Search Results for: Health insurance

How to Find Affordable Women’s Health Services in Your Area

Staying healthy can be a mission, particularly in the rush of today’s modern world.

Tips and tricks are essential strategies for better health and wellbeing, but sometimes you need access to professional women’s health services. But how do you find them? More importantly, how do you find health services you can afford?

Here are a few ways you can find and access affordable health services.

Community Health Centers

If you don’t qualify for Medicaid coverage and can’t afford a health plan you can access women’s health services through your local community health center. They’re low-cost and how much you actually pay will depend on your income.

Community health centers are in both rural and urban areas. They offer many services including prenatal care, baby shots, and referrals for specialized care.

High School Wellness Centers

Many high schools have wellness centers that provide basic health services. If you’re a student at a school with a wellness center, you can access these services free of charge.

Wellness centers are different from school to school, but most provide the following:

  • Treatment for when you’re sick
  • Simple lab tests for diagnosing potential health problems
  • Preventive care including routine checkups and sports physicals
  • Immunizations
  • Mental health services
  • Substance abuse care and prevention
  • Sexual health care and education
  • General health education

Not all schools provide all these services. It’s important you check what services your school provides. Most schools will have a list on their website or a brochure available.

Most wellness centers need you to have parental consent to use their services. This will likely involve having a parent or guardian sign a general form. The form won’t give details on what kinds of services you’re accessing. That said it’s still a good idea to ask staff about confidentiality if you don’t want a parent or guardian to know why you’re accessing a wellness center.

College Student Health Centers

Many colleges offer a low-cost insurance plan. You simply sign up as you register as a student. This insurance will let you access the on-campus college student health centers.

Family Planning Clinics

Family Planning Clinics are a staple of women’s health care for a reason. They provide many women’s health services including:

  • Pregnancy testing
  • Ultrasound exams
  • STI testing
  • Birth control services

Most major cities have at least a couple of birth control clinic locations. The Office of Population affairs provides a free tool for locating a clinic in your area.

Free and Low-Cost Clinics and Health Centers

There are many free or low-cost health clinics around the U.S. The trick is finding them.

Sites like freeclinics.com let you search for free and low-cost clinics in your area. Most low-cost clinics will be income-based, meaning you’ll be charged depending on your income. While finding women’s health services specifically can take a bit of digging, it’s possible to significantly narrow down the clinics in your area by price.

Affordable Women’s Health Services Isn’t a Pipe Dream

We live in a tumultuous time for women’s reproductive rights. But accessing affordable health care is still possible. Using the above services will ensure you stay happy and healthy. Which means you’ll be able to give your best to your career and family.

Looking for ways to improve your health at home? Read about why diet and exercise are the keys to a healthy life.

How to Find Great and Affordable Auto Insurance

affordable insuranceIs your auto insurance policy carving a hefty chunk out of your paycheck?

If so, you’re not alone. The average American pays $1,325 every year for auto insurance. And in some states, like Maine, the average premiums are as high as $2,738 a year!

Finding affordable insurance can be a challenge, but it’s not impossible.

In this post, we’ll reveal our 11 best tips for finding affordable insurance.

1. Always Compare Rates

The surest way to pay more than necessary is to assume you know which insurance company has the best rates.

When’s the last time you compared your current policy with other companies? Have you ever compared insurance rates?

If not, it’s time to do some research. For example, autoinsuranceez.com research on Chicago premiums shows statewide coverage requirements as well as average premiums by zip code.

2. Consider Regional Insurers

You’re probably familiar with the major insurance companies like Allstate, Progressive, and Geico. To be sure, these companies may offer competitive rates for your area.

If you’re still struggling to find affordable insurance, you may want to consider local or regional insurers instead.

These smaller companies usually boast high customer satisfaction rates and low insurance rates.

3. Ask for Discounts

If you don’t ask, you’ll never know. You may have some discounts available to you that you weren’t aware of.

These may include:

  • Insuring multiple vehicles under the same policy
  • Having a clean driving record (no accidents)
  • Paying annually or semi-annually rather than monthly
  • Going paperless (receiving all documents electronically)
  • Installing anti-theft or other vehicle safety features
  • Belonging to a particular organization or group

Ask a few questions, and you might be surprised at the discounts available to you.

4. Improve Your Credit Score

Insurance companies place huge importance on your credit score. The lower your credit score, the better your chance of securing an affordable insurance rate.

How much does your credit score matter?

One study found that drivers with poor credit paid an average of $690 more each year than drivers with good credit. So if you want to lower your premiums, pay your bills on time and work hard to improve your credit.

