Healthcare: A Guide for New Parents

Healthcare: A Guide for New Parents

 

Ok, so you’re a new parent. The first thing I want to talk about is that you should absolutely get insurance. Whether it be through your job, or on the open market (which is obviously more expensive), you should get some form of health insurance coverage. It’s not worth it to go without, because what if something goes wrong? You’re going to end up having a really big bill on your hands. It could potentially ruin your credit and put you in a pretty bad spot financially. If you can’t afford it, try asking for more time off of work so that you can get the insurance through your employer (if available).

Another option would be to look into Medicaid or CHIP (Children’s Health Insurance Program). Medicaid is free for eligible low-income adults and children in every state except Hawaii and Massachusetts. CHIP covers uninsured children whose families are not eligible for Medicaid but have incomes too high to qualify for Children’s Health Insurance Program Standard Coverage. Both programs are funded jointly by states with federal matching funds available in most states with eligibility criteria varying by state.[iii] So if this applies to you, definitely look into these programs! They’ll help ease the burden of healthcare costs while also providing decent coverage – at least in some cases. These programs are also good if someone else in your family needs healthcare but doesn’t have any other options available. I want to have hair transplant surgery, but I can’t afford it. It’ll set me back $20,000, and I don’t want to put myself in debt for something like that. So I’m looking into these programs to see if they will cover some of the costs.

If you work for a company with 50 or more employees, chances are good that your company offers healthcare coverage to its employees (if they don’t, why would you work there?). When getting insurance through your employer, you should look into the costs and all of the different plans available (it’s not like buying a TV on Amazon). Chances are good that one plan will be cheaper than another (and better too). If your employer pays part of the cost for healthcare premiums, then it might make sense to go with a higher deductible so that your premiums get lowered.[iv] But if you’re paying out-of-pocket for healthcare premiums and everything else is paid by your employer – such as dental and vision – then definitely go with a lower deductible so that when something breaks or gets infected/hurt/etc., it doesn’t feel like an arm and leg just because there’s less money coming from an outside source.[v]

Be aware: if someone does not have health care coverage through their job or government program and needs medical care they are supposed to pay any expenses upfront until their insurance starts paying later on in the year. It is very common for people to use their credit cards, which can do a lot of damage to your credit rating and cause you to go into debt. If this happens, make sure you contact the hospital and explain the situation and ask for them (the hospital) to remove it from your bill. I don’t know if they will or not, but it won’t hurt to try.

When dealing with insurance companies – especially when filing a claim – you need to be prepared by having all of the paperwork that they might request such as medical records (this applies if someone else was involved in an accident), receipts, bills/estimates from doctors/hospitals/etc., etc. All of these things are necessary because insurance companies do not like paying out money without good reason or evidence that something did happen.[vii] So having all of this stuff ready will help so much when dealing with them! The more evidence there is backing up what happened, the easier it’ll be for them to pay out on claims. That’s just my two cents on insurance claims! I hope that helps anyone confused by how things work!

The next thing I want talk about is healthcare providers: doctors and hospitals. This part isn’t easy at all because everyone has different opinions on various healthcare providers; some may have had amazing experiences while others may have had terrible ones.

If you are young and healthy, I recommend going to a doctor who has experience with surgeries because they are more likely to have more specific knowledge of how your body will react. This is important for any surgery, but especially with hair transplants. I also prefer doctors that have their own surgical center because they know how it works and can supervise the staff that works there too.

If you are someone who is older or has medical problems, then I would go with a doctor/hospital that specializes in what you’re getting done. For example, if someone needs heart surgery – which is something very serious – then they should use a doctor/hospital that specializes in doing heart surgeries so that there aren’t any complications during the operation (or after). This will ensure the best possible results for whatever procedure(s) you may be doing! Just make sure they have great reviews of course! If not, don’t do it! Never take chances when it comes to your life!

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