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Posts Tagged ‘MEDICARE HELP’

Question: I have a dentist I like and want to work with, but the office only accepts dental PPO insurance plans. I have been reviewing a few dental PPO plans, but the dental office isn’t listed as a provider. If I get a dental PPO plan where my Dentist is not a provider, can I still use the insurance to go to that dentist?

Answer: Most PPO plans allow you to go outside their plan provider list. However, it’s crucial to review each plan carefully. Some PPO plans may reduce their benefits if you choose to go to a non-participating provider. You could end up paying more out-of-pocket. Additionally, when you visit a non-participating provider, you’re at a higher risk of incurring UCR Fees. These are fees that exceed the usual, customary, and reasonable charges for a specific service in a particular geographic area. So, it’s essential to understand the potential financial implications before deciding. When reviewing a plan’s policy terms, look for the terms for Non-providers of the plan. Here is an example of what you may see in a PPO plan about Non-providers:

Example: Non-participating provider – Payment for Services Payment for covered services provided by a Non-Provider Dentist is calculated based on the lesser of the Dentist’s Submitted Fee or the Maximum Allowance. Because these Dentists are not contracted, We cannot limit the amount charged to You. (This means that a non-participating dentist can charge you more than what is considered usual, customary, and reasonable for a specific dental procedure in your area.) Seeking treatment from a non-provider will generally result in higher out-of-pocket costs. Unless the Payment of Claims provision assigns benefits, a Non-Provider Dentist can bill you the difference between the Dentist’s Submitted Fee and the amount we paid. The portion of the Maximum Allowance payable by Us is limited to the applicable Contract Benefit Levels shown in Attachment A. Non-provider dentists have no agreement with Us and are free to bill you for any difference between what We pay and the Submitted Fee. You may be required to pay the Dentist and then submit a claim to Us for reimbursement. When dental services are received from a non-provider dentist, our payment is sent directly to you unless you have made an assignment of benefits to the dentist.

UCR Fees and how they impact the cost of dental services from a non-participating provider?

UCR stands for Usual, Customary, and Reasonable Fees. These fees represent the standard costs for dental services in a specific geographic area. When you visit a non-participating dentist under a PPO plan, you are at risk of incurring UCR fees. If the dentist charges more than the usual, customary, and reasonable costs for a specific service in your area, you may end up paying the difference out of pocket.

Understanding UCR fees is crucial because they directly impact the financial aspect of receiving dental services from a non-participating provider. It’s important to note that UCR fees are not standardized and can vary by location. For instance, a dental procedure that costs $ 100 in a rural area might cost $ 150 in a suburban area and $ 200 in a metropolitan area. The same dental service may cost differently based on where you receive it.

You can make informed decisions when choosing a dental provider under your PPO plan by being aware of UCR fees and their potential impact on out-of-pocket costs. It’s essential to carefully review your plan’s policy terms to understand how UCR fees may affect your expenses when seeking treatment from a non-participating dentist.

Determining the financial implications of choosing a non-participating dentist under a PPO plan.

When considering the financial implications of choosing a non-participating dentist under a PPO plan, it’s essential to delve into the details to make an informed decision. Opting for a non-participating dentist may have significant financial ramifications, and understanding these implications is crucial before making a choice.

First and foremost, reviewing the specific PPO plan’s policy terms regarding non-participating providers is essential. Here’s a step-by-step guide on how to do it:

1. Locate the policy terms section in your PPO plan document.

2. Look for information on how the plan calculates payment for services provided by non-participating dentists.

3. Consider terms such as ‘maximum allowance’ and ‘dentist’s submitted fee. These will give you insights into potential out-of-pocket costs.

By following these steps, you can better understand your PPO plan’s policy terms and make more informed decisions about your dental provider.

Additionally, be aware of UCR fees, which stand for Usual, Customary, and Reasonable fees. These fees represent the standard costs for dental services in a specific geographic area. When you visit a non-participating dentist, you risk incurring UCR fees if the dentist charges more than the usual, customary, and reasonable costs for a specific service in your area, resulting in you paying the difference out of your pocket.

Furthermore, it would help if you considered the potential impact on reimbursement procedures when you seek treatment from a non-participating dentist. Some PPO plans may require you to pay the dentist upfront and then submit a claim for reimbursement. This process typically involves filling out a form provided by your insurance company, attaching the necessary documents, such as the dentist’s bill, and mailing it to the designated address. It’s important to keep copies of all documents for your records. Adding an extra layer of complexity to the process can make it more challenging, but understanding it can help you navigate it more effectively.

Understanding these financial implications is vital as they directly impact the cost of receiving dental services from a non-participating provider. By carefully reviewing and comprehending your PPO plan’s policy terms, you can make informed decisions about choosing a dental provider. Being aware of the potential financial risks and implications empowers you to navigate the complexities of PPO plans and make the best decision for your dental care needs.

What should you do if your favorite dentist is separate from any dental PPO plan you’re looking at?

It can be disheartening when your preferred dentist is not listed as a provider in any dental PPO plans you are considering. However, there are steps you can take to address this situation.

First, it’s essential to communicate with your dentist’s office and inquire about any possible arrangements they have with insurance companies. Sometimes, dental offices may have special arrangements or the ability to make exceptions for certain patients.

If your dentist’s office has no flexibility regarding insurance plans, don’t despair. You can explore the option of paying for services out of pocket and then seeking reimbursement from the insurance company. Some dental PPO plans allow you to do this, but reviewing the policy terms carefully is crucial to understanding the process and any potential limitations.

Another step to consider is requesting your dentist to join the network of providers for a particular dental PPO plan. While this may yield little results, it could be beneficial in the long run, mainly if more patients express interest in using that insurance.

Additionally, if maintaining continuity of care with your current dentist is your top priority, you should reevaluate the dental PPO plans you are considering. It could be worth looking into other plans that include your preferred dentist in their network of providers.

Lastly, seeking guidance from a dental insurance representative or a trusted insurance advisor can provide valuable insights and options you may have yet to consider. They can help navigate the complexities of dental insurance and assist you in finding a solution that aligns with your needs and preferences.

Ultimately, the steps to take when your preferred dentist is not a provider in any dental PPO plan involve proactive communication, exploring alternative payment options, and seeking expert advice. By taking these steps, you can work towards finding a solution that allows you to continue receiving dental care from the dentist you trust.

A Story About Understanding Potential Out-of-Pocket Costs When Using a Non-Participating Dentist Under a PPO Plan

As I delved into the intricacies of dental insurance plans, I came across a crucial aspect many individuals might overlook: the potential out-of-pocket costs when using a non-participating dentist under a PPO plan. The more I explored this topic, the more I realized the significance of understanding and carefully considering the financial implications before deciding.

