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What To Do If You Have Medical Bills You Can't Afford
Medical debt spares no one, regardless of age or education status. Even those who are financially stable are facing medical debt. Actually, over 50 percent of Americans who have medical debt don't even have other types of debt on their credit reports. The fear of medical debts can prevent people from seeking the medical care they so desperately need, which can be dangerous. This fear is common because about one-third of Americans admitted to postponing medical care to spare themselves the medical costs.
Having medical debt hanging over your head can create a high-amount of unwanted stress, so it's vital to understand how to pay off some or all of your medical debt.
Review Your Itemized Bill
Have you ever received a ginormous medical bill in the mail and began to panic? Well, that paper bill might not even be correct. A lot of medical providers send you a paper bill showing your total balance owed without the individual charges that add up to your sum total. Request an itemized bill; it's an essential step to take when attempting to reduce your medical bills. Also, if you have a digital bill you can easily access the individual service and fees charged through your medical provider's patient portal.
Once you have access to your itemized bill, it's time to review it. This part can be a little tricky if you have no idea what you're looking for. There are a few things to look for when reviewing your bill, such as are there charges for services that you never received? Did the medical provider bill my insurance correctly? Was I charged for out-of-network services when I'm actually in-network?
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Negotiate Your Medical Bills
As quiet as it's kept, you can negotiate your medical bills. The most important step for successful negotiating is to ask open-ended questions because this will push the provider to reveal the discounts, programs, and waivers that could help you.
Not only is it important to ask open-ended questions, but it's a great idea to incentivize the provider. For example, offer to pay your bill in full if the fees are waived or offer to pay your bill in full if you were charged the same rates Medicare would pay.
If this entire negotiation process seems a bit overwhelming, you don't even need to negotiate with the provider yourself. There are multiple companies that will aid you in lowering your medical bills for a 20%-30% share of the money you no longer need to pay for. This is convenient because if you don't receive any savings, you don't have to pay them.
Apply For Financial Assistance
More than 27 million Americans did not have health insurance, including 58% of low-income working adults and 44% of young adults in the year 2020. If you lack health insurance or your health insurance doesn't provide great coverage for your medical expenses, then you may be eligible for financial assistance.
Many hospitals offer financial assistance, but you need to apply for it. It's vital to apply as soon as possible because most programs disqualify your eligibility for assistance after about 240 days after the medical services were provided. Most applications require the patient to provide a detailed expense list, list of assets, family member information, proof of income, and tax returns.
Payment Plan
Enrolling in the medical provider's payment plan is the most popular method to pay off medical bills. Payment plans are fitting for anyone who wants to make payments on their bill, but can't pay it off in one lump sum payment. The frequency of payment and payment amount is unique to the terms you negotiate with your medical provider. Usually, the entirety of your amount owed is divided into numerous equal payments over a period, until your balance is non-existent.
If you choose a payment plan, make sure not to choose payments that prevent you from paying higher priority bills, since non-payment of medical debt has less immediate consequences than other bills.
Sadly, high medical costs continue to grow every year, which makes understanding how to lower medical costs an important tool every American should have in their toolbox. That's why it's critical to discover the options available to lower your debt, in order to avoid medical bankruptcy before your debt spirals out of control.
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Aaliyah Sydonie Williams is a lover of pomegranates, intimate concerts, fluffy socks and all things R&B. She's a founder of a college advice blog, Her Little Corner, where she dishes helpful advice for college students to slay their college experience. When Aaliyah isn't eating at Starbucks, she's studying for her courses in finance, discovering new spots in the city, and brushing up on her photography skills. Keep up with her at Aaliyah Williams (@aaliyahsydonie).
