Mission: Chris Jensen Health & Rehab is more than just rehab: We meet our community's short-term and continuing care needs through compassionate health care and support services.
Disposal & Recycling
Family, Cosmetic and Reconstructive Dentistry
Garden and Landscaping
Health & Rehab
Heating & Air Conditioning, Commercial Refrigeration
Reliable Insurance Inc. A Trusted Choice Insurance Agency.
Workers Compensation Law Attorney
Although butterflies flit from garden to garden, this is the official site for larval plants and Butterfly Feeders. Our Butterfly Festival, held the third Saturday in July, relies on our gardens to bring together these wonderful friends. Originally designed with the help of Pat Thomas, St Louis County Master Gardener, specializing in butterflies.
Window or Wall Units
Window Units are mounted on windows. They are useful as a solution for one room but they can be noisy, inconvenient and block your view out of the window. These units are completely self-contained.
How do pre-existing conditions affect my health insurance coverage options?
UNDERSTANDING EXCLUSIONS AND CREDITABLE COVERAGE
Many Americans have health-related problems that insurance companies define as pre existing conditions. A pre-existing condition is a health problem that existed before you apply for a health insurance policy or enroll in a new health plan. Insurance companies and health plans will sometimes exclude people with a pre-existing condition; impose a waiting period before coverage starts, or charge higher premiums and out-of-pocket expenses. A pre-existing condition can be something as common and as serious as heart disease, high blood pressure, cancer, type 2 diabetes, and asthma - chronic health problems that affect a large portion of the population. Even if you have a relatively minor condition such as hay fever or a previous accidental injury, a health plan can deny coverage.
Health Reform and Pre-Existing Conditions
One of the hallmarks of the Patient Protection and Affordable Care Act signed into law in March 2010 is the elimination of pre-existing condition requirements imposed by health plans. Effective September 2010, children (below age 19) with pre-existing conditions may not be denied access to their parents' health plan and insurance companies will no longer be allowed to insure a child on their own policy, but can exclude treatments for that child's pre-existing condition. Starting in 2014, this provision will apply to adults as well. Until 2014, the information below remains valid for anyone over age 19.
The Pre-Existing Condition Exclusion
A pre-existing condition can affect your health insurance coverage. If you are applying for insurance, some health insurance companies may accept you conditionally by providing a pre-existing condition exclusion period. Although the health plan has accepted you and you are paying your monthly premiums, you may not have coverage for any care or services related to your pre-existing condition. Depending on the policy and your state's insurance regulations, this exclusion period can range from six to 18 months.
What should I do if I have a work injury or work-related illness?
- Contact your employer and report the injury or illness - even if you think it is minor and you will heal without medical treatment. That way there is a record that can be referred to if your injury worsens. Use a company form, if one is available. If not, write down the facts of your injury, along with the date and time and the name of the person you reported it to. If possible, keep a copy of your report.
- Take down the names and addresses of all witnesses to the accident that caused your injury.
- Get medical care, even if you think your injury is minor, and make sure the doctor has a complete description of the accident that caused your injury or the work activities or conditions you believe caused your work-related disability. Take care of your injury.
- Make copies of all work restrictions that your doctor gives you. Keep a copy and give the original to your employer.
- Keep track of all time off work, all mileage to and from doctors, physical therapists and any other health care professionals. Save all medical records given to you and all prescription bills and receipts. Save all letters from your employer and your employer's workers compensation insurance company concerning your injury.
- Do not sign any documents unless you fully understand the documents. If there is any doubt in your mind about what the documents mean, you should contact a Workers' Compensation lawyer.
- If you have not received Workers' Compensation benefits or a notice that you will be receiving Workers' Compensation benefits within a reasonable time period contact a Workers' Compensation lawyer.
I just need a good general dentist. Does Lake Dental Group do regular dentistry too?
Absolutely. We are a General Dental office that has an emphasis or focus on Cosmetic Dentistry. All of our Dentists are happy to take care of regular cleanings, fillings, dentures, crowns, or any other dental needs.