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' : '') + ''; }); document.getElementById('pclh-breaking-list').innerHTML=html; document.getElementById('pclh-breaking-wrap').classList.add('on'); }) .catch(function(){}); /* ── WEATHER ALERTS (NWS official watches / warnings) ── */ window.pclhToggleAlert=function(){ var d=document.getElementById('pclh-alert-detail'); d.style.display = (d.style.display==='block') ? 'none' : 'block'; }; fetch('https://api.weather.gov/alerts/active?point='+LAT+','+LNG) .then(function(r){ if(!r.ok) throw 0; return r.json(); }) .then(function(d){ if(!d.features||!d.features.length) return; var order={'Extreme':4,'Severe':3,'Moderate':2,'Minor':1,'Unknown':0}; var alerts=d.features.slice().sort(function(a,b){ return (order[b.properties.severity]||0)-(order[a.properties.severity]||0); }); var a=alerts[0].properties, banner=document.getElementById('pclh-alert'); var evt=(a.event||'Weather Alert'), lower=evt.toLowerCase(); if(lower.indexOf('warning')!==-1||lower.indexOf('hurricane')!==-1){banner.className='';} else if(lower.indexOf('watch')!==-1){banner.className='watch';} else {banner.className='advisory';} var ic='\u26A0\uFE0F'; if(lower.indexOf('heat')!==-1) ic='\uD83D\uDD25'; else if(lower.indexOf('hurricane')!==-1||lower.indexOf('tropical')!==-1) ic='\uD83C\uDF00'; else if(lower.indexOf('tornado')!==-1) ic='\uD83C\uDF2A\uFE0F'; else if(lower.indexOf('thunder')!==-1||lower.indexOf('storm')!==-1) ic='\u26C8\uFE0F'; else if(lower.indexOf('flood')!==-1) ic='\uD83C\uDF0A'; else if(lower.indexOf('rip current')!==-1) ic='\uD83C\uDFCA'; else if(lower.indexOf('wind')!==-1) ic='\uD83D\uDCA8'; banner.querySelector('.ic').textContent=ic; document.getElementById('pclh-alert-text').textContent = evt.toUpperCase() + (alerts.length>1 ? ' (+'+(alerts.length-1)+' more)' : ''); banner.style.display='block'; var html=''; alerts.forEach(function(f){ var p=f.properties; html += '**'+(p.event||'Alert')+'**'+(p.headline?p.headline:'')+ (p.description?''+String(p.description).substring(0,450).replace(/\n/g,' ')+'…

