Health Insurance
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Dental Insurance
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Will the courts strike down “ObamaCare”? Will mandatory health insurance ever become a reality? Will grandma really get sent to a “death panel”? Who knows!
While Washington argues about America's health care, there's one thing you can still be certain of in the meantime: you and your family definitely need a comprehensive health insurance plan. Without insurance, both your physical body and your finances are at great risk. Living in America without an insurance plan is a little like an amateur mountain climber scaling Everest without any safety gear – that is, very, very dangerous.
Consider these few stories from around the nation, and ask yourself if the same thing could happen to you:
• Doug, a professional photographer, has diabetes but couldn't afford medical insurance. As his diabetes-related expenses started stacking up, he eventually had to file for bankruptcy (Source: Ventura County Star, December 18, 2010).
• In 2009, Julie Ruggles died of a heart attack. She already had MS and she was chronically ill, but was without medical insurance, and she and her family didn't have enough money to pay for the routine medical care that might have saved her life (Source: Business Week, July 29, 2009).
• Mr. Kirkwood of Arvada, CO, suffered a back injury that prevented him from working and eventually required surgery. With no medical insurance and no income, he and his family lost their home (Source: ABC Denver, December 16, 2010).
Don't become another statistic. Our insurance agents can help find a plan that covers your arms and legs -- without costing you an arm and a leg.
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It's easy to become so focused on finding medical insurance that you neglect the search for dental insurance. Yet just like medical coverage, you and your family shouldn't live without dental insurance.
What do typical dental procedures cost without insurance?
• Root canal: as much as $900.
• Tooth extraction: as much as $650.
• Dental implants (for damaged or missing teeth): as much as $30,000.
If you get into a car accident and need oral surgery to patch up your mouth, will you be able to come up with tens of thousands of dollars on short notice? If such an emergency would force you into bankruptcy or taking out a second mortgage, then you definitely need dental insurance.
Keep in mind that these procedures don't necessarily include the cost of x-rays, follow-up visits, and special dental devices, nor do they cover routine cleanings, check-ups, or fillings. People without insurance are far less likely to go to the dentist for these routine procedures that prevent more expensive procedures down the road. Knowing that you can afford regular exams and preventative dental work is one more reason to get dental coverage.
Why continue to delay that trip to the dentist? Although you may think that you cannot afford dental coverage, our insurance agents can help you find a dental insurance plan that meets your needs without breaking your budget. Contact us today to learn how we can help.
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