost per session may rise, depending on the treatment and the spine region it is focusing on. 

• Studies also show that chiropractic fee is higher in the South, which is approximately $70 per session. In the Midwest, it goes down to $60. 

• When it is the first visit, the cost may go from $61 to $161. 

• For the X-rays, the cost may rise from $44 to $159.

Additional Cost: Additional cost is charged by the chiropractor for the additional services that are provided in the clinic. These services are also used to treat chronic illnesses, massage, and acupuncture sessions.  An average cost for a massage session costs $42. For acupressure, the charge may vary from $100 to $150, that too for an initial visit. And when there is a follow-up, it may charge them $65 per visit.

Is chiropractic treatments covered under health insurance? According to the American Chiropractic Association (ACA), healthcare insurances cover some level of chiropractic treatments. Hence, it requires chiropractic patient financing options for your patients which makes chiropractic treatments and procedures affordable. Make chiropractic treatment affordable for your patients When we look at the statistics and facts that say chiropractic adjustment is performed around 1 million times every business day in the US, it clearly shows how effective this treatment is. A study showed that people who preferred chiropractic treatment experienced a reduction of 30% in lower back pain after 4 weeks. Hence, the need of the hour is to make chiropractic treatment affordable for every patient. By offering them chiropractic patient loans, they can conveniently pay for the chiropractic treatments. The chiropractic patient financing program allows patients with an option to not pay the whole treatment amount upfront.  This means that with chiropractic patient loans, patients can pay conveniently in easy monthly installments. By getting the enrollment to patient financing, practice gets guaranteed payments, that too with no service fee cost. With Denefits chiropractic patient financing, there are no credit checks. Thus, practice doesn’t have to turn away any patient.  To learn more about patient financing options with Denefits, call 1-833-336-3348.

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Coronavirus- Safety tips for you

Despite strict actions taken by the State authorities to ensure people’s safety, the coronavirus cases are still on the rise. According to the latest report, as on 27th March 2020, the US has surpassed China for the highest cases confirmed. 

As of today, worldwide 510,000 cases are reported. The number indicates that we need to follow safety measures more strictly. Even if the Government has imposed strict actions to cope with this pandemic, we all have to ensure our own safety. 

How can we help break the chain of COVID 19?

Coronavirus spreads quickly, even before an infected person knows the symptoms. Research done by The University of Texas stated that an infectious person can infect more than 10 percent of people even if the infected person has shown no symptoms. The transmission of the virus is less than a week. 

The speed of this pandemic depends on two factors, 

how many people are infected by each case, which is also referred to as reproduction number

and, how long does it take for infected people to spread the virus, also referred to as the serial number?

Considering the number of cases and the speed it is infecting people, here are a few safety tips that must be followed to prevent coronavirus.

SAFETY TIPS FOR YOU

1. Stay at home. Avoid social contact and unnecessary journeys. This will not only protect you from the infectious person (who even has not shown any symptoms) but will also help the government to fight against the pandemic. Go out only when it is urgent. 
2. Leave home only for essentials and medical needs. The situations that cannot be prevented, for instance - medical urgency or shopping for essentials only then leave home. Else, stay home and stay safe.
3. Work from home. The pandemic has forced every business to shut (except for a few like medical financing companies) .and people are working from home to ensure everyone’s safety.
4. Avoid public gatherings. Public gatherings are already banned by the respective state authorities. Even if you are going out to buy essentials or for medical emergencies, keep a distance from others. 
5. Avoid visiting other people’s houses, even if they are your next-door neighbor. As discussed, before the infected person shows coronavirus symptoms, it can infect you. So, if you think that your next-door neighbor is doing fine, avoid visiting and socializing with other people. 
6. Police can stop you from going out and can take necessary actions. To ensure people's safety and break the chain of this pandemic, State authorities have empowered police to stop you from going out (except in certain conditions) and may take necessary actions if you violate the rules.
7. If you’re unwell, isolate yourself. Avoid contact with others, even with your family members. Stay in your own room and if you experience weird symptoms, immediately seek medical attention. 
8. Contact your friends and family who are far from you. Keep in touch with your friends and family who are far from you. This doesn’t mean you should visit them but call them or reach out to them through social media. This will help you and others to cope with quarantined situations.

Apart from these safety tips, here’s what you can do to stay well.

