What to Know About: Insurance »
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3731 NW 40th Ter Ste AGainesville, FL 32606
From Business: At Northwest Family Dental, your smile is our mission. From mouth exams to cosmetic services - our goal is to keep you smiling so you can enjoy meals, laugh confi…
In the event of a disaster that affects your home and property, what are your options?
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I have been a patient of Dr Larrick for 5 years. He is a great dentist and a great guy. I first went to Dr Larrick when I heard that he did the bonding restorative process.I had injured my front teeth in an accident years before, and my front tooth was discolored, to the point it looked like it had been knocked out in photos and videos. My family and friends recommended this person and that person but all they wanted to do was to put crowns in.I don't know if you are familiar with that procedure or not but it involves grinding your tooth down to the root, drilling a hole in it, jamming a post into the hole, and then cementing a lab made tooth onto the post. You have to come back multiple times for this or that to set up, and for the crown to be made. The whole process sounded hideous so I went years with ugly looking teeth and didn't smile much. Dr Larrick was able to correct that in a single afternoon with very little discomfort and great results. I can eat apples, steak, corn on the cob, etc. When I tell people I've had work done, they ask where is it? I show them and they can't tell the difference betweeen my real teeth and the bonded ones. Dr Larrick was able to match the color and shade so closely, you can't see a difference.I go to Smiles on 13th for cleanings and checkups as well. The staff is professional, courteous, and prompt. Karen is a wonderful hygenist. If you are looking for a dentist who won't rip you off, do alot of unnecessary procedures, who will minimize your discomfort, and give you the benefit of his 35 years in the practice, then Dr Larrick is your man. Highly recommended!Joe LisankeGainesville, Fl
The last time I had my teeth cleaned I was fifteen and the last time I sat in a dental chair was for an extraction when I was 25. I researched several offices recommended by my friends and a couple co-workers but all the reviews made it seem like they weren't well equipped to handle someone who put off going to the dentist for seventeen years. When I read the reviews for Dr. Skoby's office I felt optimistic that she might be able to handle the issues I knew I would have so I made an appointment. I was slightly apprehensive about my first visit but the small office and inviting staff helped to tone down my jitters. After all the x-rays and a quick look around my mouth Dr. Skoby gave me her verdict. I needed a lot of fillings and a bridge. I wasn't really surprised. What did surprise was the reasonable prices for all the work I needed done and the quality of care I've received. I started my journey back in January of this year and one debridement, teeth cleaning, and so many fillings I've lost count I'm nearing the end of my mouth overhaul. Just a couple more fillings to go and the bridge and I'll be done with the major work but I won't be done with Dr. Skoby. She is beyond excellent when it comes to the quality of her work and her staff is on par with her. I would recommend her to anyone but especially if you need major work or feel uncomfortable in a dental chair.
They made sure every single question I had was answered, and are always available if I think of any more questions I want answered. Their staff is the most friendly, welcoming staff I've ever dealt with. They are so warm and professional, and make the whole experience that much better. I was so impressed with the progress I was able to make after visiting them. All my questions were answered, and I feel a lot more confident and hopeful about the future. The office was very easy to locate. I didn't have any trouble finding it at all. Dr. Larrick pulled two teeth which were very difficult to extract but he did it slowly and painlessly and got the job done. I am completely impressed with Dr. Bruce Larrick's work. Excellent dentist. Other dentist had refused to do the job, but not Dr. Larrick. He made it so easy. Wonderful atmosphere in the room too. I highly recommend Dr. Bruce Larrick for all your dental needs. 5 stars!
Dr. Carlos Peidra recently rescued me after I listened to bad advice from another Dentist. I had developed an abcessed tooth and Dr Peidra performed an emergency extraction for me. I had never had a major tooth issue before and I didn't know how bad things had gotten. I was taken in and taken great care of after not sleeping for 3 days with tooth pain. The take home message...choose a compassionate, professional & knowledgeable dentist like Carlos Piedra. If I had gone to Piedra Dentistry the first time, I would not have the bad tooth experience...I would only have the great dentist experience.
