Dental Insurance - Is It Important?

Dental insurance pays for dental treatments so that you don't have to pay
for them yourself. Usually dental insurance is provided by your employer
together with your health insurance.
However, it pays to take a closer look because there are many providers and
there are differences in services, costs and treatments covered.

You may also look for a dental insurance when you are unemployed or your
employer doesn't offer it. According to the American Dental Association more
than half of the US population has no coverage for dental care.

There are a few important things to consider when choosing dental insurance.
Some insurances don't cover major dental procedures like crowns or bridges.
Read the agreements carefully and pick an insurance which does not only
provide coverage for basic restoration treatments.

With some dental insurance companies you can not choose the dentist yourself
but must take one which is in their database.
While this hasn't to be bad, it's annoying when your favorite dentist is not
supported and you must go to a different one.

You should also take a close look at the UCR agreement (Usual Customary and
Reasonable). There you can find out how much your insurance is willing to
pay for certain treatments. If your dentist charges more then you may end up
with a difference you have to pay out of your own pocket.

If the insurance company lets you choose the dentist then it's likely they
have an UCR like mentioned. If the insurance just supports a network of
certain dentists then you shouldn't be charged for the difference because
the insurance should already have negotiated the costs with the dentist.

There is also a yearly maximum the insurance is willing to pay.
This limit is usually about $1,000. That means that your insurance only
wants to cover the most important dental treatments and not everything
possible. Cosmetic treatments won't be covered because the insurance will
only pay for procedures where it sees a real physical need for it.

If you look for an insurance therefore that covers cosmetic dentistry
procedures like teeth whitening or porcelain veneers then you won't find
many. There are companies though who can help you to finance your dream of
perfect white teeth. Other companies offer significant discounts, also for
cosmetic dentistry. Since the discounts are anywhere between 10% and 35% and
cosmetic enhancements are very pricey, you can save a lot of money.

There are so many dental insurance providers that it pays to compare. On my
web site http://dentistrylist.com I have mentioned some of the companies for
your further interest.

About The Author: Frank Denber provides detailed information on dental
insurance, teeth whitening, cosmetic dentistry, dental implants, porcelain
veneers and more at his web site http://www.DentistryList.com

The Top Risk Management Tips - Prevent Injury At Work

Slips and trips maybe seen by some as funny but they are in fact the most
common cause of major injuries at work with over a third of all injuries
reported each year caused by slip or trip accidents. In fact slip or trip
accidents account for:

20% of injuries where the employee is absent for over 3-days 33% of all
reported major injuries
2 fatalities per year
50% of all reported accidents to members of the public A cost of £368
million per year to employers in lost production and other costs

The highest rate of injuries occurs in the food and drink, repair of
consumer goods and vehicle sectors. However with almost all workplaces being
affected by this type of injury and with most slips occurring due to poor
housekeeping, solutions to the problem are often simple and cost-effective.

Northern Counties Insurance Brokers, the UK Insurance Broker and experts in
risk management have produced these Top Tips on how you can reduce your
exposure to risk and with it your insurance premiums.

1. Planning

By having an effective management system in place the key areas of risk can
be identified and goals can be set to make improvements. This should include
selecting equipment and work practices that contain slip and trip hazards
and if possible prevent them occurring.

2. Organisation

Get workers involved in and committed to reducing risks. This should involve
giving people responsibilities to ensure that areas of the workplace are
kept safe and then making sure everyone is aware who is responsible for each
area.

3. Control

Keep a record of cleaning and maintenance work and encourage good health and
safety.

4. Monitor and Review

Keep an accident log and re-examine it on a regular basis to learn from
incidents that have occurred.

5. Examine slip and trip risks

The Health and Safety Executive recommend a 5 step approach to risk
management when dealing with slip and trip risks and these
are:

Step 1 – Look for slip and trip hazards around the workplace (e.g., uneven
floors, trailing cables, areas that are sometimes slippery due to spillages)

Step 2 – Decide who might be harmed and how. Are the people who come into
your workplace at risk?

Step 3 – Consider the risks – do you already have precautions to deal with
the risks?

