How To Choose Individual Dental Insurance
Your dental health is an important part of your overall health, and should not be neglected. Having good dental insurance can help ease your mind when you or a family member has a dental emergency. But dental insurance is notorious for having a lot of limitations, and costing a lot of extra money. If you are interested in having dental insurance for your family, and you are considering individual dental insurance, it is important that you learn as much as you can before signing a contract. Otherwise, you could be in for a lot of headaches, and extra expenses.
Dental insurance is similar to medical insurance in that you pay a monthly premium, and you are then permitted certain benefits. Where medical insurance is largely used for and geared toward taking care of people when they have an ailment, dental insurance is the opposite. Most of the premium benefits of dental insurance come in the preventative care aspect. Insurance companies often cover things such as examinations, bi-annual cleanings, and x-rays 100%, where other treatments are only partially covered. Many restorative, corrective, and emergency procedures are sometimes only covered by as little as 50%, leaving the customer to foot the remainder of the bill. This is why it pays to take advantage of the preventative care benefits that are offered with a dental insurance plan, on order to avoid hefty bills for emergency treatments later on.
If you work for a company that offer a group dental insurance plan, then you can receive benefits at a discounted rate which is based on the number of employees in your company. You might also have a few plan options, with greater benefits, or lesser benefits, depending on what you are willing to pay. You monthly premiums will also be deducted from your paycheck, so you do not have to worry about paying the insurance company directly for your coverage.
If you do not have the work-related option, and you want to invest in dental insurance for you and your family members, you can enroll in one of many individual dental insurance plans available. Depending on the individual dental insurance plan you choose and the plan options and limitations, the costs can vary. While you might see a discount that is based on the number of participants in the plan, the cost will likely be higher than with a group plan.
When trying to de
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cide on an individual dental insurance plan, your research is key. The more you educate yourself on the different insurance companies and the dental plans that they offer, the better your benefits will be and the more money you will save in the long run. You can consult your regular dentist – if you have one – for recommendations of good individual dental insurance plans. And you can use the Internet as a research tool. The Internet can be a valuable resource that you can turn to for wading through different plans and their options, limitations, and costs. This will help you make a wiser decision on a plan that will suit you and your family’s needs better, and help to avoid confusion if there were a dental emergency in the future.
There are a few things to remember that apply to any kind of dental insurance, whether individual or group. Most dental plans only cover a portion of many of the more expensive procedures and treatments. That will cost you more money out of pocket. Also, going to a dentist that is not on your plan will probably result in discrepancies between the amount that the insurance company will cover and what the dentist charges for the service, meaning a bill for you to pay above your monthly premium. Therefore, if you have a dentist that you really like, try to find a plan that has him or her on the provider list to avoid most of the extra costs.
Individual dental insurance doesn’t have to cost you a fortune. And it is important that you and your family receive the preventative dental care they need in order to avoid expensive and painful procedures in the future. With careful planning and research, you can find an individual dental insurance plan to fit your needs and your budget.
By: Mark Woodcock -
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Barbra Streisand auctions off objects for charity – Yahoo! Canada News
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Mon Oct 12, 7:52 PM
By Alex Dobuzinskis
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BEVERLY HILLS, California (Reuters) – Singer and actress Barbra Streisand will auction hundreds of pieces of furniture, art, clothes and other possessions this week in a Beverly Hills charity auction.
The auction on Saturday and Sunday comes as the 67-year-old Streisand’s latest album “Love Is the Answer” has landed her back at No. 1 on the U.S. pop chart, making her the first artist to top the chart in five consecutive decades.
Together, the items are worth up to $600,000 but they are expected to sell for more because they belonged to Streisand.
All proceeds from the sale will go to The Streisand Foundation, which distributes funds to several causes, from the Natural Resources Defense Council to Human Rights Watch.
Among the items is a gold painted wooden “A” that she kept in her kitchen for years as a memento to her decision to drop an “a” from the spelling of her first name four decades ago.
Streisand is also selling a painting believed to be from Dutch artist Kees van Dongen worth up to $200,000, along with a chipped antique phonograph, shoes, books and a dental cabinet with more than a dozen slim drawers originally used for tools, that Streisand bought at age 18 for her jewelry.
“A lot of these items are very difficult for her to part with,” said Darren Julien, the auctioneer handling the sale. “Like the dental cabinet, it was her first purchase.”
Julien said Streisand is selling the items, which span everything from art nouveau pieces to American Indian baskets, and Georgian furniture to Americana knickknacks, because they do not fit with the re-design of her Malibu home.
“If you really can’t use it, why not let someone else enjoy it?” Streisand was quoted as telling the Los Angeles Times last week.
Streisand previously auctioned her furniture, art and personal items, including a 2004 memorabilia auction that generated about $500,000 in sales.
PIANO, BOOKS
Known for her liberal activism, Streisand is selling a piano that brings together her musical career and her passion for Democratic politics. It comes with a picture of her sitting at the keys, with portraits of herself with President Barack Obama and former President Bill Clinton placed behind her.
While some of the sale items are valuable on their own, such as a pair of George III mahogany bookcase cabinets from 1790 worth up to $40,000, others are more affordable.
There are several books, revealing an interest in author Elie Wiesel, along with dozens of Streisand’s shoes and a rust-colored rabbit fur coat.
There are also objects that show Streisand’s creativity as an interior designer, including a Gothic-style table with carved sphinxes that she had planned to turn into a vanity sink, before changing her mind.
“If she wasn’t a singer or an actress she would have been a designer,” Julien said.
(Editing by Jill Serjeant and Cynthia Osterman)
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