What to Know About: Insurance »
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In the event of a disaster that affects your home and property, what are your options?
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After a while it started to feel like I was at a shady mechanic shop and the mechanics was trying to up sale me on everything they could. I never knew this assisted in the dentistry industry. The Dentist was just trying to make some extra cash. So I agreed once again to have the minor chip fixed. What a BIG mistake. The dentist did a poor job on filling the chip tooth. She used a shade that wasn't not a match to my current teeth color making my smile appearing irregular and the chip was more noticeable than before. It took multiple visits to get the proper shade to match my current teeth color. That was just the start of the nightmare services offered by Key West Dental Association. After a few months the deep scale cleaning that the dentist performed on my teeth wasn’t covered by my insurance company. Why you ask??? Well because I never needed it in the first place. This dentistry association will make false diagnosis to gain additional income. I had a long ongoing claim for years with Key West Dental association and my insurance providers. Come to find out the pockets that were supposed to be at a certain depth wasn’t necessary for the deep scale cleaning. My insurance wouldn’t cover it and Key West wouldn’t acknowledge that they did not need to do the work. I tried every possible option to correct the billing error on my account and Key West Dental Ass. continued to disregard and ignore my disposition. Now let us fast forward to 2017. I recently get a letter in the mail saying that Key West sent my bill to collection and it's on my credit report. So of course I follow up with my insurance company about this ongoing claim. Come to find out my insurance provider actually paid Key West for the services after all in June of 2017.
I've been going here for years and have always had top notch dental care, from cleanings to fillings to extractions and a dental implant. This is a great one stop shop for all your family's dental needs!
not open,no agents,no paymentsno one at address no insurance soldresidence address is not a business, residential address
I went to Dr. Jafari because I had pain and sensitivity in a tooth that had been crowned months earlier by another dentist. Dr. Jafari spent considerable time examining my tooth and asking me questions before he decided that a root canal was in order. He provided a very thorough explanation and answered all of my questions. He and his assistant made sure that I was comfortable throughout the procedure and I was not in any pain. Within a couple days, my tooth was healed. I have had no pain or sensitivity since then (It’s been a few weeks). I am very pleased!
I am very pleased with the quality of work and the level of professionalism demonstrated by the technicians at Factor Appliance. Prices are fair and the appointments are punctual. Repairs have held up nicely, restoring our appliances to original performance levels.
Exceptional service from Adrian, the owner at Factor Appliance. He was knowledgeable, honest and fixed my problem in one visit at a beyond fair price. Highly recommend!
Dr. Sasan Jafari saw me for a tooth that required either a root canal or extraction.Jafari advised a root canal over extraction, using phrases like "needed it done yesterday" and "once-and-done."He declared the root canal operation a success, despite levels of pain in my tooth and sensitivity to hot and cold, indicating a failed operation.Tooth was examined by another endodontist, who says the tooth is infected and that I should ask my endodontist to re-do the root canal or apply funds for an extraction. After discussing with Jafari, he denies all responsibility for his work.I paid over $6000 [out-of-pocket] for Dr. Jafari's services and recommendations. I'll need to spend an additional $5,000 to recover from Jafari. Total over $10,000.The problem is that Dr. Jafari is more interested in running a business [and pocketing money] than a healing medical practice.!!! My advice is to find someone who accepts dental insurance and who is willing to stand behind their work. !!!
Very happy with the service we received. The technician was friendly and was able to get the part we needed and install it in about an hour. We had tried using Bray & Scarff and had already waited three weeks! Factor came the next business day.
Dr. Lili Ghazi an excellent dentist. During my lifetime I have been seen by about 12 different dentists. On the top of my list are Dr. Brager, who is in his early 80's as I am typing this and Dr. Lili Ghazi, a young lady, who is extremely sharp and loves her profession . Dr. Ghazi does not quit until she achieves perfection, without compromise, period! She makes sure that the patient is comfortable by taking her time in caring for her patient.
I went to this dentist because I am a member of The Dental Network owned by Care First Blue Choice. My wife made the appointment for both of us because she had to take off a day from work. She told me they did not ask what we were coming in for, but when we got there the receptionist did ask what we came in for. My wife said she needed two bond fillings which take about 3 to 4 minutes each and wanted a cleaning and check up while she was there. The receptionist never said anything, just showed her back to the chair. She than asked me what I needed done and I told her to replace the bond filing he put in last time which fell out after a few weeks and also asked for a cleaning and check up since I was there. She looked up to see when I had my last cleaning and said I was due for it. She showed me back to another chair before I spoke to or saw my wife. He replaced the one bond and I asked him to see if I needed anymore, which he said no, but I know I did. After he finished the one bond which was all of five minutes, he said I was done. I asked what about the cleaning or check up and he said to ask the receptionist. She than informed us the dentist said he will only do one procedure per visit. I called the office today and spoke to the receptionist and again she said this is his policy. I told her I was never told this or I would never have come in and changed dentists, which I did before I called. Under my insurance, if I had a cleaning, checkup, xrays and fillings on the same visit, it would be a total of $20.00. This I can see why he makes this policy. You have to take off work for each procedure and pay another $20.00 per visit, and per procedure. He only does implants on weekends because its much more money so he doesn't want to make them take off work and most all insurance wont pay for implants. Last time I was there alone, I asked the receptionist if she can fit my wife in on a weekend so she doesn't have to take off work and she said she will do it, but months later did not. I will dispute my credit card as I told them I will and write to the Dental Network. I spoke to other insurance companies he is a member with and even they think this is unethical. I cant say his work is good or bad except the bond he put on only lasted a few weeks and he still charged me to replace it.. The receptionist said I will not get a refund and services were rendered, but not what I was told or wanted. I would not recommend this scammer to anyone, I would not give him even one star but the system makes you give at least one.
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.