Step 4 – Record your findings if you have 5 or more employees

Step 5 – Regularly review the assessment. If any changes take place make
sure that precautions are in place to deal with the risks

Mark Burdett of Northern Counties said, “When it comes to preventing slips,
trips and falls happening getting conditions right from the start will make
dealing with risks easier. This can include choosing the right flooring,
making sure lighting levels are sufficient, avoiding overcrowding and making
sure access routes are clear. By doing this the chances of an accident
occurring will be greatly reduced and therefore so will your exposure to
risk. And with certain insurance companies now offering substantial
discounts for good health and safety many businesses could also save money
on their Business Insurance premiums”.

About The Author: For information on Northern Counties and on how they can
help your company reduce it’s exposure to risk and insurance premiums visit
http://www.northerncounties.com or call Northern Counties on 0191 482 1219.

Your Credit Score & Your Car Insurance Costs

It's certainly no secret today that your credit score goes with you just
about everywhere when it comes to purchasing something on time. However, if
you think your credit score only comes into play when you are applying for a
loan you need to re-think that.

When it comes to car insurance, many insurance companies will also take your
credit score into consideration when it comes to determining the cost of
your coverage or even coverage at all if you are applying for insurance.

Even with a spotless driving record, this can be the case.

You see, for insurance companies, it's all about statistics and risk
factors. Many insurance companies believe that mediocre to poor credit
ratings equate to higher insurance risks.

So, if you're not the best at getting your credit card payments in the mail
on time you may want to stop and think about changing your payment habits
and make more of an effort to improve your payment track record. Whether
this is true at all or not, almost all auto insurers use your credit score
in the mix to some degree when determining your premium.

Knowing this, makes it even more important for you to know exactly what your
credit score is and why it is what it is. In other words, even if you
believe you've never been late on any payment, credit reporting companies
are far from flawless.
There could be mistakes or even misrepresentations on your report that could
cause to have your insurance rated (higher
bracket) or even denied.

So, take a few minutes (and you can do very easily online) and get your
credit report. Or check out your FICO (Fair, Isaacs &
Co) score; which is what insurance companies use to factor your credit
rating into the cost.

A driver with bad credit is going to pay more for their insurance than those
with good credit.

If you do have bullet proof credit, this is all the more reason for you to
shop your insurance around. You may find an insurance company that offers
bigger discounts for A+ credit ratings.

About The Author: Jeff Neilan's car dealer experience offers insightful car
buying tips that save you time and money. Be sure to visit
http://www.acarbuyersguide.com for car insurance tips, financing costs, &
more.

Is It Time To Reconsider Your Automotive Insurance Policy?

Americans are a busy group of people, and once we take care of something,
such as purchasing automotive insurance, we tend to forget about it and move
on to the next task. However, purchasing an automotive insurance policy only
to neglect it could end up costing you more money in the long run, or even
leaving you unprotected. There are times in our lives when we need to stop
and evaluate our current automotive insurance policies.

Reconsider your automotive insurance policy when you get married. When two
people get married, they can get an automotive insurance policy together,
thus spending less money and possibly even getting additional discounts.

Reconsider your automotive insurance policy if you purchase a new car. If
you've borrowed money from a lender to purchase your new car, chances are
your lender will require you to purchase full coverage insurance. Even if
your lender doesn't, your state most likely will. If your automotive
insurance policy only covers liability because you own one of your cars, or
the car you traded in, you need to increase the coverage of your automotive
insurance policy.

Reconsider your automotive insurance policy if you relocate. If you
currently live in a quaint little country town that sees very little
wrongdoing aside from the occasional cow-tipping, you probably don't have a
very high amount of automotive insurance. However, if you're moving to a
larger city with a higher crime rate, your car will be more at risk and you
should make sure you add the extra coverage.

Reconsider your automotive insurance policy if you're getting on in years.
Most insurance companies offer discounts to policyholders who are a certain
age - usually 55 years old. If this is you, give your agent a call and find
out about discounts you may qualify for.

Remember, certain tasks are worth completing and forgetting.
Taking out the trash is one of them; purchasing automotive insurance is not.

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