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Maternity Care in the U.S.

The recent birth of the royal prince cost $15,000.  That sounds like a lot, right?  It is, but it’s only half the cost of a birth in America.  That’s right: the average price of a birth — in a normal hospital, not a luxury wing — in the U.S. is $30,000.  That makes us, according to an in-depth article by The New York Times, the nation that pays the most for maternity care.  Yet, we also have one of the highest infant mortality rates in the developed world.  It seems like these two things should counter one another, but in … Continue reading →

Right in the Kisser

How much would you pay to ensure that your child’s pearly whites are straight as an arrow when she flashes a winning smile? Depending on how crooked your kid’s teeth are to start, the cost of standard orthodontic care runs between $5,000 and $7,000 with most dental insurance plans covering only a fraction of the total. So, imagine how poor you’d be if your kid had to wear braces for 11 years. As in 11 years straight. Or, basically, your kid’s entire childhood. For the record, most kids wear braces for two to three years. I was forced to wear … Continue reading →

Pennsylvania Cuts Medicaid Dental Coverage

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The state of Pennsylvania has decided to cut back on the dental coverage currently offered in their Medicaid program. Medicaid is an insurance for people who are low-income. It is unlikely this group will be able to afford to purchase a private form of dental insurance. I’ve noticed a disturbing trend. It seems that when a state is interested in making cuts, in order to reduce costs and fit within a budget, those cuts come out of the programs that are designed to help the people who have the lowest income. This would be the group that is least able … Continue reading →

Money Really Doesn’t Grown on Trees

One of the hardest things about being a single mom is having to say no so much. When you get divorced you learn quickly that if you don’t stand your ground the kids will walk all over you. Even if you’ve been the softie in the past you learn to stand up and say no. The kids don’t like it, and at first it may seem to make things worse, but once they learn you mean it, life just gets better. It’s always made me sad to have to tell Hailey no about things she wants that I just can’t … Continue reading →

I Could Use a Spouse Right Now

What an experience this has been! Hailey was in a car accident on Wednesday. Fortunately everyone in both vehicles was okay. Unfortunately the car is totaled. These past few days have been really hard on my own. Being a single parent is physically exhausting but sometimes the mental exhaustion is worse. I felt so torn between staying with Hailey to make sure she was ok and doing all the things the insurance company needed me to do. Did I do the right things? I haven’t filed an insurance claim in twenty five years so I had no idea where to … Continue reading →

How Can I Protect My Family’s Finances?

Despite our best efforts to plan and budget, sometimes things happen that throw our families’ finances so far off track that we may wonder whether we will ever be able to meet some of the financial goals that we had set for ourselves. Things like retirement, college educations for the kids, and even home ownership can seem like distant fantasies when times get tough and you are living in survival mode. The good news is that as bleak as things may seem, all is not lost. You do not have to give up on your family’s financial goals. With some … Continue reading →

What Does Dental Insurance Cover?

Many Americans do not have any form of health insurance at all. Those that have health insurance often find that dental care is not included as a part of that policy. An inability to afford regular dental checkups can lead to an increased risk of tooth decay, and periodontal diseases. Dental insurance can help cover the cost of visits to the dentist. However, having dental insurance does not necessarily mean that the insurance will cover all of the dental care that you need. Dental insurance policies generally cover up to a maximum of $1,000 to $2,000 worth of dental services … Continue reading →

Insurance Terms: A

A | B | C | D | E | F | G | H | I | J-K | L | M | N | O | P | Q-R | S | T | U-V | W-Z AAA Insurance: Help on the Road and Beyond, AAA is well known for their roadside services including towing as well as their trip planning tools. Today AAA offers a wide range of insurance products. Accident: Is an unforeseen, unexpected, or unintended event. Accidental Bodily Injury: Is the physical injury caused to someone resulting from an accident. Accidental Death Benefit: For a … Continue reading →

Insurance Blog Week In Review March 13-19, 2007

Insurance Term Of The Week: Underwriter I sure have been finding the Parental Liability Blogs very interesting to write. It seems that we are responsible for a wide range of things our children might do as we raise them. This series has sure made me rethink some of the things I expect from the system. Parenting is a real risk financially and some of the ways we are responsible are interesting. Wednesday, March 14, 2007. Four More Parental Liable Issues Negligent Supervision is a legal theory where a minor child’s parents are held liable for their child’s negligent acts when … Continue reading →