Wellness and Health Benefits Fair, Dec. 01

Wellness and Health Benefits Fair, Dec. 01
family dental insurance
Image by Presidio of Monterey: DLIFLC & USAG
PRESIDIO OF MONTEREY, Calif. – Presidio of Monterey community members discuss wellness issues with service providers and experts during the Presidio’s Wellness and Health Benefits Fair at Price Fitness Center on Dec. 1. About 25 exhibitors displayed their wares and offered assistance and selected guests spoke as part of the theme “Renewing our Commitment to Your Well-being: Heart – Mind – and – Soul.” Open benefits season runs through Dec. 13. This is the time of year to ensure employees have the right health, dental or vision insurance coverage for themselves and their family. It is also time to consider the out-of-pocket medical or dependent care expenses to save money on in 2011. For more information, visit www.opm.gov/insure/openseason.

Official Presidio of Monterey Web site

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PHOTO by Steven Shepard, Presidio of Monterey Public Affairs.

There have been many instances whereby insurances that include dental care will fail to fully support the expenses incurred for dental care of a family. These would tend to create financial problems as the family would have to spend their own money or even borrow just to cover for the expenses created by the dental care of a family member due to insufficiency of insurance coverage. For this reason, supplemental dental insurance plan was created.

The importance of verifying fully the fine prints of an insurance coverage should never be taken for granted. By verifying and fully understanding your coverage and likewise the limitations of your insurance protection, you can prepare yourself for any eventuality that might arise. If your insurance for example would include dental care as part of your coverage, it does not necessarily mean that all services related to your family’s dental care will be covered. You will have to read the fine print of the policy to know if what kind of dental care is really covered by the insurance.

The stipulation as to what dental services are not covered will also be found there. Thus, if you are already aware of the true extent of your dental coverage, you can then decide for yourself if you still need a supplemental dental insurance plan. Your decision will of course consider the dental situation of your family; whether your daughter’s set of teeth might not be in a good condition due to sweets or that maybe your son’s set of teeth might have to be subjected to braces because of its abnormal growth position.

Supplemental dental insurance plan was precisely designed by insurance companies to answer the growing needs of insured clients to make it easy for those who may have to avail a dental service without the burden of having to pay additional cash for such service. This is understandable since the dental coverage included in a regular insurance plan is complimentary in nature. As such, it is not made to cover most of the expenses that will be incurred in a dental care service.

In getting a supplemental dental insurance coverage, careful selection should be made in consideration of your foreseen dental needs. If you think there is a real need for your son to have later on a dental brace, then you can go for a supplemental dental insurance coverage for braces. Do not ever think that a supplemental dental insurance will cover for all your family’s dental care needs. Again, examine the policy. Read the fine print and know what are you covered for under the agreement.

It would be more to your advantage if before you decide on a supplemental plan, you first try a research on supplemental dental insurance plan. Researching on this subject in the internet can give you a good idea about the many supplemental dental care plans in relation to the exact coverage of the plan and the cost that you have to fork out as

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