As a side note, there are three states that do not consider credit rating for insurance premiums. These states are California, Hawaii, and Massachusetts.

5. Try Raising Your Deductible

Your deductible is the money you’re required to pay first after an accident. Once you’ve met your deductible, your insurer will cover the remaining costs of your claim.

The amount of your deductible is one of the biggest factors that determine your insurance premiums. The higher the deductible, the lower your monthly rate will be.

Many drivers don’t know this, but agents will allow you to raise your deductible to lower your monthly payments. This is especially helpful if you have a clean driving record since you’ll likely never need to pay the deductible.

6. Embrace Your Age

What’s the first thing we all dreamed of when we turned 16? Getting our driver’s license, of course!

Unfortunately, driving is quite the luxury for most teenagers. The average 16-year-old pays a whopping $8,226 a year for auto insurance.

The good news is these rates drop significantly the older we get. 25 seems to be a magic number for more affordable insurance. Rates typically stay low until we reach 55 or 60.

7. Change Your Vehicle

Did you know that the type of car you drive has a direct impact on your insurance premium?

It’s true. The newer the car, the higher the cost to repair or replace it. You’ll also need full insurance coverage until you pay the car off.

Insurance premiums are also higher on certain types of cars, like sports cars or luxury vehicles. If you’re struggling to find affordable insurance, consider trading your current car for one with lower rates.

8. Bundle Your Policies

Besides your health insurance, how many other insurance companies do you use?

Many of us have a different policy for our cars, our house, and our recreational vehicles. It’s worth looking into the possibility of bundling all these separate insurance plans into one policy.

This means you’ll only have to work with one insurance agent every year. More importantly, you may also save money on all your insurance premiums.

9. Limit Coverage on Older Cars

It’s easy to opt for full coverage on all our vehicles, figuring it’s the safest way to go.

If your car is older, though, you may not need collision or comprehensive coverage. These are designed to cover the cost of your car in the event of an accident, theft, or vandalism.

For older cars, though, the premiums may end costing more than the car is worth. And since maximum payment is limited by the value of the car, you may not end up getting much, anyway.

10. Consider Storage Insurance

Is one of your cars a seasonal vehicle? You may not need to insure it year-round if you only drive it for part of the year.

If you put your vehicle in storage for any length of time, consider switching your premium to storage-only insurance.

You won’t be able to drive the car under the coverage, but it will definitely make for a more affordable insurance policy.

11. Vehicle Safety Features

Your insurance agent will consider many different features of your car to determine your monthly premium.

The technology in newer cars makes them safer to drive than older vehicles. You can lower your premiums by having current safety features professionally installed in an older vehicle.

Another solution? Purchase a newer car that already includes these features.

Automatic seatbelts and rear airbags are two major features that can lower your auto insurance. You might also consider installing a car alarm, especially if you live in an area with high crime rates.

Final Thoughts on Affordable Insurance

It might take some time and effort to find affordable insurance, but the results are worth it. You can use the money you save to do something fun with your family instead.

We like the sounds of that much better than continuing to pay those high insurance premiums.

Be sure to check out our latest frugal living posts for more great money-saving tips!

How to Maintain a Happy and Healthy Family

healthy familyEnsuring the health and happiness of your family starts by example.

Are you making the effort to take care of yourself between getting the kids ready for school and running around doing errands? A few simple switches in your routine can make a world of a difference in maintaining a healthy family.

How do you know where to start?

We have the simple tricks you need to get everyone back on track to a better life.

Ready to learn more? Read on!

1. Prepare Healthier Meals

Do you find yourself popping more meals in the microwave than in the oven?

If so, your family’s health may be suffering. A little planning ahead can make a big impact on everyone’s eating habits.

Go grocery shopping with a plan in mind for the week and keep to it.

Will you have time to make dinner every night or should you plan to make extra for leftovers? Meal prepping makes the cooking process much easier throughout the week while ensuring everyone is eating better.

If all the members of your family are on-the-go, try adding some healthy snacks to the mix. Choose trail mix with bits of chocolate instead of candy bars. Or, grab baked or tortilla chips for the potato-chip-lovers in the house.

2. Set a Sleeping Schedule

If your kids are a little older, they probably might not have a regular bedtime anymore.

Between early mornings to work and taking care of things around the house, you and your partner may not get enough shut-eye either.

However, better sleep can improve everyone’s overall quality of life. The many benefits of sleep include an improved memory, sharper attention span, and even a longer life.

Maintaining a good sleeping schedule is almost like having the best life insurance policy. You’re investing in your health now to make sure your family stays in tip-top shape as you all grow.

