Medical treatment is one of those things that you can always look for value with, but you can never afford to cut corners on. There should be no doubt in your mind that a good price is a good price, but if you have to trade away something as fundamental as your future well-being to get that price it’s really not very good. Making the right decisions on health and medical insurance isn’t something that will necessarily come easy to anyone. But it is something that merits the hard work it can take.
Nothing is more important, long term, than your own well-being. Many of us are at times guilty of ignoring this fact and focusing on shorter-term stimuli such as making a living and achieving an immediate goal. But we should never let the presence of a short-term goal make us forget about long-term well-being – too many people do this, and they make themselves too ill to appreciate what they thought they were working hard to achieve. All of which goes to show that we need to learn to ignore non-emergency short-term stimuli if they conflict with the long term.
Preparing for a time when things could be difficult means thinking with a clear head about what you can do. An increasing number of people are finding it difficult to afford full medical insurance, with a dental plan being one of those things that some employees include in their benefits package, but some leave out in favor of prioritising more general health care. And for many people in those jobs, a dental discount plan represents a very good substitute for the insurance; indeed, for a lot of people a dental discount plan may even be a preferable alternative to dental insurance.
If your employee can offer you a dental plan that covers you for everything you’ll need and leaves you with little or no excess to pay, then by all means it is something you should jump at. But a lot of people pay for insurance just to be able to say they’ve got it covered. Only when they come to look at claiming do they sometimes find that the provider will do everything possible to avoid paying out.
If you have a dental discount plan, you qualify for a reduction in your dental bills, it’s as simple as that. And while it may leave you with some still to pay, it’s a lot better than finding your cover is worthless.