Dental Insurance
Should you choose
to have dental insurance?
In a moment I
will share a link that seems to share an unbiased view of whether or not one
should have insurance. My thoughts are that if you typically just have your two
visits per year, that you should set aside in your savings a set amount to pay
for your yearly visits; about $400 per person should be enough. You could also
work out a plan with your dental professional to have money come out of your
account each month which goes into their coffers creating a balance for you to
use when your checkups come up. And because your dentist has this money
(although it may be a small amount) to use between visits, you could get some
type of discount on services. This has worked real well as arrangements with
auto mechanics and other types of needs that come up regularly. Just be sure
that this arrangement is known by your heirs so they can retrieve any balance
you may leave when you pass on.
Now, if you
are not a disciplined saver you may consider a “forced savings” program by
getting insurance coverage. The other reason why you might consider having
dental insurance is when you will “use” it. By this I mean; the big stuff, root
canals, etc. etc. No one likes pain and having the money to get your teeth
taken care of the moment you need it, is like a Godsend. Understand though that
you’ll pay more for a policy that offers these to pay for these “premier”
charges and also there usually is a duration you’ll pay for the insurance before
it will pay for such things; it all has to make sense in the math so that the
insurance company also makes a profit for providing this service.
As an
insurance agent (Life and Health) I offer dental insurance in many states and
we can work over the phone and Internet. Please contact me at the email and
phone number provided on this page.
Now here is
the article I promised. It’s by Bankrate and I think it is very good. CLICKHERE.
If you have
questions or comments, please leave them at the end of this article.
Make it a
great day!
Terry (Ter)
Scott
Want to get
Terry Scott’s newest eBook: Insurance Wise? Buy it on Amazon or get it here at
no cost: www.terscott.com/insurancewise.
(If the page or link doesn’t open, please request it at: tlsinsuranceagentAT(replace with):@yahoo.com
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