Plus, sleep improves your mood. When everyone in the house is sleeping better, you may find yourselves all getting along more, too.

3. Play More

The more everyone’s mood improves, the more you can encourage play in the house, too.

You may think your kids get enough play time on the soccer field at school. However, when is the last time everyone got together for some fun?

Playing is essential to a healthy family no matter how old you all are. It creates a better family dynamic by relieving stress and creating special, happy memories.

If your family struggles to make playtime because of busy schedules, try to encourage coming together at least once a week.

Pick a day to have a game night (at a decent time) or plan a weekend trip in the nearby area. For even greater health benefits, try exercising together.

You’d be amazed what some quality time can do to increase the level of happiness and unity in your family.

A Healthy Family Means a Better Life

Creating healthy habits for you and your family may seem overwhelming, but it can be as easy as the steps listed above.

The more effort you make to play, sleep, and eat smarter, the better everyone’s health and mood will be.

While you’re at it, it never hurts to score great deals and learn frugal tips to keep a financially-healthy household as well!

Have you tried any of tips mentioned? Tell us your favorite tricks to maintain a healthy family in the comments below!

Traveling While Pregnant: Tips for Future Moms

flying when pregnant

If you’re an expecting mother, it’s understandable to be worried about flying when pregnant. While flying is generally not harmful during a low-risk pregnancy, there are potential side-effects and factors to consider before taking a trip.

Before you take off, you should always consult with your midwife or doctor about any health issues or pregnancy complication to confirm it’s safe for you to fly when pregnant.

If your midwife or doctor have said you’re okay to fly, chances are you have nothing major to worry about. But just because you can fly, doesn’t mean the idea of flying when pregnant isn’t still scary. But if you follow these tips and tricks, we guarantee you’ll have a safe (and enjoyable) flight.

Tips for Flying When Pregnant

When you’re pregnant, the safest time for you to travel is during your second trimester, which is between the 18 and 24th weeks of pregnancy. This is the safest time because your risk for miscarriage and preterm labor are at their lowest.

It’s generally not advised for you to travel during your third trimester, so if you’ve planned any traveling, you should try to stick to a domestic travel destination within 300 miles of your home in case there are any sudden changes.

Tip: Check in With Your Doctor Before You Fly

Before you fly, you should ask your doctor to write you a letter giving you permission to travel, noting your due date, and detailing any pregnancy complications that a doctor at your travel destination might need to know. You should also ask your doctor the following questions:

  • How should I prepare for any temperature or climate change?
  • Are there any factors I should consider about flying?
  • Are any special medications or vaccinations required for my trip?
  • Are there any special food restrictions I should keep in mind?
  • Are there any activities I should avoid?

By asking these questions you can learn the dos and don’ts of flying and traveling when pregnant.

Tip: Check in With Your Airline

Not all airlines have the same policies regarding women flying when pregnant. In fact, some airlines don’t allow more than 35 weeks pregnant to fly. So before you book your trip, you should ask the ticket agent or airline representative about what those restrictions may be.

Even if there are no restrictions, you should still contact the airline to guarantee any special service you may need to keep your comfortable on the flight. We recommend that you avoid smaller planes that fly low, and instead choose a larger plane with pressurized cabins.

You should also keep in mind you most likely won’t be able to waive any ticket change fees and penalties that are incurred.

Tip: Don’t Fly if You Have Any Pregnancy Complications

Women who are experiencing complications associated with their pregnancy are considered “high risk” and shouldn’t be flying when pregnant as they near their due date. These complications include diabetes, sickle cell disease, hypertension, and risk for premature labor.

You should also avoid air travel when you’ve had a placenta-related problem or if your doctor has advised against it based on your current state or medical history.

Tip: Pick the Right Seat

Picking the right seat for your flight can make all the difference when it comes to overall comfort. For the smoothest ride, you should request a seat in the middle of the plane over the wing. If you need more legroom, you should consider paying for an upgrade that will allow you stretch and flex your fee to minimize and prevent swelling.

Tip: Dress Comfortably

Comfort is important when you’re pregnant, especially when you’re pregnant on a plane for an extended period of time. To make your flight more comfortable, you should wear loose clothing and avoid crossing your legs. You should also wear your seat belt strap over your lower lap and keep it securely fastened just in case there is there is any turbulence during the flight.

You should also wear comfortable shoes and try to take regular walks around the plane every 30 minutes. This will aid your circulation and help lessen any risks of blood clots.

It’s also important to pack lightweight clothing you can easily layer to accommodate any changes in temperature and climate that occur when you reach your travel destination.