Let’s consider a hypothetical scenario to illustrate this point. Imagine a dental issue requiring a specific procedure, and you opt to visit a non-participating dentist under your PPO plan. While your insurance may cover the procedure itself, there are potential out-of-pocket costs that could catch you off guard.

For instance, if the non-participating dentist charges more than the usual, customary, and reasonable costs for the procedure in your area, you might be responsible for paying the difference. This unexpected financial burden could significantly impact your budget and lead to undue stress.

Furthermore, the concept of Usual, Customary, and Reasonable (UCR) fees adds another layer of complexity to the potential out-of-pocket costs. UCR fees represent the standard costs for dental services in a specific geographic area. If the non-participating dentist’s fees exceed the UCR limits, you could be faced with covering the additional expenses.

Consider this: You might have diligently selected a dental PPO plan that aligns with your needs and preferences, only to realize that your trusted dentist is not part of the plan’s provider network. In such a scenario, the potential out-of-pocket costs become a critical factor in your decision-making process.

As I pondered these examples and their real-life implications, I became increasingly convinced of the importance of being well-informed and proactive when choosing a dental provider under a PPO plan. You can make a more informed and confident decision by thoroughly understanding the potential out-of-pocket costs and how they may impact your financial well-being.

Ultimately, by exploring and comprehending the examples of potential out-of-pocket costs when using a non-participating dentist under a PPO plan, you empower yourself to navigate the complexities of dental insurance with clarity and foresight. It’s not merely about selecting a dental provider; it’s about safeguarding your financial stability and ensuring your choice aligns with your long-term well-being.

Find the Right Dental PPO Insurance Plan for You at MedicareCard.com

Looking for the right dental PPO insurance plan doesn’t have to be overwhelming. By taking some time to review the available options and ensuring that the plan aligns with your specific dental care needs, you can find the right fit for you. At MedicareCard.com, we provide a diverse selection of dental insurance plans, including comprehensive dental PPO options. Whether you’re interested in obtaining a free dental insurance quote or have inquiries about dental insurance, feel free to contact our office at 310-534-3444 during our working hours, Monday through Friday from 8 AM to 4 PM.

Question: I am in a financially tight spot and unable to afford dental care, but I suspect I have cavities. Where can I turn to for immediate, free dental care?

Answer: We understand that the cost of dental care can be a significant burden, especially when dealing with cavities. While free dental care options are limited, there are still avenues that can potentially provide relief. Start by visiting the American Dental Association website, where you can find information on ongoing programs that offer free dental care, often held in February, known as oral health care month. Consider reaching out to dental schools and clinics, which typically provide lower-cost dental care and may have payment options that can be tailored to your financial situation. Another option is enrolling in a low-cost dental HMO insurance plan, some of which are available for as little as $7.95 monthly. With their affordable rates, these plans can significantly reduce dental care costs, potentially easing your financial strain.

Braking Down the Dental School Option to Affordable Dental Care.

Dental schools can be an excellent option for affordable dental care. These institutions often have clinics where supervised dental students provide care at a reduced cost. It’s important to note that the care is provided by students under the close supervision of experienced faculty, ensuring you receive quality treatment at a lower price. Quality assurance can reassure individuals looking for more affordable dental care options. Some dental schools may also offer free or low-cost dental care as part of their community outreach programs. It’s worth contacting dental schools in your area to inquire about their services and see if they offer assistance programs for needy individuals. Dental school may be an option if you need dental care but are looking for free or minimal cost. If you have one locally, it is worth calling and discovering their process.

American Dental Association Website

The American Dental Association website is a crucial resource for information on oral health, dental care, and finding affordable services. The ADA often provides information on events that offer free dental care for low-income individuals. These events are typically organized in collaboration with local dental professionals and community organizations to assist those who may not have access to regular dental care. By regularly checking the ADA website, individuals can stay updated about upcoming events in their area and learn how to use these opportunities for free or low-cost dental services. These events can fill up quickly, so it’s advisable to call and confirm when you see one listed near you.

Dental Clinics

I recommend checking to see any dental clinics in your local area. While dental clinics charge for their services, they often provide more affordable options for lower-income individuals and families. Visiting a dental clinic could be a viable and practical option for getting the dental care you need at a more manageable cost. Additionally, some dental clinics may offer payment plans or sliding scale fees based on income, making it easier to access the care you need without experiencing significant financial strain. Be sure to inquire about these options when contacting the dental clinics in your area.

Dental HMO Insurance Plans

Dental HMO insurance plans operate on a prepaid basis, meaning that members pay a fixed monthly premium in exchange for access to a network of dentists who have agreed to provide dental care to plan members at a reduced cost. Members who need dental treatment visit a dentist within the HMO network and receive services at a lower, predetermined rate.

Enrolling in a dental HMO insurance plan can significantly reduce the cost of dental care for low-income individuals. These plans often have low monthly premiums, making them more affordable for individuals facing financial constraints. By paying a small monthly premium, members can access a network of dentists who have agreed to provide services at reduced rates, making essential dental care more accessible and affordable.

Furthermore, dental HMO plans typically have minimal or no deductibles and may cover preventive services, such as cleanings and X-rays, at little to no cost. This can be especially beneficial for low-income individuals needing regular dental care to maintain oral health.

It’s important to note that dental HMO plans require members to choose a primary dentist from within the network and receive all dental care through that provider. While this limitation may not be suitable for everyone, it can be a practical and cost-effective option for those seeking affordable dental care.

Overall, enrolling in a dental HMO insurance plan can help make essential dental care more affordable for low-income individuals by providing access to reduced-cost services and covering preventive care at little to no cost.

If you have any inquiries regarding dental insurance or are interested in purchasing an affordable dental HMO insurance plan, please don’t hesitate to contact our office at 310-534-3444. At MedicareCard.com, we understand the importance of finding the right dental insurance plan to help you save on dental care costs. Our range of dental insurance plans includes various options tailored to suit your needs and budget. Whether you’re looking for coverage for routine check-ups, cleanings, or more extensive dental procedures, we can provide you with the information and assistance you need to make an informed decision. Call us today and help us find the perfect dental insurance plan for you and your family.

Since January 1, 2024, Medicare drug coverage (Part D) has significantly improved, substantially benefiting many enrollees. One of the key changes is the introduction of the catastrophic coverage phase. Once your out-of-pocket drug costs reach $8,000, this phase kicks in, relieving you from co-payments and coinsurance for the rest of the calendar year. This provision effectively caps out-of-pocket costs at approximately $3,250 in 2024, according to KFF, providing a significant safety net for your healthcare budget.

