Medical and Dental Practices “Feeling the Pain” Along With Their Patients

In this day and age rarely a day goes by that Americans are not inundated with articles, radio and television reports, and even conversations at the grocery store about Healthcare. And while most everyone has an opinion and it is a pretty good guess that the debate will continue over rising costs, insurance coverages, covered programs, and governmental intervention the fact remains that many who need care are simply not being provided. Revolving credit is not new for many operations in the Healthcare industry. Offices may have one or more options including credit cards. But for a host of reasons the credit card, for many, may not be the desired way to pay for services rendered. There are some programs out there for the dental and medical fields, but the fact is that these programs are often restrictive and does not benefit the medical professional and / or their clients. Practices are losing valuable patients and revenues while their patients, in many cases, are neglecting the care or procedure they need.

Is there an answer? Yes, in many cases. There will always be some guidelines as to whom can attain credit and there should be parameters. Anyone who has been around for the past five years or so has seen the negative impact on our economy that is a by-product of not having boundaries in place for credit decisions. However, there are some new players out there with eyes on helping consumers, taking a “Refreshingly Different” approach and are working with medical and dental professionals to offer a wider array of financing that will benefit both the practice and the patient.

Recently, this growing problem of denials was studied within the industry. As mentioned there are a select number of medical care companies offering revolving services to patients. While these credit grantors are established in this special marketplace and engrained in the healthcare industry their turn down ratios are quite alarming. Recognizing the need to finance more persons in need while working in cooperation with the office just makes a lot of sense. This is the “caring” business and perhaps new alternatives to the ‘same old, same old’ is what is needed and who’s time has come. Office and Practice managers are very busy professionals, but if they are willing to look at new programs that are easy to use and offer support to help them on an ongoing basis, perhaps a better situation for the Practice and its patients can emerge.

Careers in the Medical and Dental Field

As you decide to attend medical school or have always wanted to help sick and injured people, there are plenty of positions available within the field of medicine and dentistry. The majority of medical and dental employment opportunities require many years of schooling in order for an individual to learn the appropriate information and techniques necessary to complete their job description. There are also positions within the field that do not require an extensive amount of time in college, which usually deal with administrative and assistant duties. Below you will find a collection of typical careers one may pursue within the field of medicine and dentistry:

The doctor that prevents and corrects deformities, mends injuries, and heightens the function or appearance of a patient is called a surgeon. Under this branch of medicine, there are several different kinds of concentrations, which make an average annual salary between $186,935 and $403,552. For instance, a plastic reconstructive surgeon focuses on surgically treating abnormalities of the body, an orthopedic surgeon treats injuries and diseases of the musculoskeletal system, and a heart transplant surgeon is responsible for repairing patients with end-stage cardiac disease. In order to become a surgeon, a medical degree is required with at least two to four years of surgery experience. Additional branches within the surgery field include bariatrics, neurology, and vascular.

Some careers in the medical field do not directly deal with patients and instead, spend their time in a laboratory. This is seen in the job titles of the microbiologist and pathologist, who analyze diseases by taking a look at body tissue, fluids, and other secretions. Some may perform an autopsy to identify the cause of death or the source of a disease. This particular position requires a degree in medicine from an accredited program, as well as a valid license to practice. The typical salary of a pathologist is seen between $142,460 and $292,312.

Nursing is a popular field to study in medicine, as there is an overwhelming need for individuals to fill positions all over the United States and Canada. There are also various levels of nursing that take as little as two years of schooling or training to achieve. A registered staff nurse earns an average salary of between $48,499 and $68,424 in the United States. Typical duties include the evaluation of patients and physician assistance. Some nurses administer tests and dispense medication within the limitations of the practice he or she works for. An associates degree and registered nurse certification are required to take this position. Other positions within the nursing field include certified nursing assistants and chief nurses at a hospital.

