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Do You Need Braces?

Do you need braces? Dental braces, or orthodontic braces, are used by orthodontists to correct and fix teeth imperfections, particularly misaligned and crooked teeth. Braces are also used to improve dental bite—which is essentially the “relationship” of the teeth between the upper and lower jaws. In the US, according to MedicineNet.com, the cost for braces range from $2,000 to $4,000 for the first phase of the procedure. The second phase, which is when the braces are applied, can go up to $7,000. Other types of braces, like clear aligners, can cost more. How do you know if you should invest in this kind of dental procedure or if your child needs it? Here are three signs to look out for. You are bothered by imperfections. If you have a teeth gap that is bothering you, not just because of aesthetic reasons, but because it affects the growth of your other teeth, consult your dental professional. For young children, teeth imperfections mend themselves as they grow but check for other symptoms, like early loss of baby teeth, chewing or biting difficulty, and jaws or teeth that seem out of proportion, because it may signal a bigger problem. As a general rule of thumb, if in doubt about your teeth, ask an orthodontist. Your oral functions are affected. Misaligned jaws and teeth can cause a person to have difficulty chewing and eating. It can also lead to jaw joint problems, tooth fractures, abnormal tooth wear, and even periodontal trauma. Using braces can help provide a long-term solution to these dental health issues. You have an excessive overbite. Orthodontists say that overbite is normal, and in fact, it is hereditary. Severe ones can cause problems like gum disease and TMJ and can lead to poorly maintained oral hygiene. Correcting an overbite is usually easier among children. In adults, jaw surgery may be required. Once you’ve finally decided to get braces, you may find that the cost is a bit prohibitive. While some dental insurance policies will cover a portion of the expenses, you will still have to shoulder costs like medications and your orthodontist’s professional fees. An increasingly popular option for people who need braces but are hampered by the cost is dental financing. United Credit (UC) offers loans for braces with competitive interest rates and affordable monthly payments. It also has same as cash and interest-free financing options to help more people, even those with bad credit, gain access to quality dental care. UC has more than a decade of experience in acting as an intermediary between patients and physicians as well as vendors. For more information on how to get fast and reliable financing for braces through UC, contact (888) 647-4333, send an email to info@unitedcredit.com, or visit the website, www.unitedcredit.com. Resources:  http://www.dentalmetrix.com/overbite-correction-2/ http://www.wikihow.com/Determine-if-You-Need-Braces http://www.urmc.rochester.edu/encyclopedia/content.aspx?ContentTypeID=1&ContentID=4061 http://www.medicinenet.com/dental_braces/article.htm#who_is_a_good_candidate_for_braces http://www.medicinenet.com/dental_braces/page4.htm#how_much_do_braces_cost_does_insurance_cover_orthodontic_treatment Follow us on social: Linkedin-in Facebook-f Instagram Twitter

Liposuction, the Laser Way

For patients who want the fat-burning effect of liposuction minus the risks and after-effects of a surgical procedure, laser liposuction is the answer. Also called laser lipolysis, this procedure “uses heat from fiber-optic lasers at various wavelengths to melt body fat,” according to HealthLine.com. Lipolysis also “spurs the production of the protein collagen, making skin more taut,” unlike in traditional liposuction wherein sagging skin is a common post-procedure issue. Laser liposuction is also said to result in “less swelling and bruising” but risks the possibility of burns because of laser use. NewBeauty.com noted that laser liposuction is better for body and face while traditional liposuction is still recommended for soft fat areas like arms, inner thigh, neck and lower abdomen. On its own, laser liposuction can be effective but some experts say that a combination of both produces the best results because it achieves the body sculpting goal while still managing to tighten the skin (although there is some debate on the latter). Who are qualified for laser liposuction? Like traditional liposuction, potential lipolysis patients are those who are within 30 percent of their ideal body weight, and are in generally good health. NewBeauty.com adds that it is not for those “who do not have good skin elasticity” and those who have “a lot of excess skin particularly after a dramatic weight loss.” Since it is minimally invasive and non-surgical, there is not much recovery downtime. Patients can immediately resume their daily activities although some minor bruising, swelling or discomfort is to be expected. Laser Liposuction Financing The costs of laser liposuction are not too far off from traditional liposuction. One source cites the cost as ranging from $2,500 to $4,000 while another estimates that it can range from $700 for arm fats to $2,200 for stomach fats, per treatment. Treatments normally take full effect after four to eight sessions, depending on the area. From these data, it can be deduced that the varying costs depend on treatment area, clinic prices, physician fees, laboratory fees and other related medical expenses. Of course, laser liposuction is considered as an elective treatment, and as such, is not covered by insurance policies. This is where companies like United Medical Credit (UMC) come in. UMC helps potential laser liposuction patients obtain liposuction financing or liposuction loans. UMC acts as intermediary between patients and a network of trusted partners which includes experienced physicians and vendors, and competitive lenders. Clients get same as cash and interest-free financing options with extensive service support from UMC representatives. UMC provides financing for cosmetic surgery procedures such as body lift, face lift, scar removal, nose surgery, breast augmentation, and hair restoration, among others. UMC also helps prospective patients with financing for bariatric surgery, fertility procedures, dental surgery, Lasik and eye surgery, hearing aids and devices, and other general healthcare requirements. For more information on UMC’s liposuction financing solutions, contact (888) 647-4333, send an e-mail to info@unitedmedicalcredit.com or visit the website, www.unitedmedicalcredit.com. Additional Reference: http://www.sciencedaily.com/releases/2013/04/130415124819.htm Follow us on social: Linkedin-in Facebook-f Instagram Twitter