':'')+ '---

'; }); document.querySelector('#pclh-alert-detail .wrap').innerHTML=html; }) .catch(function(){}); /* ── WEATHER · WIND · UV · FORECAST · SUN ── */ var wCodes={0:['Clear','\u2600\uFE0F'],1:['Mainly Clear','\uD83C\uDF24\uFE0F'],2:['Partly Cloudy','\u26C5'],3:['Overcast','\u2601\uFE0F'],45:['Fog','\uD83C\uDF2B\uFE0F'],48:['Fog','\uD83C\uDF2B\uFE0F'],51:['Drizzle','\uD83C\uDF26\uFE0F'],53:['Drizzle','\uD83C\uDF26\uFE0F'],55:['Drizzle','\uD83C\uDF26\uFE0F'],61:['Light Rain','\uD83C\uDF27\uFE0F'],63:['Rain','\uD83C\uDF27\uFE0F'],65:['Heavy Rain','\uD83C\uDF27\uFE0F'],80:['Showers','\uD83C\uDF26\uFE0F'],81:['Showers','\uD83C\uDF26\uFE0F'],82:['Heavy Showers','\u26C8\uFE0F'],95:['Thunderstorms','\u26C8\uFE0F'],96:['Thunderstorms','\u26C8\uFE0F'],99:['Thunderstorms','\u26C8\uFE0F']}; fetch('https://api.open-meteo.com/v1/forecast?latitude='+LAT+'&longitude='+LNG+ '&current=temperature_2m,apparent_temperature,weather_code,wind_speed_10m,wind_direction_10m,uv_index'+ '&daily=sunrise,sunset,temperature_2m_max,temperature_2m_min,weather_code,precipitation_probability_max'+ '&temperature_unit=fahrenheit&wind_speed_unit=mph&timezone=America/New_York&forecast_days=1') .then(function(r){return r.json();}) .then(function(d){ var c=d.current, wc=wCodes[c.weather_code]||['—','\uD83C\uDF21\uFE0F']; var temp=Math.round(c.temperature_2m), feels=Math.round(c.apparent_temperature); var feelsTxt=(Math.abs(feels-temp)>=3)?'feels '+feels+'°':''+wc\[0\]+''; document.getElementById('ci-wx').innerHTML=''+wc\[1\]+'**'+temp+'°F**'+feelsTxt; var dirs=['N','NE','E','SE','S','SW','W','NW']; var dir=dirs[Math.round(c.wind_direction_10m/45)%8]; document.getElementById('ci-wind').innerHTML='\\uD83D\\uDCA8'+dir+' '+Math.round(c.wind\_speed\_10m)+' mph'; if(c.uv_index!=null){ var uvr=Math.round(c.uv_index),cls,lbl; if(uvr\u2600\uFE0FUV '+uvr+' '+lbl+''; } if(d.daily){ var hi=Math.round(d.daily.temperature_2m_max[0]); var lo=Math.round(d.daily.temperature_2m_min[0]); var pop=d.daily.precipitation_probability_max?d.daily.precipitation_probability_max[0]:null; var fwc=wCodes[d.daily.weather_code[0]]||['','\uD83D\uDCC5']; var fc=''+fwc\[1\]+'Today '+hi+'° / '+lo+'°'; if(pop!=null&&pop>0) fc+=' · '+pop+'% rain'; fc+=''; document.getElementById('ci-fc').innerHTML=fc; var sr=new Date(d.daily.sunrise[0]).toLocaleTimeString('en-US',{hour:'numeric',minute:'2-digit',hour12:true}); var ss=new Date(d.daily.sunset[0]).toLocaleTimeString('en-US',{hour:'numeric',minute:'2-digit',hour12:true}); document.getElementById('ci-sun').innerHTML='\\uD83C\\uDF05'+sr+' · \\uD83C\\uDF07 '+ss+''; } }) .catch(function(){document.getElementById('ci-wx').innerHTML='\\uD83C\\uDF21\\uFE0FWeather n/a';}); /* ── AIR QUALITY (chip + AirNow modal) ── */ window.aqiOpen=function(){document.getElementById('aqi-modal').classList.add('open');document.body.style.overflow='hidden';}; window.aqiClose=function(){document.getElementById('aqi-modal').classList.remove('open');document.body.style.overflow='';}; document.addEventListener('keydown',function(e){ if(e.key==='Escape'){ window.aqiClose(); document.getElementById('pclh-breaking-panel').classList.remove('open'); document.getElementById('pclh-breaking-chip').classList.remove('open'); } }); fetch('https://air-quality-api.open-meteo.com/v1/air-quality?latitude='+LAT+'&longitude='+LNG+'&current=us_aqi&timezone=America/New_York') .then(function(r){return r.json();}) .then(function(d){ var aqi=d.current&&d.current.us_aqi; if(aqi==null)throw 0; var cls,lbl; if(aqi\uD83C\uDF2C\uFE0FAir '+aqi+' '+lbl+'\\u25B8'; }) .catch(function(){ document.getElementById('ci-aqi').innerHTML='\\uD83C\\uDF2C\\uFE0FAir Quality\\u25B8'; }); /* ── SURF ── */ fetch('https://marine-api.open-meteo.com/v1/marine?latitude='+LAT+'&longitude='+LNG+'&current=wave_height&length_unit=imperial&timezone=America/New_York') .then(function(r){return r.json();}).then(function(d){ if(d.current&&d.current.wave_height!=null){ document.getElementById('ci-surf').innerHTML='\\uD83C\\uDFC4Surf ~'+d.current.wave\_height.toFixed(1)+' ft'; }else{document.getElementById('ci-surf').style.display='none';} }) .catch(function(){document.getElementById('ci-surf').style.display='none';}); /* ── TIDE (NOAA 8720833 Flagler Beach) ── */ function ymd(dt){return dt.getFullYear()+String(dt.getMonth()+1).padStart(2,'0')+String(dt.getDate()).padStart(2,'0');} var td=new Date(); fetch('https://api.tidesandcurrents.noaa.gov/api/prod/datagetter?product=predictions&application=palmcoastlocal&begin_date='+ymd(td)+'&end_date='+ymd(td)+'&datum=MLLW&station=8720833&time_zone=lst_ldt&units=english&interval=hilo&format=json') .then(function(r){return r.json();}).then(function(d){ if(!d.predictions||!d.predictions.length)throw 0; var now=new Date(),next=null; d.predictions.forEach(function(p){var t=new Date(p.t.replace(' ','T'));if(!next&&t>now)next=p;}); if(!next)next=d.predictions[d.predictions.length-1]; var t=new Date(next.t.replace(' ','T')); var ts=t.toLocaleTimeString('en-US',{hour:'numeric',minute:'2-digit',hour12:true}); document.getElementById('ci-tide').innerHTML='\\uD83C\\uDF0A'+(next.type==='H'?'High':'Low')+' tide '+ts+''; }) .catch(function(){document.getElementById('ci-tide').innerHTML='\\uD83C\\uDF0ATide n/a';}); /* ── active nav highlight ── */ document.addEventListener('DOMContentLoaded',function(){ var here=window.location.href; document.querySelectorAll('#pclh-nav a').forEach(function(a){ a.classList.remove('pclh-active'); var h=a.getAttribute('href'); if(h&&here.indexOf(h)!==-1&&h!=='https://palmcoastlocal.com')a.classList.add('pclh-active'); }); }); })();

  #  CareCredit is gaining popularity in Florida for Seniors and Patients

    Details    Parent Category: [ALICE](https://mail.palmcoastlocal.com/alice-articles)   Category: [Consumer & Finance](https://mail.palmcoastlocal.com/consumer-finance)    Published: 04 October 2023  Palm Coast, Florida, along with various other Florida locations, is experiencing substantial growth and increased prominence within the healthcare sector. The influx of healthcare clinics, providers, and specialists is expanding the range of healthcare options available to patients. As a result, more individuals are discovering improved healthcare alternatives than ever before.