Furthermore, the Part D Extra Help program, which is designed to assist with Part D plan costs, has been expanded. It will now be accessible to individuals with incomes up to 150% of the federal poverty level (FPL), up from the previous limit of 135% of the FPL. To check if you qualify, you can use the online tool on the Medicare website or contact your local Social Security office. This means that more people will now qualify for the program, potentially leading to significant cost savings. Those who qualify will have zero premium and deductible costs if they are enrolled in a benchmark plan. In 2024, California will have two benchmark plans accepting new enrollees. Additionally, prescription drug copays will be capped at $4.50 for generic drugs and $11.20 for brand-name drugs under these plans.

Furthermore, the new Medicare Prescription Drug Rebate Program will adjust coinsurance amounts for some Part B-covered drugs. This adjustment is made if the price of a prescription drug has increased higher than the rate of inflation. This measure is aimed at ensuring that you are not burdened with excessive costs due to inflation in drug prices.

As a reminder of the 2023 changes, the cost-sharing for insulin is capped at $35 for a one-month supply of each insulin product covered by Part D, and there is no deductible for it. This also applies to insulin used with traditional insulin pumps under Medicare Part B’s durable medical equipment benefit. Adult vaccines recommended by the Advisory Committee on Immunization Practices (ACIP), such as the flu vaccine and the shingles vaccine, will also be available at no cost.

To apply for the Part D Extra Help program, you can use the online tool on the Medicare website or contact your local Social Security office. The online tool on the Medicare website provides a convenient way to check if you qualify for the program. If you prefer direct assistance, contacting your local Social Security office can also help you determine your eligibility and guide you through the application process.

Hello, and welcome to Medicarecard.com! If you have any questions, you can reach us at 310-534-3444. In this post, we will talk about your medical card and how to protect it.

Your Medicare card bears a unique Medicare number, distinct from your Social Security Number, that is exclusively assigned to you. This distinctiveness is pivotal in fortifying your identity and personal information.

Your Medicare card serves as a comprehensive source of information, detailing whether you have Medicare Part A (HOSPITAL), Part B (MEDICAL), or both, and the commencement date of your coverage.

Upon enrollment in Medicare, your Medicare card will be sent to you as part of your welcome packet. Alternatively, you can access your secure Medicare account to print your official Medicare card.

You can access your secure Medicare account online through the official Medicare website. Once you log in, you can navigate to the section to request a replacement card and print an official copy. If you haven’t already set up your online account, you can visit the Medicare website and follow the instructions to create one.

Protecting Your Medicare Number

Protecting your Medicare number is crucial for safeguarding your identity and personal information. Think of your Medicare number as a credit card number – only share it with trusted entities such as healthcare providers, insurance companies, or licensed agents and brokers working with Medicare. Additionally, sharing your Medicare number with organizations like your State Health Insurance Assistance Program (SHIP) authorized to work with Medicare is safe. Avoid sharing this sensitive information with unauthorized or untrustworthy individuals or organizations to prevent identity theft and fraud.

What to do if your Medicare card is lost or stolen

In the event of a lost or stolen Medicare card, swift action is imperative to protect your personal information. It’s crucial to promptly report the loss or theft to the Social Security Administration by calling 1-800-772-1213. Once reported, a new Medicare card with a fresh Medicare number will be issued. Vigilantly monitor your Medicare Summary Notice for unauthorized activity and promptly report suspicious charges or services to Medicare. Add a fraud alert or a security freeze on your credit reports for added protection.

If you suspect unauthorized activity related to your Medicare card, taking swift action to protect your personal information is essential. You should vigilantly monitor your Medicare Summary Notice for unauthorized activity and promptly report suspicious charges or services to Medicare. Additionally, consider adding a fraud alert or a security freeze on your credit reports for added protection.

Carry Your Medicare Card With You 

Carrying your Medicare card with you when you’re away from home is essential because it contains vital information about your Medicare coverage. In case of a medical emergency or an unexpected need for healthcare services while you’re away from home, having your Medicare card on hand will ensure that healthcare providers have access to essential information about your coverage and can provide you with the necessary care. This can be especially important when traveling or spending extended time away from home. Remember to keep your card secure and safeguard your Medicare number to protect your personal information.

Question: I am 20 with a newborn. I am not getting much help with the care of my son, and my son’s dad does not have any benefits that he can add to our son, too. I work from home and go into the office when needed; though I get medical care for my son and me, I do not have dental benefits either. Getting dental insurance is new to me since I only gave it a little thought once my son was born. He is not teething yet, but I would like to get something in place for him and me both to use. What are my dental insurance options? I am trying to keep the cost low, so please advise.

Reply: I completely understand your concern about finding a dental plan that covers your child under five. However, I assure you that dental insurance benefits both you and your child.  

When finding an affordable dental insurance plan for you and your child, a dental HMO insurance plan is the best option. The cost of an HMO insurance plan for couples (you and your son) is generally in the range of $13.00 to $30.00. However, with HMO plans, you need to choose a plan provider. Therefore, it is crucial to call the providers and confirm that they provide dental care services for children under five. Confirming will allow you to choose a provider who specializes in child dental care and can address your child’s specific needs.

Another option we offer is a dental PPO. PPO plans are good because they allow you to choose your preferred dental provider, but they are generally a more expensive insurance option. However, certain PPO plans have a low yearly maximum limitation, such as $1000.00 per person. This could be a good option for you if you are looking for a plan that gives you more flexibility in choosing your provider without breaking the bank.

It’s also important to note that regular checkups are crucial for maintaining good dental health. Hopefully, you won’t need more extensive dental care services. Therefore, I highly recommend taking your child in for regular checkups to keep their teeth healthy and catch any potential dental issues early on.

Tips for Finding a Dental Provider that Specializes in Child Dental Care

Finding a dental provider who specializes in child dental care can be a little overwhelming, but it’s essential to find a provider who can address your child’s specific dental needs. One way to find a dental provider is to ask for referrals from your pediatrician. Pediatricians often work with dental providers who specialize in children’s dental care. You can also request referrals from friends, family, or colleagues with children. 

Another way to find a pediatric dentist is to check with your dental insurance provider. Most insurance providers have a list of in-network pediatric dentists. You can also visit the provider’s website for pediatric dentistry or children’s dental care information.

When choosing a dental provider, it’s essential to consider some factors, such as the provider’s experience, location, and cost. You can also check online reviews and ratings from other parents who have taken their children to the provider. This will give you an idea of the provider’s quality of service and patient satisfaction.