Piedra's office was very clean and well kept. The staff and dental assistants were very helpful and calming and there was not a sense of judgment once so ever. Dr. Piedra was very kind and gentle, he was mindful of fears and concerns. When a situation came where he could not help personally he found a specialist that was well recommended and affordable! They are now our family dentist and I don't think I could find a better dentist for my children or myself. Great Place!
I have really enjoyed my experience in Dr. Skoby's office. Everyone is extremely friendly. Dr. Skoby takes the time to explain every dental procedure and the experience is totally painless. She is meticulous about what she does and genuinely shows concern for my dental health. I am always taken into the office at my appointment time and there is really no wait. Overall, my experience at Dr. Skoby's office has been great and I highly recommend her!
Definitely check it out! I went there to get a cleaning and some fillings. Everyone there is no nice! They make you feel so comfortable and at home. The hygienist there that cleaned my teeth was so gentle and so nice. I also stayed to get some fillings done the same day and everything went smooth. When the doctor was getting me numb, I didn't even feel the prick of the needle! Everything went awesome and I definitely recommend coming here!
I am usually so nervous and dread going to the dentist but I absolutely loved my experience at this office! The entire staff was so friendly and welcoming and Dr. Piedra was kind and helpful during my visit. Everyone was so knowledgeable and went the EXTRA mile to explain certain medical terminology to me. Never felt one ounce of judgement! By far the best dentist visit I've ever had. I feel like I'm being taken care of!
This was my first root canal. I was referred by a relative so I was confident everything would be well. Boy was I wrong!! Dr. Goldfaden was aware that my tooth was badly infected. Knowing that Dr. Goldfaden still tried to perform a root canal. It was the worst pain & experience I've ever had from a dentist. To make a long story short I had to end up going to an Oral Surgeon to get the tooth extracted immediately.
All I can say is WOW! This is the best dental visit I have ever had. I was nervous about changing dentist but am so glad I did. I seemed to be just a number at my previous dentist but not now. I love that Dr Skoby is in with me at every appt and answers all my questions. She is very direct and does not beat around the bush. I had insurance questions and the staff was very helpful. Will not be changing dentists ever!!!
To mitigate the risk of loss, people purchase insurance policies from a company. When buying a policy, the person agrees to pay a premium, which is small, regular payment based on the losses that may occur. If the insurance provider determines there is a greater chance of risk as compared to the average policy, the premium is usually higher. Premiums are often paid monthly, and can add up over time up to be greater than the expense of replacing the insured item.
Many types of insurance only cover a certain amount of risk on an item. The amount the policyholder must pay before an insurance policy begins covering an expense is called the deductible. In the event of damage or loss to whatever the policy covers, the policyholder is responsible for the deductible no matter what. If the cost of damage or loss is less than the deductible amount, the insurance company does not pay anything. If the cost is greater than the deductible, the policyholder only pays the deductible, while the insurance pays the rest. Generally, the deductible amount is related to your premium, with a higher deductible usually requiring a lower premium, and vice-versa.
Selecting the right insurance involves careful research and evaluating many different options for coverage. This is why many people use an insurance agent to assist with making the right choice depending on their needs and financial situation. Agents often interview potential or current clients to get an idea of which insurance policies would benefit them the most. Based on their needs and individual risk, agents can often give potential customers a quote, which serves as a cost estimate for a specific policy. This is only a rough idea of what the policy will cost, because evaluating the risk associated with a given customer can take time. Insurance companies often compile an insurance score to quantify the risk an individual poses and calculate premiums accordingly. Credit scores play a major role in insurance scores, but past insurance-claim history is also taken into account.
While agents often specialize in a particular category of insurance, some sell several different types of insurance. Agents can work for a larger insurance company or operate independently, selling policies from several different insurers.
Almost anything of value can be insured to protect against loss due to a variety of circumstances. Insurance policies are very specific in the items they protect and in what event the policy holders will be reimbursed. Some of the most common insurance policies cover things we all use.
