What to Know About: Insurance »
In the event of a disaster that affects your home and property, what are your options?
In the event of a disaster that affects your home and property, what are your options?
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.
Insuring your wedding ring saves you headache and heartache in certain situations, but is it really worth it? Find out the pros an…
This business did all of the installation of my plumbing, heating and air conditioning for my new build completed in Nov 2016. In the fall of 2017 they installed a humidifier on to the furnace they had installed previously. In spite of numerous visits from their service repairman, water continued to slowly leak under the vinyl tile flooring in the HVAC room and into the adjacent hallway. When the water to the humidifier was completely turned off, the leaking stopped. However, Rick, the owner of the business, refuses to take any responsibility for the damage to the floor caused by a faulty installation. We have received a repair quote from the flooring manufacturer (who also believes it should be replaced by Prairie Center) for $750 and that is what we requested, but instead of working with us, Rick hung up on us. While I have found the servicemen to be very pleasant to work with, the same is not true of the internal office staff.
My experience with Steven Kohnle agency in Olathe Kansas was a living nightmare. I began to get new quotes for 2 autos after a divorce where I was insuring 4 autos. I began on April 7, 2017 for a policy that was to end on June 3, 2017. Calls were not returned, quotes were made for 3 vehicles vs. 1, subsequent quotes were made but bills were $800 more per 6 months than quoted and finally Farmers took over $1500 out of my bank account without notification. The final quote was over $2500 per 6 months for 2 vehicles when I paid $just over $1800 for 4 vehicles in Dec. of 2016. I cancelled all of my insurance including vehicles, boat, and home and went to another group where I paid ~$1300 for all three policies. It is now almost 1 month later and I still have not been credited for what was taken from my account electronically and the agency will not answer my calls inquiring. The lack of professionalism and customer care is appalling. During the Kansas City Corporate Challenge this agency was marketing their agency with heavy promotion. The trailer and set up was impressive and expensive looking; however, the real story is that the agency does take care of business. If this agency if a representation of Farmers Insurance is a disaster. And let it be known that I rarely write a review this scathing about a business. But this experience deserves for all to know.
My staff is the reason for the growth of my agency. Providing proper insurance and service for our clients is our number one goal at the Steven Kohnle Agency! Please let me know if I can help you. We can provide a FREE insurance review.
Steven is a great agent. Easy to talk to and very knowledgeable about every aspect of insurance. He handles business in a professional manner.
Netzer was very knowledgeable and explained everything he did. Have always been very pleased with all their techs. used them since 1986!
Mom was right again. :) She recommended One Hour to me and their technician couldn't have been nicer. Joined the maintenance program so now I know I get service within 24 hours if I ever have a problem! Awesome sauce.
Called to schedule an appointment to check non-functioning furnace and was told the $69 service visit fee would be waived since the furnace was under One Hour's warranty, (I bought the home after the original owners had it installed 5 years ago and told this to the person taking my call). Because of this, I decided to go ahead with the appointment, otherwise I would not have. Once the tech arrives and does his inspection the story changed to a mandatory $69 service call fee whether or not a warranty is in place. It's not acceptable to tell a customer one thing on phone to get them to schedule and appointment and then change the terms of the agreement after coming out. As a new customer I would have been happy to come back to One Hour if they had honored what they said they would do but I am never returning now and am telling all my friends/neighbors to stay away.
One Hour came highly recommended by my neighbor who recently bought a new furnace and a/c from them. He had gone on and on about how they did everything from seal his ductwork to vacuum his floor when they were done. So when my furnace went out, I gave them a call. Now I know first hand just how good these guys are. I actually spoke with a live person on the phone after midnight, and they had a technician at my house at dawn. The technician's name was Jordan. He got right to the problem, fixed it, and showed me how the problem could be avoided in the future. He spent over 2 hours at my house after fixing the problem! Way above and beyond great customer service.
They fixed my furnace on CHRISTMAS morning. Enough said! Awesome, awesome customer service. You now have a customer for life. Thank you.
Couldn't be happier. They had a tech out the same day and had the heat on in no time. Very professional. Very thorough.
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.