It’s also important to note that not all dental providers specializing in child dental care are equal. Some may have a more kid-friendly environment, while others may use child-friendly language and techniques to put your child at ease. Therefore, taking your child to a provider who makes them feel comfortable and at ease during the dental visit is crucial.

In summary, finding a dental provider specializing in child dental care requires research, referrals, and careful consideration. By finding a qualified provider, you can ensure that your child receives the best dental care possible.

Importance of Baby’s First Dental Visit: When and Why to Take Your Child to the Dentist

Many parents wonder when their child should see a dentist for the first time when it comes to dental care for babies. According to the American Academy of Pediatric Dentistry, a baby’s first dental visit should occur within six months after the first tooth appears or no later than the child’s first birthday.

The first dental visit is essential because it allows the dentist to examine the baby’s teeth and gums, check for any signs of tooth decay or other dental problems, and guide how to properly care for the baby’s teeth.

During the first dental visit, the dentist will also educate the parents on caring for the baby’s teeth and gums, including brushing and flossing techniques, a healthy diet, and ways to prevent tooth decay. They will also answer any parents’ questions about the baby’s dental health.

Some parents may wonder why their baby needs to go to the dentist at such a young age, especially if their baby has only a few teeth or none at all. However, dental problems can occur at any age, and early detection and treatment can prevent more significant issues.

Additionally, the first dental visit is an excellent opportunity for parents to establish relationships with the dentist and dental staff. This can help reduce any anxiety or fear the child may have about going to the dentist in the future.

In summary, it is recommended that babies see a dentist for the first time within six months of the first tooth appearing or no later than the child’s first birthday. This early dental visit is crucial for ensuring the baby’s dental health and providing parents with guidance and education on properly caring for their child’s teeth and gums.

Affordable and Comprehensive Dental Insurance Plans for Your Family at MedicareCard.com

At MedicareCard.com, we understand the importance of finding the right dental insurance plan that fits your monthly budget. With over 100+ plans, we offer various options for individual and family dental insurance and dental discount plans. Our plans are available throughout all 50 states, so you can rest assured knowing that we have you and your family covered.

We take pride in offering affordable dental insurance plans that provide quality coverage. Many of our plans offer a cheap price yet still provide access to the best dental providers in your area. We also offer supplemental dental insurance plans to help offset your dental and family expenses, ensuring you and your family receive the best dental care possible without breaking the bank.

We specifically designed our dental insurance plans to meet your dental needs and budget. We understand the importance of maintaining good dental health, and our plans provide you with the coverage you need to achieve this. Our plans cover routine checkups, cleanings, preventative care, and more extensive dental procedures such as fillings, root canals, and crowns.

At MedicareCard.com, we strive to provide you with the most comprehensive and affordable dental insurance plans available. We understand that navigating the world of dental insurance can be overwhelming, so we offer personalized assistance to help you find the plan that best suits your needs. Everyone deserves access to quality dental care, and we are committed to ensuring that you and your family receive the best care possible.

We would be happy to provide you with a free dental insurance quote for the plan we offer in your area or answer any questions about dental insurance. Our member service line is available from 4 a.m. to 5 p.m. Call us at 310-534-3444, and we’ll gladly assist you.

Question: My current Medicare does not provide good dental benefits, and I am looking for an overall good plan but one that is still low in cost since I am on a low-income budget. I don’t know what to look for to get better dental insurance. 

Reply: Many wonder whether Medicare covers dental care services; the answer is complicated. In short, Original Medicare typically does not cover most dental care, including routine dental services like teeth cleanings and X-rays and more specialized treatments like fillings, extractions, and dentures.

However, some ways exist to obtain dental coverage under specific Medicare plans. For example, some Medicare Advantage plans may offer dental coverage as an optional benefit, and some Medicare Supplement plans may provide limited coverage for specific dental services.

It’s important to note that even if you have dental coverage through Medicare, there may still be out-of-pocket costs associated with your care. These can include deductibles, copayments, and coinsurance. Additionally, some plans may have restrictions on which dentists you can see or what types of services are covered, so it’s important to carefully review the details of your plan before seeking dental care. While Medicare does not typically offer comprehensive dental coverage, options are available for supplementing their care. 

Affordable Dental Insurance Plans for Your Overall Health and Well-being – Medicarecard.com

At Medicarecard.com, we understand that dental care is essential for maintaining overall health and well-being. That’s why we offer individuals a broad range of dental insurance plans. These plans are separate from Medicare and may work better for your dental care needs. Everyone should have access to quality dental care, regardless of income level.

If you’re looking for budget-friendly dental insurance options, we can help. Our team at Medicarecard.com has put together some helpful information to guide you in selecting a dental insurance plan that meets your needs and budget. We will address various options that provide a range of coverage and benefits.

To learn more about our dental insurance plans or to speak with one of our representatives, please call us at 310-534-3444. We are ready to help you find the right plan to meet your needs and budget.

Affordable HMO Dental Insurance Plans – Comprehensive Coverage and Lower Costs at MedicareCard.com

At MedicareCard.com, we want to provide you with all the options available to help you make the best decision for your needs. While we do offer PPOs and Indemnity plans, we understand that budget-friendly options are more sought after. That’s why we want to focus on HMO dental insurance plans, which are usually the most affordable option.

Our HMO dental insurance plans offer comprehensive benefits, including routine check-ups, cleanings, X-rays, and specialized services like fillings, root canals, and extractions. With an HMO plan, you’ll have access to a network of dentists who have agreed to provide services at a lower cost, helping you save money on dental care.

Of course, we understand that everyone’s dental needs are different, and an HMO plan may not be the best fit for everyone. If you want to learn more about our dental insurance plan options, including PPOs and Indemnity plans, we encourage you to call us at 310-534-3444. Our friendly and knowledgeable representatives will happily answer any questions and help you find the right plan.

What are HMO Dental Insurance Plans, and How Do They Work?

HMO dental insurance plans operate on a network-based system. When you enroll in an HMO dental plan, you are assigned to a primary care dentist who will be your point of contact for all dental care needs. The primary care dentist acts as a gatekeeper, provides preventive care, diagnoses dental problems, and refers you to specialists if needed.

For example, if you have an HMO dental plan and need a root canal, you would schedule an appointment with your assigned primary care dentist. The dentist would examine your teeth, diagnose the problem, and recommend a treatment plan. If the dentist determines that you need a root canal, they will perform the procedure themselves or refer you to a specialist within the plan’s network. 