1. Wash your hands for 20 seconds. You must wash your hands for 20 seconds. Use soap and water to wash your hands and if you are going out, don’t forget to sanitize your hands before you leave home, during the process of buying essentials or even if you are at a doctor's clinic and after you reach home. Do not touch your eyes, nose, and mouth without washing your hands. Cough or sneeze at the bent elbow to prevent the spread of the virus.
2. Use tissue for cough and sneeze. Either cough or sneeze at the bent elbow or use tissue for coughing and sneezing. Dispose of the used tissue. 
3. Practice social distancing. If it’s an unavoidable situation and you have to go out, practice social distancing. Keep a distance of six feet away from others. 
4. Avoid close contact with people who’re sick. Even if there is a family member who is sick, avoid close contact. If required, get in touch with a doctor.
5. Disinfect/clean the surface that is frequently touched. These surfaces include tables, doorknobs, light switches,  computers/laptops, phones, keyboards, desks, sinks, toilets, faucets, kitchen shelves, and countertops.
6. If the surface is dirty, use water and detergent or disinfectant to clean it. Clean other items, like computers, phones, etc. with sanitizer. With a few drops on sanitizer over a tissue and clean these items.
7. Wear a mask if you're sick, taking care of a patient or going out at a public place. This helps you to protect yourself from the virus.

What should I do if I experience weird symptoms?

The symptoms include - 

• Fever and tiredness
• Continuous cough
• Difficulty in breathing

If you have encountered a person who has got ‘new continuous cough’ or high temperature, isolate yourself for 14 days in case symptoms develop. If your situation gets no better or worse, seek immediate medical attention. You are then tested for coronavirus at a hospital. 

Denefits patient financing 

Denefits program is designed to help patients. With no credit check, instant approval, all patients get medical financing. 

How Denefits can help patients in this pandemic situations?

If you're looking for patient financing options, you do not have to come out of your houses. You can download our mobile app and can get eligible for medical financing. All you have to do is to contact your practice and know how they can help you in getting Denefits patient financing.

We know you’re staying home and your safety is our topmost priority. Opt for online yoga sessions or physiotherapy (exercising) sessions. Ask your medical advisor if they’re using the Denefits patient financing option. If they are not enrolled with us, let us know. We will help them get enrollment so that you can reap the benefits.

Do you know with Denefits patient financing, you don't have to pay everything upfront. We give our customers leverage to pay in easy monthly installments. 

Other benefits for our customers

• Rebuild Your Credit Score - We report payments to all major credit agencies — so when you make your payments on time, you’ll also be improving your credit score.
• No Credit Checks - We believe everyone deserves access to medical care, no matter your credit score. We do not require a credit check, which means we have a 100% approval rate.
• Social Healthcare Payments -  Everyone can benefit from the kindness and generosity of others. We provide another solution to help patients make their payments. We believe that the healthiest lending system involves not only the individual but also friends, family, and the community. Patients can tell their stories and share their links to receive donations from community members. Family, friends, and donors can contribute directly to a patient’s payments. Anyone can donate to help customers make their payments — and know their contributions are going directly to a worthy cause. 

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What are the dietary foods?

Our food choices make a lot of difference in the way our mind works and body functions. Intake of the right amount of nutrients combined with exercising can help maintain a healthy weight and reduce the risk of illnesses.

Here we have mentioned a list of healthy foods that must be added to our diet.

• Green, dark leafy vegetables- We all know the importance of green and dark leafy vegetables. These vegetables are not only essential for our health but also play a vital role in maintaining our eye health. Green, dark leafy vegetables include spinach, kale, broccoli, lettuce, turnip greens, bok choy, collard greens, dandelion greens. Leafy greens offer a number of health benefits, for instance, reduced risk of obesity, heart disease, and high blood pressure. Experts also say that including these vegetables also helps boost mental health.

• Whole eggs: Eggs should be taken in controlled amounts. This is because a high intake of eggs can result in raising ‘bad’ LDL-cholesterol levels. Eggs are enriched with protein, vitamin D, B6, B12 and minerals such as copper, zinc, and iron. Experts are of the opinion that eating 3 whole eggs is safe for healthy people. However, before deciding the amount of egg intake, you must consult an expert as it may depend on your body type.

• Boiled potatoes: While you may have not considered potatoes as the healthiest food in your diet, studies have shown its benefits for optimal health. Potatoes are high in potassium, a nutrient that plays an important role in controlling blood pressure levels. You can also add sweet potatoes, turnips, and other root vegetables to your diet.

• Beans and legumes: Beans and legumes are enriched with protein and fiber. Protein and fiber are important to satiate our hunger. Studies show that beans and legumes are also helpful in maintaining a healthy weight. Beans and legumes include lentils, kidney beans, black beans, red beans, and some others. It should be noted that if beans are not cooked properly, it can cause discomfort in the stomach. So, it’s important to prepare them properly.

• Cottage cheese: Dairy products are a great source of protein. One of the best dairy products that is highly recommended is cottage cheese. Cottage cheese has high protein content, low carbs, and little fat. Cottage cheese also provides calcium content and is very satiating. You may also add gree yogurt and skyr to maintain a healthy weight.

• Apple cider vinegar: Often used in condiments like dressing, people who look to achieve a healthy weight also drink it after diluting in water. Various studies also show that apple cider vinegar helps reduce weight. You may add apple cider vinegar to salads as this curbs appetite, leading to weight loss. 

