Dental And Health Insurance

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Dental And Health Insurance

• The cost of dental care is constantly rising, and
  as a result, many consumers are turning to dental
  health insurance to help them pay for their
  dental health care. Some consumers are fortunate
  enough to have dental health insurance provided
  by their employers, but this is not true for most
  people.
• If you decide to purchase dental insurance for
  yourself, there are a few things you should know.

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Four Main Types of Plans

• There are four main types of plans that are
  commonly referred to as dental health insurance
  plans, although some are not insurance in the
  traditional sense of the word.

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1 Traditional Insurance

• The first type is traditional insurance for
  dental care. Like health insurance, this type of
  dental health plan requires the owner to pay a
  premium, and the insurance covers a percentage of
  the dental bills the person faces.
• Companies often offer this type of insurance plan
  to their employees.

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2 Reimbursement Plan

• The second type of dental plan is a reimbursement
  plan. This plan also involves the employer, but
  does not involve any actual insurance.
• Instead, the employer agrees to pay a portion of
  the dental bills the employee receives each year.
  This frees the employer from having to pay
  premiums.

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3 Group Plan

• The third type of plan is a group plan. With a
  group plan, a group of employees will work
  together to pay the premiums so the employer is
  not out any money when offering the insurance to
  the employees.
• The more people are on the plan, the more
  affordable the premiums will be for each
  individual.

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4 Discount Dental Plans

• Finally, discount dental plans are commonly
  advertised among dental health insurance plans.
  This is not actually health insurance, but helps
  reduce the cost of dental procedures for those
  who do not currently have dental insurance, but
  have an existing problem.
• These are extremely popular to many people
  because, unlike dental insurance, which requires
  a mandatory one year waiting period before you
  can be covered for pre-existing conditions,
  discount plans offer immediate savings!

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