In an HMO dental plan, you typically have a set co-pay for each visit or procedure, and the plan covers the rest of the cost. However, you must receive all your dental care from providers within the plan’s network to receive the plan’s full benefits. 

One benefit of an HMO dental plan is that it often has lower premiums and out-of-pocket costs than other dental insurance plans. However, you may need more flexibility in choosing your dentist or specialist, and a referral from your primary care dentist is required to see a specialist. 

Overall, HMO dental insurance plans can be a good choice for individuals and families who want affordable dental coverage and are comfortable receiving care within a network-based system.

Factors Affecting the Cost of Dental HMO Plans in California

When choosing a dental HMO plan in California, it’s essential to understand that the cost can differ depending on several factors. Your location, specific dental needs, plan, and provider choice are the main factors influencing the price of a dental HMO plan in California.

On average, dental HMO plans in California can range from $10 to $50 per month. However, our company offers HMO plans for individuals at a much more affordable cost. Our plans range from as low as $7.95 to a maximum of $18.95 monthly. This makes our HMO plans budget-friendly for most people, and you can choose the plan that best suits your needs and budget.

Moreover, with our HMO plans, you can enjoy several benefits, such as lower costs for regular check-ups, cleanings, and other dental services. You can also choose from a wide range of dental providers and specialists in our network to receive the best care for your oral health.

In summary, although the cost of a dental HMO plan in California can vary, our company provides affordable options to help you save money while receiving quality dental care.

Tips on Choosing a Dental Office Within an HMO Network

Choosing a dental office within an HMO network can be daunting, but finding the right provider for your oral health needs is essential. Here are several tips that you can use to help you choose a dental office within an HMO network:

1. Check the HMO Network’s Provider List: The first step in choosing a dental office within an HMO network is to check the provider list of the HMO network you are interested in joining. The list should contain all the dental offices in the HMO network. You can use this list to narrow down your search.

2. Look for Reviews and Ratings: Once you have a list of potential dental offices, you can look for reviews and ratings. You can use various online resources, such as Yelp, Google, or Facebook, to find reviews and ratings for each dental office on your list. This way, you can get an idea of the quality of care provided by each office and the experiences of other patients.

3. Check the Dental Office’s Credentials: Before choosing a dental office, it is essential to check its credentials. You can look up its qualifications, certifications, and licenses. You can also check if the dentist is a member of professional organizations or associations. This will help you ensure that the dental office provides high-quality care.

4. Inquire about Services Offered: Dental offices within an HMO network may offer different services. It is essential to inquire about the services offered by the dental office you are interested in to ensure they provide the services you need. Some dental offices may not offer certain specialized services, such as orthodontics or oral surgery, so it’s essential to ask if they provide the services required.

5. Consider the Location and Hours of Operation: The location and hours of operation of a dental office can also be a crucial factor in your decision. You want to ensure that the office is conveniently located and that the hours of operation are compatible with your schedule. This will make it easier for you to keep your appointments and receive regular dental care.

Additional Tips to Consider When Choosing a Network Dentist

When selecting an HMO dentist, it’s essential to consider any special requirements you may have, such as mobility issues or disabilities. If you use a wheelchair or have any other mobility limitations, it’s essential to confirm that the dental office is handicap accessible and can accommodate your needs.

Here are some tips to help you find an HMO dentist that can meet your specific needs:

1. Check the accessibility of the dental office: Before making an appointment, confirm that the dental office is accessible to you. This includes not only wheelchair accessibility but also the availability of ramps, elevators, and other necessary equipment.

2. Look for dentists with experience treating patients with disabilities: Some dentists have specialized training and experience in treating patients with disabilities. Look for dentists with experience working with patients with similar needs to yours.

3. Consider the location and travel time: When choosing an HMO dentist, consider the location of the dental office and the travel time required to get there. If you have mobility issues, a dental office that is too far away or difficult to get to may not be practical.

4. Ask about accommodations: Be bold and ask the dental office staff about accommodations they can make to ensure your visit is comfortable and safe. For example, they can arrange a wheelchair-accessible exam room or provide additional assistance during your visit.

Dental care is essential for maintaining overall health and well-being, and everyone should have access to quality dental care. When selecting an HMO dentist, finding a provider who can meet your needs and ensure you receive the care you deserve is necessary. Following these tips, you can choose a dental office within an HMO network that meets your oral health needs and provides high-quality care.

Comparing HMO Plan Benefits

When comparing the benefits of HMO plans, it’s essential to research and ensure that the plan you choose provides the dental services you need at a cost that fits your budget. One of the benefits of HMO plans is that they typically offer a complete fee schedule of the dental services they cover and the cost for each service. This makes it easy to compare plans and choose the one that best meets your needs.

To get started, compare a few plans against your current one and find an option that provides better benefits. Specific HMO plans may offer more comprehensive coverage for the dental services you need, such as routine cleanings, fillings, and extractions. Some HMO plans may also cover specialized services like orthodontics or periodontics.

When comparing HMO plans, it’s also essential to consider the cost. You want to ensure you are getting the most bang for your buck. Some HMO plans may have lower premiums but higher co-pays for certain services, while others may have higher premiums but low or no co-pays for routine care.

The key to finding the best HMO plan for your needs is to research, compare the benefits and costs of different plans, and choose the one that provides the most comprehensive coverage at a price that fits your budget. By exploring your options and making an informed decision, you can ensure that you have the dental coverage you need to maintain good oral health and overall well-being.

In conclusion, dental care is essential for maintaining overall health and well-being. While Medicare typically does not offer comprehensive dental coverage, options are available for supplementing your care. At Medicarecard.com, we offer a broad range of dental insurance plans that are separate from Medicare and may work better for your dental care needs. Our team can help you find an affordable plan that meets your needs and budget.

Comprehensive and Budget-Friendly HMO Dental Insurance Plans – Save Money on Dental Care Today!

We specialize in offering comprehensive, budget-friendly HMO dental insurance plans that provide a range of coverage and benefits. With an HMO plan, you’ll have access to a network of dentists who have agreed to provide services at a lower cost, helping you save money on dental care. Everyone should have access to quality dental care, regardless of income level.

To learn more about our dental insurance plans or to speak with one of our representatives, please call us at 310-534-3444. Our friendly and knowledgeable representatives are available Monday through Friday from 8 a.m. to 4 p.m. to answer any questions and help you find the right plan. Don’t delay your dental care any longer. Contact us today to get started.

At MedicareCard.com, we aim to simplify the complex process of signing up for Medicare. We understand that the process can be overwhelming, especially for those new to the system. That’s why we have created a platform that provides you with all the information you need to make informed decisions about your healthcare coverage. 

