What to Know About: Insurance »
In the event of a disaster that affects your home and property, what are your options?
5037 Veterans Memorial Blvd Ste 1aMetairie, LA 70006
From Business: Welcome to Stephen Babin DDS, where we are committed to providing high-quality dentistry and putting your needs first. Our caring and qualified dentist, Dr. Steph…
1275 7th StSlidell, LA 70458
From Business: AT CCFD. We're always working to stay ahead of the curve. The Proven techniques. State of the ART materials. And advanced technology that we incorporate into OUR …
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…
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This is the only dentist that makes me want to go to the dentist, when you walk in he greets you with a smile an makes your day. I would recommend to any & all people, he's also very truthful with what you need then or can wait for it to be done at a later date if you want.
This office is completely gorgeous. The dentist and staff is great. Its the most modern office I have ever seen in Nola. I didnt have to wait for along time unlike some offices. All my questions were answered in a timely manner. I'll go back anytime I have any dental problems.
Love this dentist! they are so friendly and you always leave there we taken care of! this has been my trusted dentist for a few years now!
wonderful dentist very nice staffexplained all work needed had tv's in all treatment rooms received great work
Dr.Amos is AWESOME. She restored my smile back to perfection and she is super sweet to my children. She has a great eye for detail and cares deeply about the art that can be dentistry. Definitely my new dental home
I saw the previous rating and felt this place deserved a better rating. I've used Bippos for both of my kiddos and have always loved them. My oldest had a few cavities when I first brought her in. Because of her age and the fact that she was freaked out I opted for her to be strapped down. The facility does not do that without your signed permission. My daughter was crying a lot, so was I, but if she got too bad they stopped, unstrapped her and let me cuddle with her until she calmed down. They also played a cartoon show or movie for her while they were working on her teeth. They only capped 1 tooth then because it is too much for the child to do more at once so I had to bring her back abother day to do the other. My kiddos love the play area in the lobby. They love the little toys and balloons they get to choose after they get their teeth done. The girls who clean their teeth and all are very friendly, play and laugh with them, they even tell them each step they are going to do in a way that they will understand. The only issue I had was being told they could do everything the hospital pediatric dentist could do for my other child who is autistic. When I brought him in I found out they could not. That can only do a cleaning for him if he will let him but if he needs to be sedated or anything I had to bring him to the hospital pediatric dentist. If I had known that I would have brought him there in the first place. Although I was disappointed about that I still highly recommend Bippos Place. Would love to see more of them around. I drive from Chalmette to there.
WORST dental appointment ever!Everyone I encountered at Louisiana Dental Center on St. Claude Ave. was completely incompetent. I arrived early for my appointment and was taken back exactly when my appointment started ten minutes later. After going in the back I sat in a chair for 30 minutes before even being seen. After 30 minutes I got a shot of local anesthetic in the gums, after which the assistant handed me the suction and said "this medicine is going to make you drool, I'll leave this with you" and then she left. I continued to sit there ALONE for an additional 30 min before the doctor returned. By this time the anesthetic was worn off so I could feel the pain, she then had to give me another shot. During the duration of the procedure, other workers came in and out of the area conducting small talk which i found inappropriate for the workplace, ignoring the fact that i was even in the room. In the middle of the procedure I required an X-ray. The girl doing the X-ray tried twice and failed, so someone else had to do it a third time. Between each X-ray i sat alone in the room for 10 minutes each time, with no instruction and a painful object in my mouth still holding the suction instrument myself. What are you people getting paid for?! Following a second round of X-rays the doctor and staff entered talking about how glad they were gonna be when this long procedure was over, still completely ignoring my presence. By the time they were finishing the procedure the anesthetic was again worn off but I didn't complain because by this point I had been there for two and a half hours, and didn't want to prolong this horrific visit. When I was led out of the procedure I was given NO follow up instructions for my aftercare. They handed be a prescription not telling me really what it was or for how it should be taken. In conclusion this was the WORST experience I've ever had at the dentist and would recommend that no-one go there. Never once did anyone ever explain anything or tell me what to expect. Be WARNED. Louisiana Dental Center on St. Claude Ave.is UNPROFESSIONAL and INCOMPETENT.
City Park Dental is beyond amazing ! Dr. Linhuber and his staff are wonderful, they make you feel comfortable and at ease. I’m a mother of a 7 year old and had a horrible experience with my son having work done in the past at another dentist office. What I saw happen to my son in the dentist chair had me traumatized. [(Traumatizing experience) as a mother you want the best for your child and to protect them. My son had to be strapped down in a restraint jacket after he told the doctor he felt pain. He was crying, chocking, and sweating profusely. I felt so helpless because I couldn’t do anything. I never let him go back there again.] I told the staff at City Park Dental what we had already been through in the past and how I won’t let my son go through that again. City Park Dental gave me different options on things they can do to make the experience as comfortable as possible, they were not pushy and didn’t forced me to make a decision right away. My son had to have a dental crown put in and that experience was amazing, I was able to let go of my fears. They really made us feel like family.
Had a crown come off and needed it repaired. They fit me in right away. They exceeded my expectations. Friendly staff, great service and reasonably priced! I have found my new dentist!
I showed up early and I had to wait 2 hours to be seen. It took 30 mins for someone to finally give me an X-ray and I thought the dentist was supposed to give you mouth wash before they remove teeth but they didn't! This was my first time at this place and I got my cavities filled and a tooth removed and I was not prescribed any antibiotics afterwards; now I have an infection. Regardless if my insurance would've covered it or not I wasn't given the option to decide to pay out of pocket for the medication. I might consider legal action if there's no solution to my pain. I will turn everyone I know away from this place! The staff was not professitonal and the dentist doing my teeth even said it herself ! She also said a dentist left because of the staff!
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.