How This New Bond Repair Line Transformed One Mother's Postpartum Shedding Into The Ultimate Curl Comeback
This article is in partnership with SheaMoisture
For Crystal Obasanya, her wash day woes came shortly after her son did. The beauty and lifestyle content creator had been natural for years, but during postpartum, she quickly learned about one reality many mothers can relate to experiencing: postpartum hair loss. “Sis had thinning hair. Sis had split ends,” she shared about her hair changes in a Reel via xoNecole.
Over a year into her postpartum journey, Crystal explained she also had dry, brittle hair, noting that keeping it hydrated before pregnancy had already been “a task.” The 4C natural recalled going from thick hair during pregnancy to a thin hairline due to postpartum shedding as “devastating.” When it came to strengthening and revitalizing her hair, the new SheaMoisture Bond Repair Collection was just the thing she needed to elevate her damaged coils to revive and thrive status and get them poppin' again.
SheaMoisture is providing us with the cheat code for transforming dry and damaged strands into thriving and deeply nourished crowns. By unveiling their 4-step hair system, the SheaMoisture Bond Repair Collection is equipping you with the tools to reverse signs of hair damage caused by protective styling, heat, and color and is uniquely formulated for Type 3 and 4 hair textures.
The haircare system revives damaged natural hair by repairing and rebuilding broken hair bonds through a game-changing combination of HydroPlex Technology and AminoBlend Complex, a unique blend of fortifying amino acids formulated specifically for curly and coily hair. Scientifically proven to reduce breakage by 84% and make your hair six times stronger (vs. non-conditioning shampoo), the collection infuses your hair with the nourishment it craves and the strength it deserves.
All five products of the SheaMoisture Bond Collection are infused with natural strengthening ingredients like Amla Oil and fair-trade shea butter. The collection consists of the 4-step breakage-fighting Bond Repair system, as well as the Bonding Oil.
“When trying it out, I quickly noticed that my hair felt revived and renewed, and my curls were so hydrated,” Crystal said while using the Amla-infused Bond Repair Leave-In Conditioner. “I also felt my hair strands were stronger.” So much so that the influencer felt brave enough to get her hair braided shortly thereafter. “I can definitely say that I will be keeping it in my hair wash routine,” she added in the caption of her Reel about her positive experience using the products.
SheaMoisture Bond Repair Collection is making bond-building a key player in your wash day routines and the purveyor of life for thirsty manes. Because who doesn't want stronger, shinier, happier hair?
Step One: Bond Repair Collection Shampoo
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The Bond Repair Collection Shampoo is the first step in the 4-step Bond Repair system, all of which are powered by the uniquely formulated AminoBlend, and HydroPlex, SheaMoisture’s technology that rebuilds hair strength at its core.
Step Two: Bond Repair Collection Conditioner
Tailored to repair styling damage, this creamy conditioner locks in 12x more moisture than standard non-conditioning shampoos, boosting damaged hair strength by 1.5x with significantly less breakage. The creamy SheaMoisture Bond Repair Collection Conditioner deeply hydrates, enhances manageability, and leaves your hair looking healthier and shinier.
Step Three: Bond Repair Collection Masque
This Ultra Moisturizing reparative masque is a moisture-rich game-changer for those dealing with the aftermath of hair damage caused by styling. The SheaMoisture Bond Repair Collection Masque delivers 13 times more moisture compared to non-conditioning shampoos, ensuring your hair feels nourished and soft. Designed to repair and rejuvenate, this masque significantly strengthens damaged hair — making it twice as strong while reducing breakage.
Step Four: Bond Repair Collection Leave-In Conditioner
Elevate your curl game with SheaMoisture’s Bond Repair Collection Leave-In Conditioner. Lightweight and hydrating, the Bond Repair Leave-In Conditioner provides 12x more moisture than non-conditioning shampoos and tames frizz with 24-hour humidity control. Designed to define curls and coils, the leave-in conditioner enhances softness and shine allowing you to detangle effortlessly.