Our team of experts is dedicated to creating blogs that are easy to understand and provide valuable insights into the world of Medicare. Whether you seek information on eligibility requirements, enrollment deadlines, or coverage options, we have you covered.

In addition to Medicare, we offer dental and vision insurance plans that can provide extra coverage. Our plans are designed to meet the specific needs of our customers and provide various options.

If you have any questions or concerns about Medicare or our insurance plans, our friendly and knowledgeable customer service team is here to help. We are committed to providing you with the support you need to make the best decisions for your healthcare needs.

If you have any questions regarding dental and vision plans, please don’t hesitate to call our office at 310-534-3444. Our team of experts will be more than happy to assist you and address any concerns.  

Question: I am almost 65 and wondering how I sign up for Medicare.

Tips for a Smooth Medicare Enrollment Process

When it comes to signing up for Medicare, there are a few things that you can do to improve the process and make it as smooth as possible. First and foremost, it’s essential to understand that you have several application options. You can apply online at the Social Security website, visit a Social Security office in person, or call Social Security at 1-800-772-1213. Whichever option you choose, be sure to have your personal information and relevant documents on hand to make the process quicker and easier.

One helpful tip is to apply for Medicare three months before your 65th birthday, even if you’re not ready to retire. This will help ensure that your coverage starts on time and you avoid late enrollment penalties. Additionally, if you’re still working and have health insurance through your employer, you may be able to delay your Medicare enrollment without penalty. However, it’s important to understand the rules and requirements around this option to avoid any complications down the line.

Another tip is to carefully review the different Medicare plans available and choose the one that best fits your needs and budget. There are various types of Medicare plans, including Original Medicare (Parts A and B), Medicare Advantage (Part C), and Medicare Supplement (Medigap) plans. Each plan has its benefits, costs, and restrictions, so be sure to research and compare the options before deciding.

Finally, don’t hesitate to ask for help if you need it. Many resources, including Social Security representatives, Medicare counselors, and online resources, are available to help you navigate the Medicare enrollment process. By educating yourself and making informed decisions, you can ensure that you get the coverage you need and avoid any potential issues or penalties.

What are the specific eligibility requirements for Medicare enrollment?

Medicare is a federal health insurance program that covers people who meet specific eligibility requirements. You are generally eligible for Medicare if you are 65 or older and a U.S. citizen or permanent legal resident who has lived in the United States for at least five consecutive years. 

However, there are some exceptions to the age requirement. You may also be eligible if you are under 65 and have a qualifying disability or end-stage renal disease. This means that if you have a severe health condition that prevents you from working, you may qualify for Medicare benefits before age 65.

In addition to meeting the age or disability requirements, you or your spouse must have paid Medicare taxes for at least ten years to be eligible for premium-free Medicare Part A. If you or your spouse have worked and paid Medicare taxes for at least ten years, you will not have to pay a premium for Medicare Part A coverage.

It is important to note that while Medicare provides coverage for many healthcare services, it does not cover all costs. There may be deductibles, copayments, and other out-of-pocket expenses that you will need to pay. However, Medicare coverage can help you save money on medical bills and ensure access to necessary healthcare services.

Is there a penalty for not enrolling in Medicare Part A at age 65?

It’s crucial to remember that if you’re not eligible for premium-free Medicare Part A and don’t enroll during your initial enrollment period, you’ll be subject to a penalty. The penalty can be a 10% increase in your premium for twice the years you were eligible for Part A but did not enroll. For instance, if you were eligible for Part A for two years but failed to enroll, you would have to pay the 10% penalty for four years. So, enrolling in Medicare on time is essential to avoid any penalties that could cost you more money in the long run. Don’t hesitate to contact a Medicare representative if you have questions about your eligibility or enrollment period.

Medicare Prescription Drug Coverage, Co-pays, and Eligibility Rules

Medicare prescription drug coverage, also known as Medicare Part D, is an optional benefit available to Medicare beneficiaries to help pay for prescription drugs. Private insurance companies approved by Medicare offer this coverage, which can be added to Original Medicare (Parts A and B) or a Medicare Advantage plan (Part C) that doesn’t already include prescription drug coverage.

To be eligible for Medicare Part D, you must be enrolled in either Medicare Part A or Part B. You can enroll in Part D during your initial enrollment period when you first become eligible for Medicare, during the annual open enrollment period from October 15 to December 7, or a particular enrollment period if you experience a qualifying life event.

When you enroll in a Medicare Part D plan, you usually pay a monthly premium, an annual deductible, and co-pays or coinsurance for each prescription drug you receive. The co-pays or coinsurance amounts can vary depending on the specific plan and the drug you need. However, programs are also available to help lower the costs of prescription drugs for those who qualify based on their income.

It’s important to review your Medicare Part D plan each year during the open enrollment period to ensure it still meets your needs and covers the prescription drugs you need. You can also switch to a different plan during this time if you find one that better meets your needs.

In summary, Medicare Part D is an optional benefit that can help you pay for prescription drugs if enrolled in Medicare Part A or B. You will usually pay a monthly premium, an annual deductible, and co-pays or coinsurance for each prescription drug you receive. To be eligible for Part D, you must be enrolled in either Part A or Part B and meet other specific requirements.

Understanding Medicare Enrollment: Simplifying the Process and Making Informed Decisions with Medicarecard.com

At Medicarecard.com, we understand that the Medicare enrollment process can be overwhelming, especially for newcomers. Our goal is to provide you with all the information you need to make informed decisions about your healthcare coverage and simplify signing up for Medicare.

We hope that this article has answered some of your questions and provided you with valuable insights into the world of Medicare. Our team of experts is dedicated to creating accessible and easy-to-understand blogs covering a wide range of Medicare enrollment, eligibility, and coverage options.

We aim to ensure you have all the necessary information to make informed decisions about your healthcare coverage. We are committed to providing you with the support you need to navigate the complex world of Medicare and ensure you get the coverage you need.

If you have any further questions or concerns about Medicare enrollment or our dental and vision insurance plans, please don’t hesitate to contact us. Our friendly and knowledgeable customer service team is here to help, and we look forward to assisting you.

Welcome to Medicarecard.com, your trusted partner for comprehensive dental coverage and freedom to choose your dental provider. We understand that Medicare is a widely used healthcare program that provides coverage for various medical services. However, it has certain limitations regarding dental services, leaving many beneficiaries with limited options for dental care. That’s where we come in to help. 