Tip: Pack Appropriately

Every mommy-to-be should pack a travel bag that will keep her safe, comfortable, and happy while traveling. While you should travel light and smart, you should also make sure you have the following things:

  • Compression socks to promote blood circulation
  • Small lumbar pillow for sleeping
  • Snacks like granola and trail mix
  • Anti-nausea medication
  • Easy-to-wheel luggage

If you’re not sure what else to bring, check out a mommy blog for

In general, remember to pack light and avoid heavy lifting so you don’t get injured! If you’re less suited for long-distance traveling or at risk, Green Trousers has products that can make getting around easier.

Tip: Bring a Copy of Your Prenatal Records

You should always bring a copy of your prenatal records and medical notes on your flight. You should also research where the nearest hospital or medical facility is located at your travel destination. These records will help a local doctor understand the circumstances of your pregnancy if a situation arises.

You should also keep your health insurance on you at all times and remember that medical expenses abroad are generally higher. If you do require foreign medical care, make sure to keep copies of all health care receipts.

Final Thoughts on Traveling When Pregnant

Traveling can be fun, but if you’re pregnant it can be tiring and often overwhelming. If you’re traveling when pregnant, remember to take care of yourself and travel on your terms. Don’t feel guilty about bailing on activities that are exhausting, and if need be, take some time to pamper yourself on your trip.

Are you a mommy-to-be about to go on a trip? Are there any tips or tricks we missed? Let us know in the comments!

The Incredible Effects of Prenatal Massage

prenatal massageIf you’re not familiar with prenatal massage, it’s a type of massage that’s similar to regular massage. However, it’s customized to a pregnant woman’s needs.

A pregnant woman’s body is constantly changing. Prenatal massage helps ease sore areas, improves overall circulation and mobility and relaxes tense or sore muscles.

It also helps pregnant women “just feel good”.

A trained prenatal massage therapist adjusts their massage techniques to the needs of a pregnant woman, focusing on the neck, back, abdomen and shoulders.

They understand that a pregnant woman has very specific sore and swollen areas, and can help provide deep relief.

They’ll also know what areas to avoid.

Let’s take a further look into the benefits of prenatal massage, and find out if it’s right for you.

The Many Benefits of Prenatal Massage

There’s not a ton of high-scale research that’s been done on the overall therapeutic benefits of this type of massage. However, smaller studies tell us that prenatal massage can:

  • Lower stress and improve mood
  • Reduce swelling in legs
  • Help diminish anxiety and prenatal depression
  • Lower the risk of premature birth or low birth weight in babies of women suffering from prenatal depression

Prenatal massage also helps put pregnant women in a better overall mindset. It can help them cope with all the huge changes that are about to transpire in the coming months.

Remember to tell the massage therapist about any and all areas of the body that need attention. If anything is causing discomfort during the massage, don’t hesitate to let them know.

Find the Best Therapist Possible

Start out by getting recommendations. These can come from your hospital, healthcare provider, or friends and family

If you’ve used another massage therapist in the past and enjoy their work, find out if they have prenatal massage training or can direct you to a colleague who does.

Also consider visiting the American Massage Therapy Association. They have an online referral system that will show you recommended therapists throughout the US, Puerto Rico, Canada and the Virgin Islands.

If you’re in the Colorado Springs, CO area, Turning Point Medical Group is a great choice.

Some therapists will request clearance from your midwife or doctor prior to providing treatment. Make sure to ask about this as soon as you can.

Also, make sure to remind your therapist when you arrive that you’re pregnant.

How Much is it Going to Cost?

In general, a one-hour massage session will run anywhere between $60 – $150 (sometimes more depending on your location).

Keep in mind that some health insurance plans cover parts of the cost, even if you’re self-employed.

This is only true, however, if you get a prescription from a midwife or doctor that indicates massage therapy is needed for medical reasons (like severe back pain).

If you have a Health Savings Account or Flexible Spending Account, you can pay for the massage therapy out of either and save money on taxes. All you’ll need is paperwork from the provider that shows the massage as a medically necessary procedure.

Have You Tried It Yet?

We’d love to hear your thoughts about this type of therapy and if it’s been beneficial for you and your baby.

Have you had a good experience with a prenatal massage? Let us know in the comments!

How to Get a Job in a Hospital with No Experience: The Ultimate Guide

how to get a job in a hospital with no experience

You’re the nurturing type. You’ve always dreamed of working in a hospital, nursing home, or anywhere else you can help people. You’re not alone. Over the course of the next six years, medicine is projected to have the largest growth of any industry in the country.