Bonding Oil
The SheaMoisture Bond Repair Collection Bonding Oil is a multitasking all-in-one formula that acts as a heat protectant and provides the hair with moisture, strength, shine, damage protection, and intense nourishment. This lightweight oil not only offers 24-hour frizz and humidity control but also fortifies your tresses, making them up to 5 times stronger with significantly less breakage.
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Looking for ways to level up your solo sex sessions or your partnered sex play? Entering the wonderful world of arousal oils might be exactly what the doctor ordered. As its name suggests, arousal oil arouses. And they might very well be the pleasurable vessel through which your mind-blowing orgasms can be beckoned. Specifically, arousal oils are a pleasure-enhancing sex lubricant intended to increase the sensitivity to your nipples, your vulva, or your clitoris, just to start.
With an ingredient list that can include the likes of CBD, ashwagandha, and essential oils, arousal oils act as an aphrodisiac in a bottle, maximizing intensity and heightening the levels of pleasure you feel, thereby making your climax that much more attainable.
Keep reading for our selection of some of the best arousal oils in the game right now.
Bloomi Luxe Arousal Oil
Described as a "sensual pleasure oil," the Luxe Arousal Oil by Bloomi is clean with plant-derived organic ingredients. With 2-4 pumps, a gentle massage with this oil-based intimacy oil is formulated to intensify pleasure to your clitoris, your vulva, your thighs, or anywhere else you care to use it, before and during the act.
Foria Awaken Arousal Oil
Not only do reviewers rave about the "incredible o's" from Awaken Arousal Oil, but this best-seller is also known for its sensuous aroma, slip, and feel. With the uncanny ability to enhance sensations, users of the product have reported reinvigorated orgasms and renewed sex lives. And all we have to say is, say less.
Mood Maker Pleasure-Enhancing Intimacy Oil for Couples
Amazon
The Mood Maker had us at hello. Christina Aguilera's sex oil is where luxury and intimacy meet. Thanks to the relaxation facilitated by magic mushrooms and pleasure-enhancing adaptogens, the Mood Maker lays the groundwork for easeful foreplay, sex, and even an encore. With its texture like silk and warm scent, the oil effortlessly sets the perfect mood for pleasure play and allows your body to follow suit.
Lure Deluxe Intimacy Oil
Sultry, clean, and moisturizing are the cornerstones of this intimacy oil. The oil is formulated with organic ingredients like MCT coconut oil and CBD, so there is no need to worry about throwing off your pH balance or leaving behind a sticky residue when using it for intimate moments. The silky texture provides a sensual slip that is all gas no brakes, creating a slip n' slide glide during partner play, as well as solo play.
Bonus points: since it's all-natural, it's also oral-friendly. So Deluxe Intimacy Oil is queening-approved.
Green Compass Intimacy Oil
Green Compass
Entice and awaken your pleasure and your senses with the Intimacy Oil by Green Compass. An intimacy oil made for every body, this oil is fragrance-free, paraben-free, and silicone-free and formulated with plant-based and organic ingredients. With ingredients like organic hemp flower extract, coconut oil, and jojoba oil, the pleasure felt and experienced in intimate areas becomes even more intense upon application.
FOCL CBD Arousal Oil
Loved by users for its "perfect texture," its "warm wonderful feeling," and the fact that it's "non-irritating," the CBD Arousal Oil by FOCL is definitely worthy of a spot in your tox boy. Like other CBD oils, the hemp-derived product is said to ease tension and promote blood flow, which are major keys to enhancing and maximizing your sexual pleasure.
Sensuva On Arousal Oil
Amazon
Looks like we saved the best for last. Available in Lite, Original, and Ultra to give you the ability to choose the intensity that suits your intimate moments best, the On Arousal Oil by Sensuva is said to be one of the most powerful arousal oils on the market with good reason. With a "unique, buzzing vibration sensation on the clitoris," in 1-2 drops, On Arousal delivers more sensation during sex, helps women achieve orgasms quicker and more intensely, and can also help curb any issues with vaginal dryness.
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