What to Know About: Insurance »
In the event of a disaster that affects your home and property, what are your options?
3435 N Belt Line Rd Ste 119Irving, TX 75062
From Business: It's a good idea to consider more than just your immediate needs when getting insurance. That's why we'll ask you a lot of questions right from the start — to help you gauge what you need now, what you may need soon and what may be down the road a ways. Together we can discuss coverage options for your current situation wh…
2585 Macarthur Blvd Ste 300Lewisville, TX 75067
From Business: Since 1992, Dianne Clark Agency has served the insurance needs of the Lewisville and surrounding communities of Flower Mound, Highland Village, Corinth, Lantana, Copper Canyon, Double Oak, Bartonville, Carrollton, Hickory Creek, Lake Dallas, Hebron, The Colony, and Coppell. We have grown to a staff of five agents with an a…
3200 Broadway Blvd Ste 400Garland, TX 75043
From Business: Welcome to Davis-Dyer-Max Inc. We are an independent agency with the customer in mind. We have relationships with dozens of insurance companies, allowing you to get the right coverage for the right price with the right services. Whether you have the ideal history, preferred companies desire, or a not so perfect history, we…
3501 Gus Thomasson Rd Ste 25Mesquite, TX 75150
From Business: Welcome to Family Financial Group, Inc. serving the Dallas Metroplex for over 20 years. Robert and his team are a locally owned and operated insurance agency. Whether your searching for Auto, Home, Life or insurance for your boat or jet ski, we have the coverage you need at an affordable personalized rate. Give us a call f…
6011 Morriss RdFlower Mound, TX 75028
Steve's office provides great personal service, and they take the time to review my policies on a regular basis to see if I might be able to save money on my insurance. I appreciate the fact that I can call and speak with him or his staff and get personal service instead of calling a phone bank …
2900 Long Prairie Rd Ste AFlower Mound, TX 75022
I've had so many insurance companies call me lately asking for my business. They all tell me that they can save me money, but I say, "Nope, I'm not changing!" One carrier said he could give me $900 per year on my health policy, but I said, "No, I'm not even changing for $900!" I have an agent th…
1625 N Story Rd Ste 126Irving, TX 75061
From Business: Our mission is to help people manage the risks of everyday life, recover from the unexpected and realize their dreams.
2717 E Belt Line Rd Ste 109Carrollton, TX 75006
They really need a lesson on how to talk to customers and return phone calls. I've been with state farm 11 years and after changing to this agent, I'm really considering my loyality to SF.
In the event of a disaster that affects your home and property, what are your options?
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
The holiday festivities are over, but January doesn't have to be a drag. It's actually the best time to finish projects and organize your life – all while having a little fun.
***WARNING, DON'T DO BUSINESS WITH STEVE ALLEN***This is the first time I have ever written a review about any business but I felt that the residents of Flower Mound and the surrounding area need to know these facts.I was a customer of Steve Allen State Farm for over 8 years and never really had a problem except that one the few occasions that I left him messages he never returned my call only his staff would. Two months ago I decided to switch agents to an agent closer to my home, after switching to my new agent he did a review of my policies with me (Steve Allen had never done this in 8 years), my new agent found that I had been paying between $750.00 and $1,000.00 a year too much for my homeowners insurance for 8 years (that's a lot of money). I called Steve Allen's office and received a call from him the next day, he was very rude and condescending to me and even called my new State Farm several derogatory names, and telling me it is my responsibility to make sure my policies are what they are suppose to be (I thought that was why I hired him as my insurance agent) before hanging up on me. I guess you only see someones true colors after you decide not to do business with them. I will continue to do business with State Farm but will let everyone I know about what a POMPOUS JERK Steve Allen really is.
I would like to express my gratitude towards the doctors for providing comprehensive treatment for shoulder injury.
By far the worst experience with any doctor I've ever had in my entire life. I went in for an upper respiratory infection and she walked in the room - didn't even examine me and told me my problem is I have acid reflux. WTF who does that? I rarely have any kind of heartburn - she said acid reflux caused my upper respiratory infection and asthma - I asked her if it was possible to have acid reflux at 5 years old because that's when I was diagnosed with asthma - she just gave me a blank stare then told me I need an upper GI X-ray - wtf - wonder how much of a kick back she gets on that very expensive test - she finally did examine me and prescribed a Z-Pac for my infection - I will never go back to her as long as I live - she's rude and has no concern for her patients - and PS SHE CHARGED OVER $400 for this horrid experience
I was able to schedule an appointment pretty quickly and the nurses were extremely nice! I have been having severe abdominal pain and after talking to Dr. Steephen, she thought it was probably Crohn's or Ulcerative Colitis. We did an endoscopy and colonoscopy a few days later..The scopes came back to show that there was only mild inflammation in my intestines, which she said wouldn't have been causing such severe pain so if the biopsy came back and it wasn't something microscopic, then we would check my gallbladder. She wasn't very friendly after the scope was done and I was asking her questions. I called later that day to let her know that the pain in my stomach seemed constant and concentrated in one area...her answer was "go to the ER or maybe you should have your ovaries or gallbladder checked because I didn't find anything". She was short and rude. I was told to take an antacid, but she has no treatment plan or next steps.