Millions of Americans drive a car to get from place to place each day, so it makes sense that auto insurance is one of the most commonly used types. In most states, the law requires drivers to maintain an active insurance policy on any car, up to a certain amount. Most car owners are required at minimum to purchase liability insurance, which protects against damage for which the policyholder is at fault. Liability insurance covers damage to property as well as any injuries sustained in an accident. It's important to note liability insurance only covers damage or injuries of others, not the policyholder themselves. In addition to liability insurance, car owners can also purchase coverage for their own vehicle and medical expenses in the event of an accident. For this purpose, liability, vehicle and medical coverage are often packaged together in a single policy.
Insurance can also be purchased for other vehicles, like motorcycles, ATVs, boats or RVs, and generally functions similarly to car insurance. Policies for alternative vehicles may have higher premiums if they are considered more dangerous, or might include other coverage options specific to the vehicle. Many companies that provide auto insurance will also offer coverage for motorcycles, ATVs, boats and RVs.
Your home, condo or apartment is probably the most valuable thing you own or otherwise pay for, so it makes sense to get it insured. Homeowners insurance is important not just for the security of the house itself, but for its ability to cover possessions inside the home as well. Many mortgage lenders also require an active home insurance policy.
Like auto insurance, homeowners insurance is typically bundled together with policies covering many different items or categories of items. The primary coverage type is for the dwelling, insuring the house itself and all structures attached to it. Policies may also cover property within the home, with premiums varying depending on the value of all assets. Personal liability may also be included for damage or injuries sustained on your property that you are responsible for, much like auto insurance.
Property insurance also may cover certain major events outside of your control. These are known as perils, and may include fire, flooding, natural disasters and other catastrophic events. You may want to purchase insurance against one or more of these perils if you live in a high-risk area. Flood insurance is an exception, however, and can be purchased through the government-sponsored National Flood Insurance Program. Your lender may require this if you live in a flood-prone area.
To help pay for medical expenses, many people rely on their health insurance. With the passing of the Affordable Care Act, almost every American is required to enroll in a health care plan, or they face a penalty. Health insurance works similarly to other forms of insurance, although it is probably used to cover expenses more often, since car accidents and home damage are relatively rare compared to doctor visits and the need for medicine. Health insurance also operates on a premium-deductible model, and policyholders can choose what level of coverage works best for their lifestyle. For example, if you visit doctors very infrequently, you may consider a plan with a low premium and a higher deductible. On the other hand, people who require regular medical care may wish to pay a higher premium in exchange for more coverage from their deductible. Dental and vision care are sold as separate plans and are not required by law.
When someone dies unexpectedly or is injured severely enough to be unable to work, it can be a financial disaster for their family or loved ones. Many people choose to purchase a life insurance policy to support their family in the event their regular income is suddenly lost. Life insurance comes in two basic types: term and universal. With a term life insurance plan, you pay a premium for a predetermined amount of time, usually 10 years or more. If you die at any point in that timeframe, your family receives a death benefit. If you're still around when the term is over, the coverage is canceled and you receive nothing. Universal life covers your entire life, and usually delivers a minimum benefit at death.
Travel insurance is available for individuals who want to protect against unexpected setbacks in the course of travel, whether it's losing luggage or medical treatment abroad. Travel insurance may prove particularly useful for people who travel a lot for work or often visit remote locations. Travel insurance can take the form of either specific or blanket coverage. Specific coverage is useful for covering only certain risks, like medical emergencies or unexpected trip cancelation. Blanket coverage may cover some or all of your expenses for your entire trip.
Pet insurance is a relatively new product that may help cover the costs of medical care for a dog, cat or other domestic animal. Medical care for animals can be very costly, particularly because insurance for them is rare. By paying into a premium, you can help offset the cost of unexpected emergencies as well as routine checkups and medication. While virtually unheard of a few years ago, pet insurance has become more popular as the cost of veterinarian care has continued to rise.