At Medicarecard.com, we offer several dental insurance options, including PPO and HMO plans and lower-cost dental discount plans that can help you save money on dental care. Our plans provide access to a broader range of dental providers and offer more comprehensive coverage for dental services, including routine cleanings, fillings, tooth extractions, and more. We also provide additional benefits, including coverage for orthodontic services and limited cosmetic procedures.

We understand that dental care can be expensive, so we offer a range of affordable dental insurance plans to fit your budget. By choosing your dental provider, you can ensure that you receive the quality care you deserve without feeling limited by the providers offered by Medicare or Medi-Cal. 

Are you someone who values the ability to choose your dental provider but feels limited by the dental services provided by Medi-Cal? Do you want a dental insurance plan that offers more comprehensive coverage and allows you to keep your current provider? If so, Medicarecard.com has you covered.

Don’t let limited coverage or high costs prevent you from getting dental care. Contact us today at 310-534-3444 to explore our dental insurance plans and take the first step towards a healthier smile.

Understanding Medicare’s Limitations on Dental Services and When They May be Covered

Medicare is a widely used healthcare program that provides coverage for various medical services. However, Medicare has certain limitations regarding dental services. In most cases, Medicare does not cover routine dental services such as cleanings, fillings, tooth extractions, or dentures, which can leave many Medicare beneficiaries with limited options for dental care.

That said, there are certain instances where Medicare may cover dental services. For example, suppose you are admitted as a hospital inpatient for a dental procedure due to your underlying medical condition or the severity of the procedure. In that case, Medicare may cover certain dental services. Additionally, Medicare may cover specific inpatient or outpatient dental services directly related to certain covered medical treatments. 

It’s important to note that dental service is necessary in these cases for the success of the medical treatment you need. For instance, if you need a heart valve replacement or a bone marrow, organ, or kidney transplant, you may be eligible for an oral exam and dental treatment before the procedure. If you need cancer treatment services like chemotherapy, Medicare may cover a tooth extraction to treat a mouth infection before you receive treatment. Finally, if you experience complications while receiving head and neck cancer treatment services, Medicare may cover treatment for dental complications.

Although Medicare does not cover routine dental services, knowing that certain circumstances may allow coverage is reassuring. It’s important to discuss your dental needs with your healthcare provider and explore your options for dental care.

Medi-Cal Dental Benefits: Comprehensive Coverage for Dental Services

Medi-Cal is a healthcare program that offers dental benefits to eligible people. Medi-Cal dental providers administer these dental benefits and cover various dental services.

One of the best things about Medi-Cal dental benefits is that there is no limit for covered, medically necessary dental services. This means that if a dental service is necessary for your overall health, Medi-Cal will cover it. However, there is a limit of $1,800 per year for covered dental services. It’s important to note that if other insurers also cover any of these benefits, those insurers must be billed before Medi-Cal.

So, what dental services are covered by Medi-Cal? The range of dental services covered by Medi-Cal includes but is not limited to:

•  Diagnostic and preventive dental hygiene, including examinations (every 12 months), x-rays, teeth cleanings (every 12 months), and fluoride varnish (every 12 months)
• Fillings
• Root canal treatments
• Scaling and root planning
• Crowns
• Emergency services for pain control
• Tooth extractions
• Periodontal maintenance
• Complete and partial dentures, including dentures, relines

You can access these services through a Medi-Cal dental provider if you are a dual-eligible patient. Most Medi-Cal patients receive dental services through Medi-Cal Dental Fee-For-Service; however, Medi-Cal Dental Managed Care is available in Los Angeles and Sacramento counties.

Don’t let the cost of dental services hold you back from taking care of your teeth. Medi-Cal has some dental benefits that cover a variety of services.  

MedicareCard.com: Samantha’s Story of Finding Comprehensive Dental Insurance Coverage

Samantha had always been diligent about her dental health, but as she aged, she realized the importance of having comprehensive dental insurance coverage. She was a Medi-Cal beneficiary, but she was unhappy with the limited dental services provided through the program. To explore her options, Samantha turned to MedicareCard.com.

After browsing their website and speaking with one of their agents, Samantha learned that MedicareCard.com offers dental insurance plans that provide more comprehensive coverage than Medi-Cal. She was impressed by the variety of plans available, including PPO and HMO plans and lower-cost dental discount plans, all of which could help her save money on dental care.

Samantha was particularly drawn to MedicareCard.com’s freedom to choose her dental provider, which was not possible with Medi-Cal. She had been seeing the same dentist for years and didn’t want to switch to a new provider just because Medi-Cal didn’t cover her preferred dentist.

Ultimately, Samantha decided to purchase an individual dental insurance plan through MedicareCard.com. She chose a PPO plan that offered a wide range of dental services and allowed her to keep seeing her current dentist. The plan was affordable, and she was pleased with the additional benefits, such as coverage for orthodontic services and limited cosmetic procedures.

Samantha felt more confident about her health with her new dental insurance plan. She could schedule routine cleanings and checkups with her preferred dentist, and she didn’t have to worry about unexpected dental expenses. She was grateful to have found MedicareCard.com and their helpful agents who guided her through selecting the right plan for her needs.

As time passed, Samantha’s decision to purchase individual dental insurance instead of relying solely on Medi-Cal proved to be the right choice. She had several dental issues that needed attention, including a root canal and a crown, which were covered by her plan. She was relieved she didn’t have to pay the full cost for these expensive procedures, which would have been difficult on her fixed income.

Samantha also appreciated the flexibility of her dental insurance plan. She could switch to a different dentist when her preferred provider retired, and she continued receiving the same quality care she had expected. She also recommended MedicareCard.com to her friends and family who were looking for more comprehensive dental coverage.

In conclusion, buying individual dental insurance from MedicareCard.com was the right choice for Samantha. The comprehensive coverage, freedom to choose her dental provider, and affordable prices significantly impacted her dental health and overall quality of life. If you, like Samantha, are a Medi-Cal beneficiary looking for more comprehensive dental coverage, visit MedicareCard.com or call 310-534-3444 to explore your options and find the right dental insurance plan.

Medicare is set to begin negotiating lower prices with drug companies in the fall as a part of President Biden’s Inflation Reduction Act signed in 2022. However, some key players are hoping to avoid these negotiations altogether. The leading industry groups filed a lawsuit against the administration in June, claiming that the program violates the First and Fifth Amendments. Who will emerge victorious in this legal battle over drug prices remains to be seen.

