Wednesday, July 22, 2015

Terry Scott, Insurance Agent Offers Dental Insurance; If you need it...

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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