• Nuts: Though nuts are high in fat, they are not fattening if eaten in limited amounts. Nuts have a balanced amount of protein, healthy fats, and fiber. If you are on a weight loss plan or trying to achieve a healthy body weight, eat them as snacks between your meals. They are highly satiating and you will not feel hungry for long periods of time. 

• Avocados: Avocados are a great source of vitamin C, E, K, and B-6. They are enriched with magnesium, potassium, riboflavin, niacin, folate, and pantothenic acid. Avocados are loaded with healthy fats and contain a lot of water and fiber. Add them to your diet for a healthy body and mind.

• Whole grains: Whole grains are loaded with fiber and contain some amount of protein. Whole grains include brown rice, oats, and quinoa. It should be noted that refined grains are not a healthy choice as they are highly processed junk foods and fattening too.

• Seasonal fruits: Did you know studies say that people who eat seasonal fruits and vegetables are healthier? Fruits have essential properties that make them weight-loss friendly. Despite containing natural sugars, fruits have a low energy density and take a while to chew. Also, natural fiber in them prevents natural sugars from quickly being released into the bloodstream.

• Super seeds: Super seeds include chia seeds, sunflower seeds, flax seeds, hemp seeds, mustard seeds, sesame seeds, poppy seeds, and some other. Super seeds are a low-carb friendly food and are the right source of fiber. You must consult an expert to know the amount of super seeds you must intake in a day in order to get the benefits. 

• Grapefruit: This fruit needs special attention as it has shown effects on weight loss. Grapefruits have also shown results in reducing insulin resistance that can lead to various chronic diseases.

• Soups: Soups play an effective role in reducing weight. Soups contain nutritious vegetables, thus providing essential nutrients to the body. You must add a bowl of soup daily if you are on a weight loss journey. 

Before adding dietary foods to your diet, you must seek expert advice. Contact a dietitian and know if they are enrolled with Denefits. Denefits helps you get dietetics financing, which can be paid in easy monthly instalments. Dietetics Financing with Denefits is conferred with no credit checks and instant approval. Ask your dietitian if they have Denefits enrollment. If they don’t have it, we’ll help them get the enrollment so that you can get dietetics loans, can add healthy diet to your diet and can lead a healthy life.

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How can I get dental financing?

Getting damaged or terrible teeth fixed can be expensive especially when the cost of any dental treatment depends on the condition of your oral health. For instance, the condition of the broken tooth, gums and bones- all these factors play a major role in deciding the overall cost of any dental treatment.

Studies show that people avoid dental treatment. 

Reason: Dental treatment is an out of pocket expense, and this is one of the major reasons people avoid visiting a dentist. But avoiding dental treatment isn't really an option as dental problems can even lead to health complications.

Cost and dental treatment

According to a Federal Agency for Healthcare Research and Quality report, the cost of dental treatment has increased since 1996. The data that was calculated from 1996 to 2015, the cost of dental care per person increased by 23%! That means for people who have families, they have to pay for multiple dental procedures every year (which also includes important dental regular checkups.)

How can I get financed for dental procedures?

Considering the fact that dental procedures aren't cheap and it is an out of pocket (heavy) expense, you have various options to pay for dental procedures.

1. Dental Patient Financing: With dental patient financing, you get an option to pay the treatment fee in easy, convenient installments. Dental patient financing allows you to borrow money for the treatment from the lender and then make payments to pay off the borrowed amount, as per your convenience. It should be noted that some financing companies who lend you money for your treatment also charge paying fees and interest on the borrowed amount.

2. Credit Cards: Many practices also offer dental credit cards. These credit cards allow you to pay your dental bills, once the dental procedure is done. You get an option to pay your credit card bill through monthly payments. Usually, the rate of interest is not high and if you have limited funds or a tight budget, you get an option to pay a small amount of your total bill. However, the biggest limitation of having a dental credit card is that the monthly payoff amount is too less. Hence, it takes a huge amount of time to pay the dental credit card bill and you end up paying more on the base amount. 

3. Dental Loans: Denied dental credit cards? You can apply for dental loans! Dental credit cards are usually denied when a person has a bad credit score.  If this is the case, you need to opt for a bad credit dental loan. However, lenders may impose a large amount of interest rate on dental loans. It should be noted that if you fail to repay the amount on time, you may be charged a higher rate of interest. 

4. Health Savings Account: One of the most potential financing options for your dental work is a Health Savings Account (HSA). HSA enables you to put pre-tax money every month and then enables you to use that money for medical expenses including dental procedures. 

5. Community Dental Clinics: Dental services provided by these clinics are relatively at low cost. To know more about these community clinics, you need to contact your local hospitals. You may contact your local hospital as they may refer you to community dental clinics. These clinics are a great way to afford dental care. 

Conclusion: One of the best ways to get dental treatment financed is by dental patient financing. It not only gives you the option to pay for the treatment but you also get an option to repay the amount in monthly installments, conveniently. With Denefits, you not only get these benefits of dental patient financing but also the rate of interest is quite low. 

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