Home Loan for Doctors and Other Medical Professionals

Are you a doctor? Do you want to buy a home? Do not worry about high interest rates and costly home loan packages. There are several lenders/credit providers who are willing to offer special deals and savings to you, because, you are considered to:

1. Have a lower than average delinquency rate; and

2. Be at a low risk of defaulting on your home loan repayments.

What Special Deals and Savings are available to Doctors and other Medical Professionals?

Certain lenders/credit providers are willing to help doctors and other medical professionals with a number of preferential discounts and benefits. These range from:

1. Discounted Interest Rates – Doctors and other medical professionals are being offered discounts off the standard variable interest rate home loan, which is more than what is being offered to many other consumers. It can add up to significant savings over the course of a 25 or 30 year home loan;

2. Higher Loan-to-Value Ratio (LVR) – Many specialist home loan packages for medical professionals come with a higher LVR percentage than a traditional home loan;

3. Lender’s Mortgage Insurance (LMI) – It can be waived or even no LMI can be considered. Some lenders/credit providers will consider lending you more than 80 per cent of the Loan-to-Value Ratio of the property value. You may even be able to borrow up to an LVR of 90 per cent of the property value and not have to pay LMI;

4. Your family members may even qualify for special interest rates;

5. No valuation is required;

6. You may not have to pay any set up costs and application fees;

7. You can have access to easier cash out (home equity release loans); and

8. You can receive fast, streamlined loan approval even for the typical “hard loan approvals”.

Now that you know about the special deals and savings that are offered to you by lenders/credit providers, do not worry about the cost of home loans. If you are apprehensive of obtaining a loan, you can take help of an expert.

Contact the Expert

If you are looking to buy a home and want to finish the loan process quickly, you can contact an expert finance broker. He/she is professionally qualified and licensed in providing specialist home loan assistance to doctors. He/she will help you to negotiate a suitable loan package and will even help you to arrange finance:

1. If you are looking at establishing a medical practice in your local area; or

2. If you are looking to relocate to the country and establish a medical practice in a quiet country town.

Medical Professional – Career Education Options

Medical professional career training can be completed by enrolling in an accredited vocational school. Students can prepare for the career they desire in the medical field. Medical professionals are trained to work in a variety of facilities including hospitals, clinics, physician offices, and much more. Accredited career training in this field is available at an associate, bachelor, master, and doctoral degree level of study as well as certificates.

*Associate Degree

Students who wish to enter into an associate level degree training program can do so with an accredited vocational school in as little as two years. Students can prepare for a number of career by studying courses like microbiology, chemistry, anatomy, medical terminology, physiology, computer science, fitness, pharmacology, and many other relevant course subjects. With an education in these areas of the field students will have the skills to enter the workforce. Career options at this level of study can include working as medical assistants, phlebotomy technicians, clinical lab assistant, and much more. Students who wish to further education can do so at the bachelor’s level.

*Bachelor Degree

Accredited training programs are available for students who wish to obtain a bachelors degree in the medical field with four years of study. Coursework will vary by program and desired career but may consist of subjects like instrument identification, blood analysis, infectious diseases, circulatory system, biochemistry, biological sciences, and much more. With the skills obtained through these courses students can seek employment in the medical field. Possible careers can include surgical technician, dialysis technician, sports medicine professional, and more. With an accredited bachelors degree students can further education at a master’s level or enter into their desired career.

*Master Degree

By enrolling in an accredited master’s degree training program students can train for the career of their dreams. Masters degrees usually require an additional two years of training to obtain. Students have the opportunity to study a variety of subjects through coursework like distribution, medical laboratory procedures, hematologic aspects, documentation, keyboarding, physical therapy, and much more. Study at this level of degree will allow students to seek employment in sports medicine, phlebotomy, IV certification, dialysis, and many other areas. Training can be continued at the doctoral level is desired.

*Doctoral Degree

Students who already hold a masters degree in the field can obtain a doctoral degree or PhD with an additional four years of study. Coursework will be based on the career each individual students desires. Specific areas of study can include ethics, kinesiology, statistics, medical parasitology, and many other related courses. Doctoral degrees in the medical field will allow students to pursue careers in research, dialysis, central services, medical technology, teaching, and much more. With a degree at this level students can enter the career they desire.

Accredited vocational training programs give students the opportunity to obtain the best quality education possible. Agencies like the Accrediting Council for Independent Colleges and Schools ( www.acics.org ) is approved to fully accredit medical professional training programs. Students can start their desired career training by enrolling today.

DISCLAIMER: Above is a GENERIC OUTLINE and may or may not depict precise methods, courses and/or focuses related to ANY ONE specific school(s) that may or may not be advertised at PETAP.org.

Copyright 2010 – All rights reserved by PETAP.org.

Answering Services For Medical Professionals

If you are a medical professional, you need an answering service. An answering service is necessary for several reasons – to handle call overflow during regular hours, lunch coverage, sick or vacation coverage and after-hours support.

