Do You Really Need Dental Insurance?
From Editor: This is a guest article contributed by Richard Keane
The monthly budget of many individuals and families is already overcrowded with bills and things to pay for. The thrust of many people is how to prune down their budget and reduce the number of things that they have to pay for. People are thus going through their expenses to find services and products that they could do without. Against this backdrop, one question that many ask is, do I really need dental insurance?
At first glance, you may be tempted to answer a quick no, the reason being seemingly quite simple. Why put up with paying monthly premiums for dental cover, when you take such good care of your teeth and have no cavities or toothache? Well, each person will have to answer that question in light with their own circumstances. At present, about 30% of Americans do not have any form of dental insurance cover. That translates to about 100 million Americans that do not have dental cover. You may be quick to ask yourself, if they can stay without dental insurance, why can’t I do the same too?
The right answer for you
To properly determine the right answer for you, you need to first consider the reasons why people take or need insurance. Insurance policies are not necessarily taken because of present danger or crises, are they? We seek insurance coverage because of possible negative eventualities that may occur. A person who takes a theft and burglary home insurance cover will not stop taking steps to prevent his home from theft and fire. The cover is taken to provide cover and compensation if and when a burglary or theft does occur.
But I take good care of my teeth
Taking good care of your teeth is not always good enough reason to drop dental insurance. Based on the statistics of people without dental insurance coverage mentioned above, we can conclude that there are about 100 million Americans who will have to pay from their own pocket to cover the costs of any dental treatments that may arise. Or, they will have to suffer in silence and go without dental treatment if they cannot afford it. Is the option of going without dental insurance still looking attractive?
An expensive market
Dental treatments are very expensive and you will need to consider if you will be able to bear these costs yourself without dental insurance. For example, as a dentistry guide, crowns go for between $500 and $3,000 per tooth. Even when you have the best of oral hygiene habits, gum disease issues or accidents such as a fall could occur that will require expensive dental treatments. Without adequate cover, you will have to pay for it yourself or do without it.
What are the advantages of dental insurance?
Dental insurance, without a doubt offers a number of advantages. It can cover the costs of routine visits and checkups and costs of emergency dental treatments. Depending on the type of insurance plan, you can even earn interest on the policy and receive a cash payout from the insurer. The major factor that makes many people hesitate or consider doing without dental insurance is the costs associated with paying monthly premiums. When you consider the rising costs of living generally, plus the costs of several insurance policies that you need, it may all seem overwhelming. With proper budgeting and management, many people seem to succeed.
In conclusion, the answer to the question, do you need dental insurance, is best answered by you. You have to determine the amount of dental related risks that you are willing to expose yourself and your family to.
Insurance: A Guide
"Remember kids, I have life insurance" - Adam Savage
This is a guest article from Tatyana Levin
These days one must be financially savvy. Money is not easy to come by and should be managed carefully. With the availability of tools that make it easy to keep track of current events, the stock market, and even your own money, it would be almost a crime to not utilize these tools to make the best and most informed financial decisions. Unfortunately, the more there is, the more there is to keep track of. This applies both to tracking tools and money (the small curse within the comfort of having money to keep track of).
The savvier ones of us dabble in investments, and the savviest make their living that way. The key is that they know what to invest in. Not magically, of course; investors do a significant amount of research to learn how to optimize their portfolios, but they have the understanding.
A grossly overlooked investment is insurance. This may be because is not typically referred to as an investment with the exception of whole life insurance that has a specific investment component within it. Webster’s defines the word “invest” as a commitment of money for a return and “insurance” as a guarantee. This makes insurance the safest type of investment, because your returns are guaranteed. But returns are not always financial in the case of insurance. They can be, if there is an unforeseen accident, but the most certain return is the feeling of security.
Now there are many different types of insurance, and what you need depends on your current situation. Obviously you only need auto insurance, found using auto insurance leads if you have a car, and you only need renter’s insurance if you rent and have possessions that you would need insured. Insurance is for those who have something to lose. With an attachment to something, either emotional of physical (or dependence, not like physically being glued to your car), comes the fear that it will be damaged or ruined in some way. For example, if your house caught on fire, you would be devastated. What would add insult to injury is not having a way to recover from this horrible disaster.
These types of examples are not unique to this article. That is the way that insurance is sold. As they say that clichés are clichés for a reason, insurance is promoted this way for a reason. The foundation of the concept of insurance is uncertainty, and it is the same uncertainty that is conjured up when investing.
The main difference between insurance and investment is that not having insurance creates a feeling of uncertainty while investments by nature are uncertain. Therefore, investing in insurance creates security and is the only secure investment that exists (and is legal). Getting insurance should be one of the easier financial tasks if you apply all the resources available with technological advances like smart phones.
