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There is a lot of information linking taking care of your teeth to good health.  Studies have recommended that good oral hygiene can reduce things like heart disease and more.  However, there is still a large population that does not have dental insurance.  The way most dental plans are designed include different levels of benefits.  You typically have your preventative services (cleanings), basic services (cavities) and then major services (crown).  Usually in a policy there will be different limits for each of these services in terms of what and how they will pay.  This might include things like a waiting period, a reduced benefit during that time frame, and calendar year maximums.  The plans will typically be designed so that the cost of the premium will cover at least your expenses for your cleanings, or potential services.  It is important to consider the individual details when looking at this kind of policy.  What will you use it for?  How much do things such as a crown cost (can be very expensive possibly north of $1000.00)? and what kind of risk are you willing to take on?  Having a solid Dental program can significantly decrease the risk of having a major out of pocket expense, while negotiating with the dentist can save you money, it will rarely save you as much money as having insurance will.  For more information on affordable Individual Dental Plans in Minnesota contact the Garsys Agency at 866-432-4753.
Posted 12:55 PM

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