Health Insurance Ron

Studies show that people who have dental coverage are more like to go to the dentist, as well as take their kids to the dentist. This is true for both preventive and restorative care, according to the National Association of Dental Plans.

Back in the old days, if you had a toothache you went to visit the -- barber. Yes, barbers were hair specialists as well as minor surgeons. Care to guess one of the most common dental functions of the classic "barber"? If you guessed tooth extractions, you're right.

What’s the difference between a PPO and an indemnity plan? In most cases, the PPO provides cost benefits for choosing in-network dentists. Indemnity plans pay a set percentage of the cost charged by any dentist chosen.

If you drink sweetened beverages like soda, you are more likely to suffer tooth decay than someone who prefers unsweetened beverages. How much more likely? There is a 62 percent increased risk of cavities and other problems.

If you are a heart patient, there is a risk that bacteria from a dental procedure – including a cleaning – can travel to your heart. Check to see if you should take antibiotics before your appointment.

Depending on your insurance policy, many preventive dental procedures have a very strict timeline. For example, a teeth cleaning is allowed every 6 months, and many insurance companies have made it so that this 6 month time frame is covered only to the day, and not a day earlier! Make sure to know what your policy covers!

Do you have a plan in place to help those around you upon your passing? If not, you’ll want to look into life insurance. Life insurance is a versatile product that not only pays upon your passing but can also be used throughout your life for everyone’s benefit now!

A contingent beneficiary is a secondary beneficiary. In the case that your primary beneficiary isn’t alive at the time of your passing, the insurance money will go to the contingent beneficiary.

Did you know that tooth decay is the most common, yet easily preventable disease? Despite this, tooth decay is more prevalent than asthma and allergies! Dental insurance can help curb this trend, since 50% of uninsured Americans forego necessary dentist visits because of the cost.

Did you know that 30% of American households don’t have life insurance and of the remaining households, only 44% have individual life insurance? Yet 50% of households state they need more life insurance to provide for and protect their families should anything happen.

Did you know that some carriers allow you to get the group discount for disability and life insurance with as little as three applications using a business entity? This is a great way to save anywhere from 25% to upward to 50%.

Can you guess how many people work as dentists according to the marketing company IBIS World Research, including Doctor of Dental Surgery (DDS), Doctor of Dental Medicine (DMD) and Doctor of Dental Science (DDSc)? If you guessed nearly one million in over 175,000 businesses, you're right.