Duane Baccus State Farm is always so helpful in getting our insurance policies in place and changes when necessary. I also appreciate them being mindful of the coverage and cost on all our policies. The entire staff at this office is focused on customer service, and it shows in the way that I am treated when I need assistance.
Duane and his staff are very courteous and answers all my insurance questions and concerns.
I have had home and auto policies with Duane Baccus State Farm for over 25 years. When I recently purchased another home my first call was to this office. Whenever I have had to call this office, something stressful has happened usually leaving me feeling vulnerable and numb. I have been extremely satisfied with the prompt service, comforting assistance during trying times, and the caliber and knowledge of the excellent staff. When I call the office, the voice on the other end invariably makes me feel better and not “alone.” I highly recommend this agency to anyone who wants prompt, courteous service and excellent coverage at a reasonable price with a staff that makes every effort to build a personal relationship with their clients.
I just appreciate that they are local and have an office that I can call. They are always there when we have a question or need assistance with our insurance. My brother has Geico and has to deal with a call center, and I am so glad that I don't have to do that.
I've had so many insurance companies call me lately asking for my business. They all tell me that they can save me money, but I say, "Nope, I'm not changing!" One carrier said he could give me $900 per year on my health policy, but I said, "No, I'm not even changing for $900!" I have an agent that I know and trust, and that's important to me. When I had my back surgery, Duane even called to ask if there was anything he could do for me! Other companies just don't do that! I've been a State Farm customer for many years, and they are like friends to me! I know that I can call or come in anytime, and they will be there for me!
I’ve been a customer with State Farm for several years, and I’ve always been happy with their service. Everyone at Duane Baccus’ office is knowledgeable, friendly, and quick. They really care about their customers!
Physicians and surgeons help to keep people - from infants to the elderly - as healthy as possible. These individuals provide diagnoses and treatments for a wide variety of ailments, and preventative care and early detection for more serious illnesses. Whether you love or hate going to the doctor, the fact is your physician is there to listen to your health concerns, take preventative measures against diseases and advise you on your options for staying in tip-top shape.
In 2013, there were more than 1 million doctors of medicine in the U.S., over 854,000 of which were active. Additionally, in 2012, there were about 18,000 active general surgeons in the country. It's important to know which type of physician or surgeon you need, how to choose the best one, and account for other considerations in order to stay healthy.
Patients can choose from a wide variety of physicians depending on doctor specialty and what problems they are experiencing. Here are a few of the most common types of physicians that you may see in your lifetime:
Your GP is the doctor that you go to for regular checkups, vaccines and to identify health issues. GPs can treat many different illnesses and injuries, from the common cold to a broken arm. If your health requires a second opinion or expert care, the GP will refer you to a specialist who has the skills to focus in on the issue.
Heart attacks and heart disease are some of the most common afflictions seen across the country, making cardiologists important to your long-term health. These physicians specialize in studying and treating the heart and related diseases.
Other than a GP, the dentist is likely the most common physician you'll ever see. These professionals work with the human mouth, ensuring that your teeth and gum health are up to par. Patients typically go to the dentist twice a year.
Dermatologists are focused on skin-related issues and diseases, from skin cancers, to acute acne, eczema, psoriasis, and general cosmetic concerns like aging and scars. Most will also perform annual or semi-annual mole checks to screen for any signs of melanoma, the most serious form of skin cancer.
If you have a number of sinus infections or have had your tonsils taken out, you've likely seen an ENT specialist. ENTs handle ailments related to the ear, nose and throat, often related to taking out tonsils and treating hearing issues.
For many women, their gynecologist and obstetrician are the same person. These professionals work with the female reproductive system to focus on reproductive health, fertility issues, prenatal care, options for new and expectant mothers, neonatal care and childbirth. OB/GYNs can also help in the early detection of breast or cervical cancer.
There are obviously a number of physicians that you can choose from, but how do you know if they're the best choice for you? Here are a few considerations to help you pick a physician:
Look at Your Insurance
Before you get down to the details, you need to verify which doctors are covered by your insurance and whether they are in or out of your carrier's network. Rates may be cheaper if the doc is in network – a doctor can be covered by your insurance but not necessarily in network. Out of network is typically more expensive. Doctors often add and drop plans, so it's important to ensure that your options are compatible with your insurance plan. Doing your homework will help you avoid unexpected expenses.
Check for Board Certification
Your physician should be certified through the American Board of Medical Specialties. Doctors must earn a medical degree from a qualified school, complete three to seven years of residency training, be licensed by a state medical board and pass one or more ABMS exams to be certified.