January’s unemployment rate was 9%, and that means that there are a lot of Americans who still need jobs. The local paper is a good way to find jobs close to home, and these days many jobs are posted online. Don’t forget that there are lots of government jobs out there too.  If you’re looking for a job or an internship with the federal government, you’ll find all federal job openings announced to the public at USAJOBS. Check out your state job bank for even more job opportunities in your area. If you need a job-seeking advice, look up your local Department of Labor office and see what services they offer to job seekers in your area.

And if the job sounds too good to be true, it probably is. Be aware of job scams.

During Women’s History Month, learn about influential women in American history, including military veterans, musicians, and a former First Lady.

Valentine’s Day is just around the corner. For me, that means I’ll be receiving a prank Valentine card in the mail from my mom, which was supposedly sent by one of the guys that I knew in my teen years. Despite her attempts to disguise her handwriting, I always know they are from her. As usual, I laugh at the card and she denies any wrongdoing. What a fraud.

Unfortunately, there are more serious frauds that are no laughing matter.  Have you heard of the term “sweetheart scam ”? It’s a term that refers to a situation where a scammer acts as if they are interested in developing a romantic relationship with you. They spend time with you (generally on online dating sites) and develop an emotional connection; however, their only intention is to take your money. Some signs to watch out for include:

• Quick declarations of love
• Insistence that you move your communication off of the dating site and use personal email
• Requests that you send money to pay for travel or emergency expenses
• Plans to visit you are prevented due to a traumatic event

Younger adults are not the only ones victimized by this type of scam. Seniors are particularly vulnerable to sweetheart scams.  In such cases, the scammer may be trying to get more than fast cash. They may also have long-term hopes of getting access to the senior’s financial assets and maybe even gain power of attorney. Isn’t that horrible?

You can report a sweetheart scam to the Federal Trade Commission for investigation. And if you choose to date online, use the same privacy tips that you would use on other social networking sites.

Do you have other tips to share about how to prevent this type of scam?

Just a few weeks ago, I wrote a post about not being caught off-guard in summer storms. Sometimes I need to learn to take my own advice.

This past Sunday a wicked thunderstorm tore through the Maryland, DC and Virginia area. There were tornado warnings in some areas and, though I don’t think any funnel clouds were actually spotted, the storm left quite a mess to clean up.

I wasn’t the least bit prepared for it. I had no idea storms were in the forecast. I was busy helping a friend move.

By the time I got back home, I found out my house had been without electricity for eight hours. Traffic lights were out everywhere, creating back-ups while police tried to direct traffic at some of the busiest intersections.

As I stumbled up the stairs by the glow from my cell phone screen, I tried to remember where I’d stashed my flashlight. I knew I had one somewhere, but of course when I found it the batteries were almost dead so the light flickered a lot.

Luckily, my power came back on about a half hour later. Being able to run the fans and the air conditioner helped cool the stuffiness and I was lucky that none of the food in my fridge had gone bad.

Several of my friends and coworkers aren’t expecting to get their power back until the end of the week. They’re getting by on candlelight and flashlights and eating most of their meals at restaurants since all the food in their fridges has gone bad.

It’s a crappy situation all around, but stuff like this always reminds me of the importance of being prepared in an emergency. FEMA has a great list of things to keep on hand, just in case, as well as advice on how to put a disaster kit together.

I know I need to find some new batteries for my flashlight. What’s one thing you need to do to be prepared for the next big storm?

Airline travel has gotten so complicated.  Security lines are long; there are extra fees for baggage; adults need to keep out their federal or state-issued ID through the checkpoint; and there are restrictions on what can be carried onto the flight.  The Transportation Security Administration’s (TSA) website is the first place to go to find out the truth about these restrictions.

Here are three things you can’t carry on to your flight:

1. Liquids over 3.4 ounces (including toothpaste)
2. Scissors (blades larger than 4 inches)
3. Knives with sharp blades, including pocketknives

Check the full list of prohibited items at the TSA website.

By the way, you can carry-on nail clippers, lighters, medications and knitting needles.

Are you curious about what happens to all the items that don’t make it through the security checkpoint?  Check out Blogger Bob’s answer on the TSA Blog.

If you have questions or comments on your security experience, you can send TSA an email via Talk to TSA.  It will be answered by the person in charge of security at the airport for which you’re commenting.  Happy traveling!

Arlene Hernandez is the manager of Kids.gov, the government’s official source for kids to find all kinds of government information.

When I was a teenager and hanging out at the mall, I used to see young kids whaling and crying and throwing a fit at the toy store.  I would think “Geez, what’s up with that kid?” and I probably rolled my eyes.

Now that I’m a mother of a 3-year-old, when I see that situation all I think is “Oh that poor parent… I feel your pain.”

The other night, my son had a big meltdown. He refused to put his pajamas on. First it was a whimper, but within a few minutes it was a full-blown tantrum, complete with yelling, tears, stomping and throwing his body on the floor. My husband and I were just looking at each other like “I have no idea what to do… Can someone please call Super Nanny?”

I wish that I would’ve known about the Child Welfare Information Gateway. They have a whole section on dealing with temper tantrums (also available in Spanish). Some tips to remember:

1. Redirect your child’s attention to something else, like a favorite toy or a trip to the library.
2. Remain calm and don’t lose control.
3. Hug or hold your child until the tantrum subsides.
4. Put your child in a quiet place where he or she can calm down.

So for all the parents out there – how do you deal with tantrums? Do time outs work for you? Has anyone tried using positive discipline?  Any suggestions for me and our readers?

National Institutes of Health scientists have discovered that the activation of immune cells called basophils causes kidney damage in a mouse model of lupus nephritis. These findings and the team’s associated research in humans may lead to new treatments for this serious disease, a severe form of systemic lupus erythematosus (SLE) that affects the kidneys and is difficult to treat.

When I was a little kid I can remember my mom warning me not to swim too close to the drains in pools and not to put my head under the water in hot tubs. She was concerned that my ponytail would get caught and I would drown.

I always thought that was a little morbid. I was just a kid and wanted to have fun.

But my mom had reason to be concerned. The Consumer Product Safety Commission launched the Pool Safely campaign earlier this week in response to the number of injuries and deaths from submersions and entrapments in pools and spas.

The commission released some scary statistics:

From 2005-2007, for children younger than 15, there was an average of 385 drownings in pools and spas each year.

74 percent of those fatalities happened at a home and not in a public pool.

The new campaign will help educate people about the simple steps they can take to make sure their kids stay safe around the water.

Tips include:

• Make sure drain covers meet compliance standards
• Install fences with self-latching gates around pools to keep children from falling in
• Don’t let kids swim unsupervised.
• Learn CPR to be prepared

What tips do you have for keeping you and your kids safe in the pool?