The medical world is filled with a never-ending collection of careers and jobs that look after and treat every part of the body. The anesthesiologist makes sure no pain is felt when patients are undergoing surgical procedures. This position demands a degree in medicine from an accredited school, a license to practice, and at least two to four years of anesthesiology experience.

The radiologist who uses x-rays and radioactive materials to examine and diagnose disease makes between $251,566 and $461,255. The dermatologist who treats disorders and diseases of the skin brings home between $160,851 and $301,808. The endocrinologist that specializes in hormone conditions is paid an average yearly salary between $136,521 and $223,927. Additionally, research is a big part of medicine and there are numerous people who train to become a research assistant or research scientist.

The medical director in charge of planning and directing the medical policies and programs regarding his or her organization must have a degree in medicine and have accumulated at least 15 years of experience. The typical salary for this position is between $118,141 and $269,969.

In dentistry, one may choose to pursue a career as a general dentist or prefer to lend a hand as a dental assistant. Dental hygienists, dental technicians, orthodontists, and periodontists are also suitable careers to consider in this particular field.

A dental assistant works directly under the supervision of a dentist and assists in various procedures, such as oral surgery. They are in charge of preparing and arranging the necessary tools, as well as locating records and sterilizing equipment. An associates degree from an accredited program with zero to two years experience is expected. The typical salary for a dental assistant is between $25,158 and $36,993.

A dental hygienist may clean calcareous deposits, remove tooth stains, and clean under the gumline using a variety of dental instruments. They look for signs of disease and often make visits to local schools to check in on the oral health of students. With a license, associates degree, and about two to four years of experience, one can become a dental hygienist that earns the average salary between $45,826 and $75,027.

An orthodontist is responsible for preventing and correcting undesirable formations of the teeth. In order to take on this career, he or she must have graduated from an accredited dental program and possess a license to practice dentistry. Two to four years of experience is usually a requirement to make the average salary of between $76,812 and $163,864.

Supplemental Medical and Dental Insurance Coverage

Health insurance in general is expensive even if you get it through your employer; if you happen to be on COBRA because you are between employers it’s even more expensive.

If you have children and they are a part of your insurance plan through your employer the limit for insurance plans is 18 years old. In some instances if they are attending college full time you will be able to cover them to the age of 25 years old.

If you work for a small company the chances of having medical or dental insurance are slim to none and if you are self employed your premiums are going to be very high.

Since a lot of employers have had to make cut backs due to the economy and growing pains the first benefits that suffer are usually your health and dental.

Since these issues are so prominent supplemental insurance coverage has become the solution for most people shopping for medical and dental coverage.

There basically two types of supplemental insurance coverage that is available to the consumer.
 
Student Coverage
Student Coverage is usually offered through colleges and universities at a small annually fee. The annual fee is usually between $120 and $180 and they cover most medical and dental routine care. With some plans you may be part of a medical network and be assigned to a medical clinic. There will be small co-pays associated with these plans for the most part the offer a great alternative.
 
Discount Medical and Dental Coverage
Discount medical and dental plans are a great alternative because they offer medical and dental services at discount prices. What usually happens is that a company will negotiate medical procedures, routine visits, routine exams and ancillary services with providers. The negotiation will give the consumer purchase power and will lower your medical expenses. An example of this would be were you pay a monthly premium of $14.95 for supplemental dental coverage and your fillings would cost you $7.00. These plans are an excellent alternative for students, seniors, self employed and small businesses.

 
Supplemental health and medical coverage is a great affordable way of having medical services available at a discount price. Most of these plans start at approximately $8.00 a month for basic dental and can top off at around $60.00 monthly. Most of the supplemental medical and dental coverage can cover everyone in your household regarding of the type of relationship. The coverage has grown in strength and popularity due to the fact that there is a growing population of the self employed and the high cost of traditional insurance cost.
Do yourself a favor and check out the different options you have when it comes to medical and dental coverage, you might surprise yourself.