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LOCAL LIFE

S outhJordanJournal.Com in time and is functioning, the autotransplant would simply move the kidney into the pelvic area to attach directly to the bladder, Rachel Nichols said, which is what is done with kidney transplants from donors. “If we can do that, we feel that he will live a healthy life; he will not be on any antirejection medicine, and he will not be on any opioids,” Nichols said. “From the doctors that we’ve had, we’ve had three different opinions, they all say yes, he needs to have this done. Select Health gets to rubberstamp it after five doctors have said. All five have said yes, but they are calling it experimental, and there’s not enough information stating that this will work for him.” Rachel Nichols believes that if this can be approved and pushed forward, Brody “can open the doors for other children to have this done.” The Nichols family was denied on Dec. 14 and so Rachel Nichols turned to social media about it and got the attention of an appeals manager. Brody had a surgery date set for Jan. 3, but the appeal wasn’t processed in time. As of mid-January the chief medical officer of Select Health is looking at the case personally, and the Nichols family is waiting to see what will happen. “It makes me think about what health insurance company you want to use, and that’s something people need to look into: What is covered by one insurance and what is not covered by another insurance,” Rachel Nichols said. In regard to covering experimental procedures such as autotransplants, “All types of insurance have limitations and exclusions, and the reason around that is from a cost standpoint,” said Scott Schneider, vice president of sales and marketing for Select Health. “You could cover every single thing possible, and then the cost would be reflective of that … insurance plans typically covered a mandated level of benefits … all forms have a form of limitations or exclusions.” Questions that need asking about health insurance Because it can be intimidating for people to look through those official documents that explain

coverage, Castaneda suggests that “reaching out for additional resources is obviously going to be a good idea for some, whether it’s reaching right out to your insurer or agent or broker, to be able to answer some of those questions you might have that are not straightforward.” Out-of-pocket maximums, deductibles, pharmacy copays, emergency room copays and urgent care costs are some of the specific things people should look at as they go over their SBC and schedule of benefits, Schneider said. In regard to medical emergencies, people should “get a feel for, ‘Where could I go receive urgent care benefits?’ It’s nice to look at those things while you’re calm, so you could say, ‘Hey urgent care is a $100 visit but the emergency room is $500,’ and go back and say ‘Where is my nearest urgent care unit,’ so they get a feel for what are their copay differentials,” Schneider said. Something many people may not consider is that they can’t always buy insurance, at any time of the year. Because of the Affordable Care Act, there is an enrollment period that goes from Nov. 1 to Jan. 31, said Robert Sautter, current president of the Utah Association of Health Underwriters. People need to be aware of when they need insurance and when they can sign onto a plan; preparedness for the plan they want is also important, so that they are stuck with what works for them. Cost is an obvious aspect people are looking at with insurance plans, and it all depends on one’s needs to decide how much is reasonable to spend. “People should be looking at what are their needs: Are they buying insurance to cover a catastrophic need? In other words, do they not have many day-to-day needs, or do you have a common condition to where you need to establish day-to-day care, you need to be covered for that?” Sautter said. “They need to look at their situation; they need to know how much insurance they need. Costs are so high these days, and people will ask to just show them the lowest price product and of course that comes with a high deductible and very high out-of-pocket. The price may be right, but with what they realistically need, it doesn’t make sense to buy that.” l

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February 2017 | Page 5

Over 2,000 Homes Sold in 17 Years! Must Know’s to Sell your Home 1. There isn’t “A Number” that your home is worth. Appraisals are Opinions not Facts. Last year was the year of dealing with many appraisers who appraised the home lower than what we sold it for. One of those homes we had sold for $385,000 and the appraisal came in at $350,000. We still sold the home for $385k despite the lower appraisal. Most people just change the sales price to the appraisal price. Not us! We fight for your sales price and as you can tell in the previous case...we still sold the home for top dollar. You get what you negotiate not what you deserve. There are many factors you have to analyze to come up with a potential list price and you need a strategy on how you are going to achieve that. 2. Speed is priority! If you don’t answer the phone when a buyer calls and if you don’t make your home available to see on a moment’s notice, your home can sell for less. We had a buyer from out of town that bought a home they day they came in. One of the homes for sale didn’t sell to our buyer because the agent didnt respond to us for 2 days. It was a weekend, I get it... however, that home took another 2 months to sell and ended up selling for less than they could have. We have systems in place to ensure your home gets showed, and our clients end up getting top dollar. 3. Negotiate unlike the Rest! We had a property this past year that sold $83,000 more than the exact same home in the same neighborhood that was listed at the same time. So when I explain what we did, you will know that we didnt price it low. We listed at one of our secret price strategy price points. We only had one showing and one offer. They didnt give us a low offer. They gave us $10,000 above price. We also just sold a home that was on the market for 2 months at a lower price. It took us a weekend to sell. Getting top dollar means knowing how to negotiate to get the top dollar.

Call Utah Dave today at 801-966-4000 for a FREE and confidential analysis. (Analysis can be by phone or an unmarked car driven to your house.) No one has sold more listings in South Jordan than Utah Dave. Call South Jordan’s Neighborhood Expert today:

801-966-4000

or it’s free!

one-time leasing services Available

www.UtahDave.com or www.DaybreakLiving.com

Call or text 801-210-0757

Ask Utah Dave, He's sold more listings in South Jordan than any other agent.

Profile for The City Journals

South Jordan February 2017  

Vol. 4 Iss. 02

South Jordan February 2017  

Vol. 4 Iss. 02