Finding A very Low Rate For Individual Dental Insurance

While many of us understand the need for regular dental care, a surprisingly large number of people still will not see a dentist regularly. Oftentimes, this is a result of concerns about cost. When asked why they have not seen a dentist recently, more than one-third of individuals asked, reported that it was due to the price of care.

While dental insurance is able to reduce these costs, a lot of people have difficulty getting a plan that is both affordable and comprehensive. In 2008, nearly 45 million people had no dental insurance. Of people with health insurance through work, nearly 80% also received dental benefits. Only 30% of those people also had a dental plan.

As these numbers indicate, having a good dental insurance plan is directly correlated with better health. The better your insurance, the less likely you are to have cavities or more serious issues with your teeth. Even if you do not get dental insurance by your employment, you must find an individual plan that will make it affordable to see a dentist.

Fortunately, you can find individual dental insurance plan policies that can help. However, prior to choosing a plan, there are a few key elements that you should bear in mind. Otherwise, you may end up with a plan that will not provide you with the coverage that you need.

If you are already a patient of a particular dentist, and you are happy with using this type of care, you should choose a plan that he accepts. Otherwise, either your new insurance will not actually save you any money or you will have to get a new dentist. Before you start shopping, talk to your dentist's office to find out which plans he accepts.

Consider your personal needs and the needs of your family when you are looking for a plan. Are you simply looking for insurance for yourself, or are there other members of the household who need coverage as well? For example, if you have children, you need to look for a plan that covers pediatric dentistry.

Additionally it is a good idea to consider the future cost of orthodontics when choosing a plan. The odds are that at least one of your children will need braces. More than 80 percent of orthodontic treatment is done on patients under the age of 18. Look for a plan that gives generous benefits for such treatment.

Make sure to balance the cost of the monthly premiums against your own out-of-pocket obligations. Many people automatically choose the plan with the lowest premiums, only to be shocked when they learn how much they have to pay before their benefits kick in. It may be worthwhile to pay a bit more each month so you pay less later on.

There is a lot to consider when you are shopping for individual dental insurance. Take your time and don't make any hasty decisions. This way, you can find a plan that works for you and peoples.

Auto Insurance Rate Cuts In Ontario - Really

News recently about the NDP government and proposed push on auto insurance policy premiums rate cuts of 15% (fifteen percent) across the board for Ontario drivers. The opposition claims that this, of course, is nothing more than a political move – a typical political promise just to get in power and run the provinces of Ontario. While it may be a tactful move on the NDP, threats of this nature really hit a nerve with many Ontario drivers. Ever since Ontario introduced auto insurance reform in 2010, there has been nothing but backlash.

Looking back, the basis of the auto insurance reform was largely due to the industries cries and pleas to the Ontario government to act on and put in place measures to reduce the rampant car insurance scams – or outright fraud – that was occurring throughout the province, but notable in certain regions and cities of Ontario.

Looking at the financial reports of the publicly traded insurance companies prior to 2010, it was evident that many, and likely nearly all – insurance companies were running financial losses. These losses, once one takes a closer look, were largely based on car insurance claims payouts that were significantly higher than the projected payout rates.

In summary, more fraud correlated to more and higher payouts for claims within in turn forced the car insurance companies in Ontario to drive up policy premiums for Ontario drivers and consumers. One of the misconceptions was that Ontario car insurance companies are greedy…. Whilst this may be the case, they certainly we're making much – if any – profit on Ontario drivers, thanks to rampant fraud within claims.

Since 2010 we see reports that car insurance claims fraud has been reduced. This is good news for everyone and has led to stabilized, and in some cases reduce car insurance rates. But can the industry really sustain a 15% across the board rate cut? Looking at the current financial statement of car insurance companies in Ontario, this is right about the level of profit they earn. So a 15% rate cut would mean these companies would be forced to operate without profit – or cut payouts on claims.

Sometimes governments make bold statements without digging deeper in to the underlying issues. Sound all too familiar?

As an Ontario consumer – a driver – your best bet for a better rate on your car insurance is to shop around. Try a Quote App like that of insure metoo.com. It takes about 3 or 4 minutes to complete, and they serve up about 8 quotes for you to choose from. Hopefully some of these quotes are better rates.