Loans for Plastic Surgery: Hair Restoration

Hair loss may seem like a trivial health concern but for those who suffer from it, it is both physically and emotionally distressing. The American Hair Loss Association (AHLA) website noted that, according to The Washington Post, Americans who suffer from hair loss spend more than $3.5 billion a year in hair loss treatments. This figure is indicative of the gravity of the situation. Most of the time, people just take for granted a thick head of hair until it starts to disappear. For those suffering from hair loss, hair restoration or hair transplant is a common and effective option to restore confidence and improve appearance. Hair transplant, according to WebMD, is a “surgery that involves removing a narrow strip of hair-bearing scalp from the back of the head and using it to fill an area with thin or no hair.” The experts at AHLA note that hair restoration surgery should be a last resort to stop the progression of hair loss. In addition, not everyone who thinks they need hair transplants is actually “qualified” for the procedure. Among other cases, the ideal candidates for hair restoration surgery are: Men and women who have lost hair due to trauma or burns; Men and women who lost hair due to other cosmetic procedures; and Men who have male-pattern baldness. A hair transplant surgery generally involves the following procedures: The surgeon will clean the scalp and inject an anesthetic to numb the area where a three- to four-inch strip will be removed using a scalpel. The removed strip of scalp will be set aside and the exposed scalp area will be sewn. The surgeon divides the strip of removed scalp into about 500 to 2,000 tiny grafts containing an individual hair or just a few hairs each. The number and type of graft used is based on the patient’s hair type, quality, color and size of the area where it will be transplanted. After the grafts are prepared, the surgeon cleans and numbs the area where the hair will be placed. The surgeon will then create holes or slit with a scalpel or needle, and place each graft in one of the holes. This could take four to eight hours. Within two to three weeks after surgery, patients can expect the transplanted hair to fall out and notice new growth within a couple of months. Attendant costs WebMD estimates that the cost of hair restoration surgery largely depends on the amount of hair to be transplanted. Generally, it ranges from $4,000 to $15,000, and as with most cosmetic surgery procedures, it is rarely covered by insurance. For prospective patients, an option would be to obtain loans for plastic surgery. United Medical Credit (UMC) helps potential patients obtain financing for cosmetic surgery procedures such as hair transplants. As an intermediary, UMC has more than a decade of experience and track record in service reliability when it comes to helping prospective patients get loans for plastic surgery, bariatric surgery, fertility procedures, dental surgery, Lasik and eye surgery, hearing aids and devices, and other general healthcare requirements. UMC offers Same-as-Cash (SAC) programs ranging from six to 24 months on approved credit and with provider participation. For more information on UMC’s cosmetic surgery credit and other services, contact (888) 647-4333, send an e-mail to info@unitedmedicalcredit.com or visit the website, www.unitedmedicalcredit.com. Follow us on social: Linkedin-in Facebook-f Instagram Twitter

Jessica Payan

VP of Human Resources

As a certified Professional in HR (PHR), Jessica brings 10 years of HR experience to the United Credit team. She is responsible for managing the strategy and processes related to building and retaining an exceptional team of professionals. Jessica is passionate about supporting each employee to be their most successful and exemplifies our core values daily.

Aaron Mishkin

Controller

As Controller, Aaron manages the income and expenses of the Company and the incoming and outgoing loan funds with the utmost integrity. He is a lifelong learner with multiple degrees and certifications to his name and 25 years of working in financial services. Aaron’s reason behind being a part of the United Credit team is to make a difference in the Company and to his coworkers, our partners, and our customers.

Jorge Lazaro

VP of IT

Jorge works closely with cross-functional partners throughout the business to develop virtual experiences and oversees the IT team that keeps our platforms running smoothly. His goal is to provide an optimistic approach to the challenges we face while supporting our staff and partners with respect. With over 6 years of working for United Credit, Jorge brings a wealth of knowledge about our history and computer engineering.

Brett Walisever

VP of Strategic Accounts

Brett spearheads our business sales growth by identifying and supporting new merchants in partnering with United Credit. He has 10+ years of sales, contract negotiation, and market strategy experience that he brings to each new merchant and our team. His desire is to support the growth of United Credit and the merchants we serve through respect and collaboration.

Andria Sullivan

Chief Experience Officer

Andria is a seasoned leader with over 10 years of experience in providing world-class customer service and directing consumer finance processes. She oversees the tracking, reporting, and achievement of our company goals, long and short-term projects, and special initiatives. Andria is service-minded when it comes to collaborating internally and externally, and it shines through in every interaction.

Nate Moster

Chief Sales and Marketing Officer

As Chief Sales and Marketing Officer, Nate expertly drives revenue growth for United Credit by leading sales and marketing strategies across all channels. With over 20 years of experience working with global brands in various industries, Nate has a proven track record of boosting sales, expanding market share, and building strong relationships. His unique ‘right-brain + left-brain’ approach combines business acumen and strategic thinking with striking creative execution, ensuring United Credit’s sales and marketing efforts consistently deliver results for continued success.

Matthew Libman

Founder & President

Matthew is the President and Founder of United Credit. Matt founded fintech company United Medical Credit in 2011 to connect consumers and businesses with an array of experienced, innovative financing solutions. In 2022, the company grew and became United Credit, fueling an expansion into retail markets while retaining its expertise in specialty healthcare.

Since its founding, Matt has provided leadership for all aspects of the Company, emphasizing long-term growth while ensuring United Credit delivers value to its consumers, merchants, and business partners. The Company has risen in the fintech space as a preferred consumer financing partner under his tenure.

Matt is also an active member of YPO (Young Presidents’ Organization), the world’s largest leadership community of company chief executives.