Furthermore, there is a rising trend in assisting healthcare policyholders with costs that are not covered or entail substantial upfront expenses, potentially impeding individuals from accessing the necessary assistance they require. One method gaining popularity is providing support for such expenses so an individual can get the help they need now. Care Credit.

CareCredit is a healthcare financing program in the United States that provides individuals with a credit card specifically designed for healthcare expenses. It is often used to cover medical and dental procedures, elective surgeries, vision care, and other healthcare-related costs that may not be fully covered by insurance or that individuals cannot afford to pay for out-of-pocket.

***Here's how CareCredit typically works:***

**Application:** Patients can apply for a CareCredit credit card online, over the phone, or in-person at a healthcare provider's office that accepts CareCredit.

**Credit Approval:** After applying, individuals will undergo a credit check to determine their eligibility. Approval is based on the applicant's creditworthiness.

**Credit Limit:** Once approved, patients are given a credit limit that they can use for healthcare expenses. This limit varies based on the individual's credit history and financial situation.

**Use:** CareCredit can be used at a network of healthcare providers, including doctors, dentists, veterinarians, optometrists, and more. It can cover a wide range of medical expenses, from routine check-ups to major surgeries.

**Repayment:** Depending on the terms of the agreement, cardholders may have a promotional financing period during which they can pay off their balance with little to no interest, typically ranging from 6 to 24 months. If the balance is not paid off within this promotional period, standard interest rates will apply.

**Monthly Payments:** Cardholders are required to make monthly payments to pay off their balance over time. The monthly minimum payment depends on the balance owed and the terms of the CareCredit agreement.

It's important to note that CareCredit is not a traditional credit card and is primarily intended for healthcare-related expenses. Many people find it useful for managing unexpected medical costs or elective procedures that may not be fully covered by their health insurance.

Before applying for CareCredit or using it for healthcare expenses, it's essential to carefully review the terms and conditions, interest rates, and repayment options to ensure you understand the financial commitment involved. Additionally, ensure that your healthcare provider accepts CareCredit as a payment option. As time goes on you'll find more local health care facilities and medical equipment dtores offering CareCredit. While there are other options available this card may offer a lower

A few Benefits of using CareCredit:

Using CareCredit can offer several benefits, depending on your healthcare needs and financial situation:

1. **Flexible Payment Options**: CareCredit provides a line of credit that can be used to cover a wide range of healthcare expenses. It allows you to break down your medical bills into manageable monthly payments, making it easier to budget for unexpected healthcare costs or elective procedures.
2. **Immediate Access to Care**: CareCredit can be approved quickly, often within minutes, allowing you to access necessary medical treatments or procedures without delay, even if you don't have the funds available upfront.
3. **Interest-Free Financing**: CareCredit frequently offers promotional financing options, allowing you to pay off your balance without incurring interest charges if you meet specific repayment terms. This can be especially beneficial for costly procedures or treatments.
4. **Broad Network**: CareCredit is accepted by a vast network of healthcare providers, including doctors, dentists, veterinarians, and specialists, giving you the flexibility to use it for a wide range of medical services.
5. **No Annual Fees**: Unlike some credit cards, CareCredit typically does not have annual fees, so you won't be charged just for having the card.
6. **Emergency Preparedness**: CareCredit can serve as a financial safety net in case of unexpected medical emergencies or urgent healthcare needs, ensuring you have a way to pay for essential treatments.
7. **Preservation of Savings**: Instead of depleting your savings or emergency fund to cover healthcare expenses, you can use CareCredit to preserve your cash reserves for other important financial needs.

However, it's crucial to use CareCredit responsibly to fully benefit from its advantages. Make sure to understand the terms and conditions, including interest rates and repayment schedules. Additionally, it's essential to budget for the monthly payments to avoid late fees and interest charges. While CareCredit can be a valuable financial tool for managing healthcare costs, it's important to assess your own financial situation and needs before applying for and using the credit card.

You can read more about [How CareCredit Works](https://www.carecredit.com/howcarecreditworks/prospective/) on their website.

This article is meant for informational purposes only so you can make informed decision and not meant as financial or medical advise.

Do you have experience with CareCredit or other options? Let us know in the comments and share with your friends or family that may find this information helpful. Are you a business that accepts CareCredit? Let Us Know So We Can Tell Others.

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    Last Updated: 15 October 2023  - [ finance ](https://mail.palmcoastlocal.com/component/tags/tag/finance)
- [ health ](https://mail.palmcoastlocal.com/component/tags/tag/health)
- [ medical ](https://mail.palmcoastlocal.com/component/tags/tag/medical)
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