An answering service is a great back-up to have for the previous circumstances. No matter how efficient your receptionist is, there will be times they cannot answer each and every call promptly. The answering service is there to receive and handle those calls for you. Because the answering service is backing you up, the receptionist can take the time that is needed to address the current patient’s needs and demands and they do not need to feel rushed or pressured to get the patient off of the phone immediately.

Also, what do you do if your receptionist needs a day off? Turning to a temporary staffing agency to fill the gap, has its advantages, but also disadvantages. The replacement you inherit is most likely not familiar with your practice. Patients will likely not get the same level of service that they would from your regular receptionist. When you use an answering service however, the agents are trained on how to handle all the different types of calls your practice may receive, so the service your patients receive will be as close to normal as possible.

Some medical offices completely close for the lunch hour and patients’ calls are usually sent to a voicemail greeting. The only problem with this is that up to 75% of callers choose to not leave a message or even call back when they receive voicemail greetings. They will find a service provider who has a live person answering the phone when they wanted or needed them. However, if you have an answering service in place, your patients receive a friendly agent who can respond to general inquiries on your behalf and save you and your staff some time when they arrive back in the office from their lunch hour. This can greatly reduce the stress that can accompany those first few minutes after the office re-opens.

If you are a doctor who has fielded your own after-hours calls, I am sure you are aware that a large percentage of those calls are not what you would call urgent. Most issues that patients call about during the after-hours of your practice are able to be handled the next day in-office or they should be directed to the local urgent care center or emergency room. For the simple things such as scheduling/canceling/re-scheduling an appointment or Mrs. Kravitz’ persistent questions about her surgical incisions still being sore during the normal healing period, instructions you have provided to the agents will be relayed to the caller so you do not have to have your off-time interrupted unless the situation actually requires your expertise. If the issue truly requires your attention, the medical answering service would then connect the caller to you.

If you think you can use an answering service for your medical practice, do a search online and investigate which one will work for you.

Abnormal Bleeding: When To Contact A Medical Professional

Vaginal bleeding is common in women. This does not however mean that any bleeding experienced by a woman is part of her normal reproductive function. There are times when bleeding between periods, or any bleeding that is unexpected, calls for immediate medical attention. It is always good to be aware of what bleeding is normal and what type of bleeding should be characterized as abnormal.

Any bleeding that occurs when you are pregnant may be a sign of a pregnancy complication. While it is possible that the blood loss through the vagina is part of the normal functioning of a woman’s reproductive system, in most cases, such a bleeding is usually as a result of serious complications that need the immediate attention of a doctor. Complications such as miscarriages and ectopic pregnancies are usually signified by vaginal bleeding and thus the need for you to see a doctor as soon as you can. Most of the pregnancy complications can be easily managed when detected early and thus the earlier you seek medical attention, the better it will be for you and your baby.

Bleeding after menopause is usually abnormal and reason enough for you to contact a medical professional. This is because any bleeding that occurs after a woman is past her childbearing years is usually considered abnormal bleeding. You need to see a doctor for diagnosis and possible treatment especially given the fact that such bleeding is usually associated with cancer. Paying an early visit to the doctor will not only help to calm your fears but it will also help you to start treatment as early as possible, something which will increase your chances of recovery.

Excessive bleeding during periods should also be a reason for you to seek the attention of a doctor. This is because it is abnormal, especially if your periods are prolonged. Such bleeding is usually associated with growths in the female reproductive system such as ovarian cysts and uterine fibroids. Paying a visit to the doctor will allow for early detection, something which will help you to manage them better. It will also help you to avoid developing complications as a result of the excessive blood loss from the abnormal bleeding.

When any vaginal bleeding you experience is accompanied by fatigue, dizziness and pain, you should contact a medical professional. This is because normal bleeding is usually painless and without any side effects. Any such bleeding is usually a symptom of an underlying condition that could be potentially dangerous to a woman.

A Discussion About Medical Professionals Insurance

We all have various types of insurance policies that protect different aspects of our everyday lives, as well as our property. The average doctor has types of policies that are quite important to his or her practice and the following is a discussion about medical professionals insurance.

The most popular type of policy that such professionals carry, is the one that is going to protect them and their practice from frivolous law suits. The fact of the matter is that these type of meaning law suits are a major problem within our society. The saddest part of this, is that they have the most negative type of impact on the health care industry.

There are several things that might be effected by the type of policy that a particular practitioner is carrying, and the price is obviously one of them. If somebody is practicing in an area where these suits are very common, the doctor needs a higher level of protection. Because of this, the price of an office call, as well as other services is very likely to go up.

These type of insurance policies could sometimes effect exactly who a doctor can see. While this is not as common as the effect on price, certain levels of coverage might not allow a doctor to do business with a certain type of client. This is one of the strategies that the providers utilize to better cover themselves.

When a professional is shopping for such a policy, there are many options out there. This might be because insurance coverage is such a very common necessity within our modern world that there is a very big market for such a thing. It wise for medical professionals to not rush into any policy and do like people that shop for car insurance and shop around a bit before deciding.

By now, the reader should have a much better understanding behind medical professionals insurance. There are many more things that person might want to consider about such coverage, however for the purposes of this article, we have only covered the most basic things.