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Are Surgeons Hands Insured

author
Elaine Sutton
• Thursday, 19 November, 2020
• 16 min read

This question was posed to us recently by a prospective client looking for hands insurance. The short answer: yes, you can insure your hands.

hands surgeons royalty surgeon surgical preview dreamstime
(Source: www.dreamstime.com)

Contents

Unless you are a rock star, movie star, or an athlete, there is an easier way to insure your hands without directly insuring them through Lloyd's of London. Ok, so you need to trim the fingernails, apply some lotion, and put a band-aid on that cut.

Next to your brain, we see the means to your achieving financial independence. You can’t find a profession where you don’t use your hands.

If you are an electrician, plumber, carpenter, or some other trades person, you definitely use your hands. Insuring a body part can be an expensive proposition (you may have heard that Lloyd's of London insures body parts) on its own.

Or, if you are diagnosed with a health condition that prevents you from working? A hands' insurance policy WON’T pay in those cases.

It is a policy that will pay you a monthly benefit if you become disabled, on or off the job, from a sickness, illness, injury, or accident, and you can no longer work or no longer work full time. In other words, it is a policy that is designed to protect your income.

hands surgeons surgeon operation surgical during teamwork close
(Source: www.videoblocks.com)

So, if you injure your back and can’t work, a disability insurance policy will pay a benefit. If you are diagnosed with cancer or ALS, a disability insurance policy will pay.

You just received your paycheck and need to pay some bills. While you may think the cost of disability insurance is expensive, it is not.

Your estimated disability insurance amount automatically calculates. We take an educational approach to disability insurance.

We have helped many individuals obtain affordable disability insurance. Contact us or fill out the form below to learn more.

If you want to look into hands insurance, contact Lloyd’s of London yourself. I founded My Family Life Insurance to provide honest, trustworthy advice and economical insurance solutions to individuals, families, and business owners.

surgeon surgery hands medicine stanford magazine opens author
(Source: scopeblog.stanford.edu)

Keep in mind that all the financing options require the funds to be repaid, unlike insurance which takes care of the majority of the bill. Be sure that the costs that you are financing include all the expected expenses, including the surgeon’s bill, the cost of the surgical suite, anesthesia expenses, hospital care before and after surgery, labs, medications, X-rays and any testing ordered by your physician and visits required before and after the surgery.

You do not want to have a rude awakening when your first bill arrives and your interest rate or payment is substantially higher than you expected. You will also need to plan for any contingencies, like complications, which may elevate the total cost of your care significantly.

These individuals can work with you, help you set up a payment plan, and have the power to reduce the total amount of money you owe. Before you try to figure out how to pay without insurance, try to determine how you can best decrease the cost of your surgery before you even have the procedure.

That means everyone providing care, from anesthesia to the surgeon, the hospital, and pharmacy need to be in-network if you have insurance. If you are pleasant, persistent, and explain your situation, you may be shocked at how much the potential bill can change.

Will you be able to afford the prescription medication you require after surgery if you are paying your credit card bill? Your 401k or 403b plan for your retirement may allow you to take a loan against the funds that you have already saved without a penalty.

holding surgical surgeon operation passing instrument theater tool operating surgeons doctor hands while room
(Source: www.dreamstime.com)

Typically, a Roth IRA is not managed by employers, but by individual investors, so you may have to do your own research. Start by calling the customer service number for your fund and inquire about taking money out of the IRA before retirement age.

Depending on your credit and income, you may want to borrow the money from an outside source and keep your savings easily accessible. While a loan will result in interest being charged, it may be worth the extra money paid in interest to maintain the security of a nest egg or emergency fund, especially if you may need the money during your rehabilitation if you are unable to work.

The particulars of your situation will help determine whether you are better off taking money out of savings or making payments on a loan taken out for surgery. Keep in mind that if you are unable to make the payments on a home equity loan, the consequences can be dire.

Failure to pay the loan back can result in foreclosure and eviction from your home. The bank or loan company will determine how much you may borrow and at what rate, as well as the terms of repayment.

Payment plans are most commonly offered when your surgery is routinely paid for by the patient instead of an insurance company. A hysterectomy is almost universally covered by insurance, so surgeons who specialize in hysterectomy might not offer a payment plan; conversely, plastic surgery is almost never paid for by insurance, so the surgeon would be more likely to know about self-pay options.

surgeons hand surgeon dr austin gallagher orthopedics tx
(Source: www.atxortho.com)

In other cases, the payment plan is a loan, but the hospital or surgeon is involved in the financial arrangements. Known as medical tourism or international surgery, there is a trend to seek healthcare outside the United States.

Surgeons from outside the U.S. have begun to actively seek patients who are willing to travel for the surgery that they need, promoting themselves with websites and other advertising. In addition to the surgeon’s credentials, which should be verified, the facility in which you would recover needs to be researched as well.

