The concept of insurance is a very simple one, allowing peace of mind and reassurance in a world that rarely offers much of either. While any kind of insurance is a sound investment in the long term of your family and their financial future, it is nevertheless worth considering the situation on a more level playing field.
Very rarely is insurance the end of the matter. These companies hire entire departments whose sole purpose it is to find a reason to deny a claim. There have been numerous reports of people being denied their payouts due to things posted on social networks which appear, at face value, to contradict their claims information– and once denied, a claim is rarely changed. None of this stops insurance being a viable safety net for the majority, but should it really be the end of the line.
One such example worth considering is that of dental insurance; again, a sensible policy that many people are wise to take out to protect their family’s oral health. However, the popularity of this kind of protection has lead to the somewhat mocking attitude towards other methods of paying for dental treatment, primarily dental cards.
Dental cards, which offer a discount on a range of procedures after an upfront fee, should not be seen as the enemy or alternative to insurance, but rather to something that can support and make insurance more viable. For example, there are many smaller treatments that it would make no sense to make a claim for insurance for, which a dental card can help mitigate the costs of.
There is also protection if you find yourself in the difficult, though not uncommon, situation where your insurance has refused to meet a claim. A dental card will allow an element of protection in these circumstances, allowing you to bring the overall cost down as you try to meet the costs, and providing a relief from at least one worry.
At the end of the day, your oral hygiene is an important investment not just in your mouth but in your overall health. There is no harm in doubling up on protection, especially if you may otherwise struggle to find a lump sum payment for any kind of treatment. Focus on solving emergency issues or work to repair painful teeth rather than cosmetic options and ensure you, and your family, are covered in as many situations as possible. The alternative, a lack of preparedness, will be far worse.