The only problem is that this would be your first medical job, and you’re not sure what kind of hospital jobs there are for people with no experience. Well, it turns out that there are quite a few. All you need to do is think outside the box a little.

Check out these ideas for how to get a job in a hospital with no experience and see how you can make that dream a reality.

Figure Out Your Ideal Choice

Healthcare is a very complex field, and a lot goes into making any medical facility run smoothly. This means that there are a few different types of work with a few different requirements.

If you’re the more hands-on type who wants to deal with patients and help them directly, then you might want to look into medical school. Keep in mind, not every care job requires a degree.

Among those that do require a degree, there is no one-size-fits-all approach. A medical doctorate may qualify you for most jobs, but that’s a lot of time and money to use if you just want to be a Radiologic technician or a phlebotomist.

For those who prefer a more bureaucratic, behind-the-scenes approach, there are plenty of clerical and secretarial positions in the medical industry. These types of jobs often require education, but of a different kind.

Instead of medical procedures, those going a clerical route will need to learn medical terminology and various medical office functions.

How to Get a Job at a Hospital with No Experience: Medical

Now that we’ve gone over the broader types of medical jobs, it’s time to get into specifics. What kinds of medical jobs are out there for rookies? Specifically, what are some of the more treatment-centered jobs you might be qualified for?

It’d be pretty time-consuming to go through each one in depth, so below is a list of some of the various jobs, and a few major details for each one.

  • Medical or Healthcare Assistant This is the technical term for the person who takes your weight and blood pressure before an appointment, cleaning beds and helping hospital patients get dressed, and other cleaning and basic medical duties. Medical assisted typically need one or two years of schooling.
  • Dental Assistant A dental assistant is someone who works with a dentist, performing occasional medical tasks and paperwork. At most, you may have to earn an associate’s degree and pass a certification test. The average pay is between 17 and 18 dollars per hour.
  • Dental Hygienist Since we’re talking hands-on medicine here, another job you might consider is a dental hygienist. Dental Hygienists are much like dental assistants, except they have less paperwork, get to work more with patients, and generally, get paid more. Becoming a dental hygienist typically requires about as much education as a dental assistant and both have to pass a certification test.
  • Lab Worker Technically, there are a lot of different jobs in this category, and a lot of factors depend on what exact job you choose. Regardless, laboratory workers usually require an associate’s degree, while a few others will require a bachelor’s degree.
  • Registered Nurse Perhaps the most obvious medical career next to a doctor, a registered nurse is a medical practitioner who performs all manner of tasks, most of them medical. Becoming a registered requires a bachelor’s degree, and the working hours are often less-than-ideal, but the payoff is worth it. RNs make well above the national average, with the typical salary being about $32 per hour.

How to Get a Job in a Hospital with No Experience: Clerical

Perhaps you’re not the type who is comfortable dealing with patients. Sure, you know the importance of the business, but needles and blood and all the rest aren’t something you’re comfortable dealing with.

That’s perfectly okay because there’s a lot more to medicine than just getting your hands dirty. There’s plenty of clerical work that goes into it as well, from secretaries to transcriptionists, there truly is something for everybody. Though there aren’t as many careers in this category, there is still a decent amount, so we won’t go into much detail.

  • Medical Transcriptionist Perfect for somebody with exceptional typing skills, a medical transcriptionist is a person who listens to recordings of doctor visits and other forms of medical consultation and creates a typed copy for record-keeping purposes. Medical transcriptionists typically need a one-year vocational degree or an associate’s at most.
  • Medical Secretaries Less heavy on typing, but big on paperwork, medical secretaries perform many functions. They help with billing a patient’s insurance and keeping medical histories. Medical secretary work requires vocational training.
  • Medical Records and Health Information Technicians Much like secretaries, these workers are responsible for organizing patient records and making sure they are current. Like others in the field, this job requires vocational training or an associate’s degree.

The Best Medicine

So, let’s revisit the question of how to get a job in a hospital with no experience. It turns out that there are a lot of different ways, and it all depends on what career you wish to pursue.

You may be looking for a medical job or a clerical job, and either option will change your path a bit. First and foremost, though, it almost always comes down to education.

Whether you need to know the medical terminology or actual medical procedures, there are college programs for it. That’s definitely a good thing because most medical jobs won’t even look at you unless you have the right certification or degree. On the bright side, medical jobs are in high demand, so there is definite job security in it for you.

If by any chance, you need any extra advice, we’ve got your back. Whether you need to know about pay stubs, or want advice on becoming a medical writer, we’re here to help.