It is imperative that the surgeon be highly skilled, but the person who cares for you during your recovery is equally important. Some insurance companies are even paying for medical tourism for necessary procedures, as the cost to them is dramatically less than typical.

Some credit cards charge as much as 22% interest, a staggering amount when borrowing the large sums needed for surgery. In some cases, the rate of interest is significantly lower than that, providing a much more attractive option for paying for surgery.

If you have exhausted your options and must use credit cards, you should determine what your payments will be after you pay for the surgery. Many card companies will offer low-interest balance transfers to earn your business, and then raise the rates to normal levels after six months.

scissors surgical holding medical surgeons hands passing healthcare concept close equipment shutterstock
(Source: www.shutterstock.com)

If you have multiple cards, you may be able to keep your interest rate to a minimum by transferring the balance when the opportunity arises. For many people that means changing jobs, but you may not need to take that drastic step.

Best Aetna Hand Surgeons Near Me | Get Virtual Care | ZocDoc Read verified reviews from patients like you and see real-time availability for every doctor Esther Heckle is a renowned family physician and primary care doctor in Seattle, WA.

She completed her internship in family practice at the Hospital Universitario Central de Asturias. Dr. Heckle then went on to complete her residency in family practice at the Community Health of Central Washington.

Dr. Heckle is fluent in English and Spanish, making her culturally attuned to patients from various backgrounds. She sees patients for a variety of conditions that include ear infections, migraines, and hypertension.

She then completed her internship and residency in internal medicine at the University of Washington Medical Center. 750 Republican St, Building F, Fl 2SeattleWA98109Based in Seattle, WA, Dr. Megan Fend is a board-certified family physician and primary care doctor.

praying hands blood surgeon dof focal patient point low
(Source: dreamstime.com)

Ms. Natalia Kumar is a board certified family nurse practitioner, practicing at Medical Arts Associates in Bellevue, WA. Natalia is a skilled family nurse practitioner who manages a wide variety of patients from newborn to older population.

She possesses strong knowledge and extensive clinical experience to manage variety of chronic and acute conditions, motor vehicle accidents, L&I, annual well child, anxiety, depression, adult preventive health care, as well as, GUN exams. Natalia attended Simmons University where she received her master’s degree in family medicine.

Ms. Natalia Kumar is a board certified family nurse practitioner, practicing at Medical Arts Associates in Bellevue, WA. Natalia is a skilled family nurse practitioner who manages a wide variety of patients from newborn to older population.

She possesses strong knowledge and extensive clinical experience to manage variety of chronic and acute conditions, motor vehicle accidents, L&I, annual well child, anxiety, depression, adult preventive health care, as well as, GUN exams. Natalia attended Simmons University where she received her master’s degree in family medicine.

Elizabeth Patch serves the community of Seattle, WA, as a board-certified primary care doctor. Specializing in internal medicine, she provides general consultations for various medical concerns as a part of UW Neighborhood UNC Bell town in Seattle, WA.

surgeon hands glove operate folded ready preparing surgery massaging masseur hand
(Source: www.dreamstime.com)

These concerns include sexually transmitted diseases, urinary tract infections, high blood pressure, sore throat, and migraines. Dr. Patch began her career in healthcare by earning her medical degree from Wright State University.

2505 2nd Ave, Ste 200SeattleWA98121Appointments available Wed, Feb 10Book onlineView profile and reviews Ms. Jingle Binder is a compassionate and enthusiastic family nurse practitioner, catering to the community of Bellevue, WA.

She is available for consultations at Medical Arts Associates, where patients visit her for a variety of medical concerns, including acne, allergic eye problems, sore throat, hypertension, and kidney stones. Fluent in English and Korean, Ms. Binder is trained to address a broad range of medical conditions and places a high priority on wellness strategies and health education.

She strives to practice state-of-the-art evidence based medicine and bring smiles to her patients and their families. Dr. Morris is proud to be a part of Medical Arts Associates as they have been providing excellent primary care to their many loyal patients since 1986.

Their mantra is to be “competent, comprehensive, and caring” for each patient individually and within the context of the family. Esther Heckle is a renowned family physician and primary care doctor in Seattle, WA.

chaudhry dr usa surgical mubashir partners universal exclusive interview inc
(Source: theazb.com)

She completed her internship in family practice at the Hospital Universitario Central de Asturias. Dr. Heckle then went on to complete her residency in family practice at the Community Health of Central Washington.

Dr. Heckle is fluent in English and Spanish, making her culturally attuned to patients from various backgrounds. She sees patients for a variety of conditions that include ear infections, migraines, and hypertension.

Based in Seattle, WA, Dr. Skin sees patients for a variety of reasons such as jaundice, diarrhea, and abscess. Dr. Skin creates a comfortable environment for her patients, helping them discuss their issues and thoughts openly.