Examine the Reviews
Reviews of a doctor can reveal a lot about what your experience may be like. People may grade on staff friendliness, availability and effectiveness of treatment. Looking at these evaluations and getting recommendations from family and friends can direct you toward a physician for your needs.
Surgeons can literally hold your life in their hands, and it's important to find the best one that can put you at ease and treat you effectively
You need to feel comfortable with your surgeon. It's important to communicate your concerns and that your surgeon can respond adequately. Surgeons should be willing to go over the details of your procedure and answer any questions that you may have. They must take the time to discuss and address your worries.
If you're going in for surgery, you want someone that knows what they're doing and has a high success rate. Ask how often the surgeon performs this surgery and try to find one that regularly does it. This will give you peace of mind that you're in capable hands.
Your decision on a physician or surgeon can be majorly affected by the insurance plan you have. You may have insurance through employment, your spouse, your parents if you're under 26, or the marketplace if the previous options don't apply to you. It's important to understand how your insurance works to have the full picture of what you'll need to pay for.
Your insurance will have a deductible, which is the amount that you're responsible to pay for covered medical expenses. Some plans have coinsurances, where you must pay a certain percentage of the bill, and insurance will cover the rest. Co-pays state a flat rate for certain services, like paying $20 when you visit your GP or a $100 co-pay for an emergency room visit. Once you reach your out-of-pocket maximum, which will differ if you're an individual or within a family plan, your insurance may pay for 100 percent of covered medical expenses for the rest of the plan year.
If you plan to go to the doctor, need medication or have been recommended for surgery, call your insurance provider or go online to see what your plan covers. You can choose the best doctor for your needs, understand your options and prevent yourself from being blindsided by medical expenses.
Most doctors require a phone call for an appointment, although some may provide online scheduling as well. Be sure to have your insurance card with you when you set an appointment, and to bring it with you to the actual appointment. They need the ID numbers to verify your coverage, and will usually make a copy of the card for their files so you don't have to show it again unless your insurance changes.
When you call, let them know if you're a new patient, as this will require you to complete some paperwork for your first visit. Tell them the reason for your visit, such as your symptoms if you're feeling sick. It's also important to inform them if you have Medicaid and to find out if you need to bring anything to the visit, like current medications or medical records.
From here, the receptionist will likely ask what dates and times work best for you. During your call, it's important to be honest about your symptoms and the reason for your visit. This information will help the doctor treat you and give him or her an idea of what to expect. Your appointment may progress faster as a result, and the doctor can come prepared with a list of options to better care for you.
Doctors see a number of patients in a day, sometimes in 15-minute increments in areas where the physicians are in high demand. This can leave little time for doctors to perform thorough examinations, and they can end up missing certain problem indicators. While some problems, like a cold or flu, can be diagnosed in this time, more complex ailments require attention, which takes up time. Reviews can illuminate which doctors actively spend the necessary time with their patients and which ones are pressed against the clock to meet demand.
Surgery has some more dire risks attached to it, so be sure to talk to your surgeon about the potential issues that can come up as a result of your procedure. If a patient has a reaction to anesthesia, it can cause very serious complications, but this is an uncommon occurrence. Blood clots can be a significant problem after surgery, often caused by inactivity during recovery. Infections, numbness, scarring, swelling and death are all possible, but the likelihood of these issues will vary depending on the type of surgery you're undergoing. Talk to your doctor about your concerns and your risk potential.
Surgery affects people in different ways, but as you begin to emerge from anesthesia, you'll want to alert your nurse to any issues you may have. The nurse will tell you how the procedure went, what effect it will have on your condition, what to expect when you get home and how long it will take to get back to normal. If you start feeling pain, the nurse may give you medication to stop it from getting worse. When possible, it's also advised to move around to avoid blood clots from developing in your legs. This can be as simple as occasionally flexing your knee or rotating your foot.
Some surgeries are outpatient procedures, where people are released the same day. For major surgeries, patients may stay at the hospital for a few days to be monitored and address any concerns before being sent home. Discuss with your surgeon the projected length of the hospital stay and what you need to bring.
Your recovery time and follow-up expectations will vary depending on your procedure. For example, you can be expected to be on your feet within a few days of having your wisdom teeth taken out, but it may be weeks before you have fully recovered from a broken foot or heart-valve surgery. Your surgeon will give you a list of things that you'll need to do during this time, including what medications to take and when you'll be able to get back to work and other activities.
Every surgery will have a follow-up call or appointment to discuss your recovery and allow you to ask any questions about unusual symptoms or changes in your overall health. If you have a major operation, like heart surgery, it's important to make regular checkups with your doctor or a specialist to ensure that everything is normal. Visiting a doctor will help deter infection and verify that everything is healing as expected. These appointments will give you peace of mind about your state of health and ensure that any issues are caught early on.