“Dental insurance” is the going thing. I told Ruth several have called this month about dental insurance, and each had their own situation.
We’ve always heard how important it is to have good oral health habits beginning as a child. Yes, brushing, flossing and regular cleanings are critical, but it does not always prevent dental issues as we get older. Someone told me they thought our teeth were not meant to last as long as our bodies! While good oral health can be based on our choices, there are things we’re told not to do. Reduce sugar consumption – really? Reduce or eliminate acidic foods like citrus foods (some of my favorites), tomato products, coffee, and alcohol. Drink water to remove these from our teeth. Even if we do all the things we’re told and don’t do the things we’re told not to do, we can still have teeth issues. Don’t you know people who just have good teeth? And don’t you know others who just have bad teeth? A customer called in a panic. In May she and her husband enrolled in a dental plan with $1000 benefits each. They have both already used all their benefits. Her husband needs another root canal, and she needs several crowns soon– pricey stuff. She wanted to know if there was a plan they could get with more benefits. We were able to enroll them in a plan with $1500 benefits. This gave them $500 more benefits. She and her dentist are now working to schedule her procedures to be able to maximize her dental plan. Another customer called who had already enrolled in a dental plan with $1500 benefit. During a recent visit, her dentist told her she needs to prepare to have lots of work done in the next 12 months. Her situation is different because she can plan over the next 12 months. After looking at options, she enrolled in a second (and additional) dental policy. Once she uses all the benefits in her existing policy, the new/second policy will start providing benefits. She will have a combined total of $3000 benefits a year. It sounds like she’ll need and use all of that. After telling me how pleased she was with her policies, she said she was not looking forward to the discomfort/pain - she has a small mouth, and her dentist has large hands! Oh, my - not a good combination! A loyal reader called and told me he is retiring. He will lose his dental insurance and needs to find another plan. Since he is losing dental insurance, he may qualify to have the waiting period on minor and major services waived. A waiting period is something important to talk about when you’re enrolling in a dental plan – how long is it, what benefits does it apply to; get details to avoid surprises. Smile! Are you happy with your smile? What are your concerns? Call me at 501-868-6650 and say “Caroline, can we talk?”
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AuthorCaroline Beauchamp specializes in personalized life and health insurance solutions. Archives
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