About the Author: This article was written by Tatyana Levin, a copywriter for InsuranceFiles.com
From Editor: This is a guest article contributed by Richard Keane
The monthly budget of many individuals and families is already overcrowded with bills and things to pay for. The thrust of many people is how to prune down their budget and reduce the number of things that they have to pay for. People are thus going through their expenses to find services and products that they could do without. Against this backdrop, one question that many ask is, do I really need dental insurance?
At first glance, you may be tempted to answer a quick no, the reason being seemingly quite simple. Why put up with paying monthly premiums for dental cover, when you take such good care of your teeth and have no cavities or toothache? Well, each person will have to answer that question in light with their own circumstances. At present, about 30% of Americans do not have any form of dental insurance cover. That translates to about 100 million Americans that do not have dental cover. You may be quick to ask yourself, if they can stay without dental insurance, why can’t I do the same too?
The right answer for you
To properly determine the right answer for you, you need to first consider the reasons why people take or need insurance. Insurance policies are not necessarily taken because of present danger or crises, are they? We seek insurance coverage because of possible negative eventualities that may occur. A person who takes a theft and burglary home insurance cover will not stop taking steps to prevent his home from theft and fire. The cover is taken to provide cover and compensation if and when a burglary or theft does occur.
But I take good care of my teeth
Taking good care of your teeth is not always good enough reason to drop dental insurance. Based on the statistics of people without dental insurance coverage mentioned above, we can conclude that there are about 100 million Americans who will have to pay from their own pocket to cover the costs of any dental treatments that may arise. Or, they will have to suffer in silence and go without dental treatment if they cannot afford it. Is the option of going without dental insurance still looking attractive?
An expensive market
Dental treatments are very expensive and you will need to consider if you will be able to bear these costs yourself without dental insurance. For example, as a dentistry guide, crowns go for between $500 and $3,000 per tooth. Even when you have the best of oral hygiene habits, gum disease issues or accidents such as a fall could occur that will require expensive dental treatments. Without adequate cover, you will have to pay for it yourself or do without it.
What are the advantages of dental insurance?
Dental insurance, without a doubt offers a number of advantages. It can cover the costs of routine visits and checkups and costs of emergency dental treatments. Depending on the type of insurance plan, you can even earn interest on the policy and receive a cash payout from the insurer. The major factor that makes many people hesitate or consider doing without dental insurance is the costs associated with paying monthly premiums. When you consider the rising costs of living generally, plus the costs of several insurance policies that you need, it may all seem overwhelming. With proper budgeting and management, many people seem to succeed.
In conclusion, the answer to the question, do you need dental insurance, is best answered by you. You have to determine the amount of dental related risks that you are willing to expose yourself and your family to.
Insurance: A Guide
"Remember kids, I have life insurance" - Adam Savage
This is a guest article from Tatyana Levin
These days one must be financially savvy. Money is not easy to come by and should be managed carefully. With the availability of tools that make it easy to keep track of current events, the stock market, and even your own money, it would be almost a crime to not utilize these tools to make the best and most informed financial decisions. Unfortunately, the more there is, the more there is to keep track of. This applies both to tracking tools and money (the small curse within the comfort of having money to keep track of).
The savvier ones of us dabble in investments, and the savviest make their living that way. The key is that they know what to invest in. Not magically, of course; investors do a significant amount of research to learn how to optimize their portfolios, but they have the understanding.
A grossly overlooked investment is insurance. This may be because is not typically referred to as an investment with the exception of whole life insurance that has a specific investment component within it. Webster’s defines the word “invest” as a commitment of money for a return and “insurance” as a guarantee. This makes insurance the safest type of investment, because your returns are guaranteed. But returns are not always financial in the case of insurance. They can be, if there is an unforeseen accident, but the most certain return is the feeling of security.
Now there are many different types of insurance, and what you need depends on your current situation. Obviously you only need auto insurance, found using auto insurance leads if you have a car, and you only need renter’s insurance if you rent and have possessions that you would need insured. Insurance is for those who have something to lose. With an attachment to something, either emotional of physical (or dependence, not like physically being glued to your car), comes the fear that it will be damaged or ruined in some way. For example, if your house caught on fire, you would be devastated. What would add insult to injury is not having a way to recover from this horrible disaster.
These types of examples are not unique to this article. That is the way that insurance is sold. As they say that clichés are clichés for a reason, insurance is promoted this way for a reason. The foundation of the concept of insurance is uncertainty, and it is the same uncertainty that is conjured up when investing.
The main difference between insurance and investment is that not having insurance creates a feeling of uncertainty while investments by nature are uncertain. Therefore, investing in insurance creates security and is the only secure investment that exists (and is legal). Getting insurance should be one of the easier financial tasks if you apply all the resources available with technological advances like smart phones.
About the Author: This article was written by Tatyana Levin, a copywriter for InsuranceFiles.com
No comments:
Post a Comment