Based in Seattle, WA, Dr. Savage earned her medical degree from the Albert Einstein College of Medicine of Yeshiva University. She addresses a broad range of medical conditions and places a high priority on wellness strategies and health education.

Fluent in English, French, Kinyarwanda, and Burundi, she offers help to patients across diverse communities. 750 Republican St, Building F, Fl 2SeattleWA98109Based in Seattle, WA, Dr. Megan Fend is a board-certified family physician and primary care doctor.

tree pollarding ash
(Source: arboriginal-treeservices.co.uk)

These include skin problems, swellings, chronic cough, and allergy consultation sessions. Ms. Natalia Kumar is a board certified family nurse practitioner, practicing at Medical Arts Associates in Bellevue, WA.

Natalia is a skilled family nurse practitioner who manages a wide variety of patients from newborn to older population. She possesses strong knowledge and extensive clinical experience to manage variety of chronic and acute conditions, motor vehicle accidents, L&I, annual well child, anxiety, depression, adult preventive health care, as well as, GUN exams.

Natalia attended Simmons University where she received her master’s degree in family medicine. Ms. Natalia Kumar is a board certified family nurse practitioner, practicing at Medical Arts Associates in Bellevue, WA.

Natalia is a skilled family nurse practitioner who manages a wide variety of patients from newborn to older population. She possesses strong knowledge and extensive clinical experience to manage variety of chronic and acute conditions, motor vehicle accidents, L&I, annual well child, anxiety, depression, adult preventive health care, as well as, GUN exams.

Natalia attended Simmons University where she received her master’s degree in family medicine. Dr. Elizabeth Patch serves the community of Seattle, WA, as a board-certified primary care doctor.

Specializing in internal medicine, she provides general consultations for various medical concerns as a part of UW Neighborhood UNC Bell town in Seattle, WA. These concerns include sexually transmitted diseases, urinary tract infections, high blood pressure, sore throat, and migraines.

He treats itching, skin problems, panic attacks, cough, and type 2 diabetes. He looks forward to providing his patients with the proper tools and advice they need to improve or maintain their overall health.

Based in Seattle, WA, Dr. Ebbs is aware of the uniqueness of every individual’s situation and offers genuine and specific advice that suits their wellbeing. She takes a preventative care approach while also managing a wide range of medical conditions.

Based in Seattle, WA, Dr. Kenner earned her medical degree from Emory University. She believes in keeping herself updated with the latest advancements in her field and regularly attends seminars and conferences to do so.

With constant dedication and commitment to her field, Dr. Kaiser's contribution to patient health has been exemplary and noteworthy. Rise Cole, ARP is a Board Certified Family Nurse Practitioner and completed her master’s degree at Stamford University in her hometown of Birmingham, Alabama.

Rise practices full spectrum family medicine and has a special interest in mental health. Ms. Jingle Binder is a compassionate and enthusiastic family nurse practitioner, catering to the community of Bellevue, WA.

She is available for consultations at Medical Arts Associates, where patients visit her for a variety of medical concerns, including acne, allergic eye problems, sore throat, hypertension, and kidney stones. Fluent in English and Korean, Ms. Binder is trained to address a broad range of medical conditions and places a high priority on wellness strategies and health education.

She strives to practice state-of-the-art evidence based medicine and bring smiles to her patients and their families. Dr. Morris is proud to be a part of Medical Arts Associates as they have been providing excellent primary care to their many loyal patients since 1986.

ZocDoc lets you search specifically for a Hand Surgeon who takes Aetna insurance. ZocDoc is a free online service that helps patients find Aetna Hand Surgeons and book appointments instantly.

Based on that information, you’ll see a list of providers who meet your search criteria, along with their available appointment slots. When you search for Hand Surgeons on ZocDoc, you can filter your results by gender, in addition to other criteria.

Every time a patient completes an appointment booked on ZocDoc, they’re invited to review their experience. You can also filter your search results to show only Hand Surgeons who offer video visits.

You can search on ZocDoc specifically for Hand Surgeons who accept Aetna for video visits by selecting your carrier and plan from the drop-down menu at the top of the page. We recommend you check with your insurance carrier directly to confirm your coverage and out-of-pocket costs for video visits.

ZocDoc lets you search specifically for a Hand Surgeon who has appointments available before 10:00 am, or after 5:00 pm.

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Sources
1 www.popularmechanics.com - https://www.popularmechanics.com/cars/how-to/a9484/why-does-my-car-wobble-when-i-brake-15976577/
2 www.carparts.com - https://www.carparts.com/blog/car-shakes-when-braking/
3 repairpal.com - https://repairpal.com/symptoms/what-is-causing-my-brakes-to-vibrate
4 www.titantalk.com - https://www.titantalk.com/threads/front-end-wobble-when-braking.425348/
5 www.familyhandyman.com - https://www.familyhandyman.com/article/steering-wheel-shakes-when-braking/