Umbrella insurance is extra coverage from liability for other insurance policies, usually home or auto insurance. Consumers may choose to purchase an umbrella policy if their home or car is more expensive than a typical policy would be able to cover. For example, most car insurance liability policies cover at least $25,000 per person or $50,000 per accident. But if the accident involves a very valuable car, or the victim is willing to pursue legal action, insurance may not even begin to cover the full cost. You may want to hedge your risk by purchasing umbrella insurance to add extra protection to your existing policy.
To receive a payout for an insurance policy, the policyholder must file a claim with the insurance company. The basics of the process are straightforward, but can vary depending on the type of insurance.
Claims Adjusters and Examiners
A claims adjuster or claims examiner is an employee of an insurance company, and the person responsible for evaluating claims and determining if the company will reimburse the policyholder at the amount provided. An adjuster inspects claims related to property damage, as in the case of auto or home insurance policies. Claims examiners are typically involved in health and life insurance, and review medical records to determine the proper payout for major medical procedures.
How To Make a Claim
Filing an insurance claim can be stressful and confusing, but you need to begin the process as soon as possible to make certain you can recover your losses. It's important to note that in the case of emergencies, you should always call 911 first. The safety and health of yourself and others takes precedent over insurance.
Auto Insurance Claim: If you're involved in an accident, you need to call the police right away and have them document the situation. You can file a claim upon obtaining the police report. It's also a good idea, if possible, to take your own notes at the scene. The most important things to record are what happened before the accident, the date and time, traffic signs in the area and road conditions. Also be sure to get the other driver's name, address, license plate number and insurance information. Even photos taken with a cell phone camera can help the claims process. Once you have this documentation, call your insurance company right away.
Homeowners Insurance Claim: In the case of damage, take pictures of the affected area as soon as any safety or health emergencies are resolved. Take note of what happened and all the relevant circumstances and report to your insurer as soon as possible. If any of your possessions were damaged, use an inventory of your important assets and make note of this in the claim. Once an adjuster has made their own report, review it for accuracy.
Life Insurance Claim: Send your insurer a claim form for each beneficiary in the plan, as well as a certified copy of the policyholder's death certificate. With the proper information, life insurance claims are generally straightforward. Problems may arise if the policyholder has died within two years of opening the policy. In this case, an attorney may be needed to settle the claim.
Insurance is a wise investment, but it can make a dent in your monthly budget. Thankfully, there are a variety of ways to trim the fat off your premiums and make certain you are paying only as much as you need.
Shop and Compare
Perhaps the best way to save on any insurance policy is to take the time to compare prices between as many companies and plans as possible. Even after you've chosen a plan and started paying into it, consider looking around again when it comes time to renew the policy. Consider using an independent agent when searching for a new insurance policy. While traditional agents can still find a good deal, independent agents can choose from a variety of providers and tailor your coverage to your specific needs. The Internet has also made comparison shopping easier than ever before. Potential customers can often get free quotes online very quickly.
Buy Only What You Need
Insurance agents will often try to "upsell" on various extra products that may be useful for certain people, but are generally excessive for the average consumer. Stick with basic plans that cover as much as you need without any additional costs. For example, if the annual cost of your auto insurance is 10 percent or more of the total value of your car, drop all but the most essential coverage. This is especially applicable if the car you drive is older and could be replaced with savings. Otherwise, you are paying for insurance that will never actually benefit you in the event of a serious crash. It can help to create a budget and know exactly how much income you have to work with before making a decision on a new policy.
Take Advantage of Discounts
Insurance providers offer a wide variety of discounts for all kinds of special customers or circumstances. In one of the most basic discounts, many companies will offer lower rates for customers who purchase home, auto and life insurance policies from the same provider. Car owners may get a rebate from taking a safe driving course. For those with teenagers on their plan, good grades can earn a small discount as well. Insuring multiple cars with the same provider may also lower premiums. Some providers will offer lower rates for military personnel, federal employees, teachers, first responders and their families.