Why Dental Insurance is Important

Why Dental Insurance is ImportantWhy Dental Insurance is Important
Does anyone really look forward to going to the dentist? No, that is not a trip we really enjoy. But it is so important. It pays to invest in prevention when it comes to protecting your teeth. The connection between oral health and overall health is well documented, and leaving dental coverage off the list of essential health benefits sends the wrong message about the importance of oral health. Dental insurance is generally low cost and highly affordable for many individuals and families. Many people who purchase dental insurance can benefit immediately, because dental insurance encourages, and generally pays for, regular check-ups.

Why Dental Insurance Makes Sense
If you have ever had dental work done you know it can be very costly. It can be as simple as a visit for professional cleaning and x-rays. Or it can be much more involved. Oral surgery, a crown, or a full set of dentures can be very expensive. The expense can mount quickly if dental work is required as a result of an emergency. If you just think about it for a moment dental insurance just makes good since. Depending on the type of insurance you have, dental plans pay either all or a percentage of the charges related to dental care.

It just stands to reason if you have dental insurance you are more likely to maintain a healthy mouth. Preventing oral health problems before they start is one of the best ways to keep your dental costs down. Don’t you think you will be more willing to have regular dental check-ups and cleanings if you have dental insurance? You know most insurance plans pay 100% for check-ups every 6 months.

Just how important is preventive care?
Let’s put it this way: Preventive care is important enough that a lot of dental insurance plans will pay for a check-up for new subscribers without a waiting period. They know that an ounce of prevention is worth a pound of cure.

Preventive care can help protect our overall health. A little know fact is there’s a lot a dentist can tell while looking into your mouth. Studies have shown that your mouth can exhibit symptoms related to more than 120 non-dental diseases. Two are diabetes and heart disease. So a dental checkup is a good thing even if you are having no gum or teeth problems.

Give SMA Services, Inc. a call.  We would like to help you save money while maintaining a healthy mouth.  The right dental plan can give you peace of mind…and a gorgeous smile, to boot. We have a Customer Services Representative waiting to help you.

Customer Services – 1-800-423-4992

Auto, Home, Marine Insurance

Auto_Home_MarineInsurance-01We all know that having insurance can be both a hassle and expensive, and sometimes, you may even wonder why you really need it. Sure, car insurance is a given, but can the same be said about home and marine coverage? Will you ever need these?

What would they cover in the event that I do need them? Could you manage the expenses and effects on life without a policy? These are all common questions regarding the importance of these types of insurance. If we can learn what exactly each policy covers and how it can affect us, we can fully understand and appreciate the sense of security that they can bring into our lives.

We all know you need auto insurance, not only because of the law, but because it is understood that driving an automobile is dangerous. You might be the person that obeys traffic laws, but you never know when someone else will not and are the cause of an accident that involves you. While at the same time, accidents do happen and you could be at fault. These are reasons why it is important to have some sort of auto insurance. Your car insurance could cover much more than collisions. Certain acts of nature can occur, like a hailstorm or a falling tree that may cause damage to your car that would be too expensive to fix out of pocket. The insurance will sometimes charge a deductible, but the cost would be minimal compared to what it would cost to fix the car on your own. Other ways to look at the importance of auto insurance is the fact that you’re protecting one of the largest investments that you’ll make in your life. Your insurance doesn’t only cover accidents and acts of nature, but it also could cover vandalism and theft as well. Lastly, with some sort of auto insurance coverage, you can have a peace of mind knowing that you are protected every time you hit the open road.

To some, paying home insurance is one of the most painful things they can do. Pouring out money month after month for something they can’t even see; that is, until they need it. There are several types of homeowner’s insurance policies, those of which depend on different variables, like if the insurer is renting or owning, and a few other things. Basics homeowner’s policies cover damage to the home caused by most acts of nature and, in some cases, theft, vandalism, or other specifically covered events. Some policies also pay for costs if someone sues the homeowner. Some people increase the amount of liability insurance they have with umbrella or extension coverage. It’s worth noting that basic homeowner’s insurance does not cover damage caused by earthquake and flood. Policies generally deny coverage of damage resulting from chronic and extreme neglect and faulty maintenance. There are limitations on mold-related situations and caveats for specific dog breeds kept on the property.

Marine insurance has become one of the most necessary and fundamental types of insurance within the insurance industry. It comes in a range of varieties to accommodate for the many different type and sizes of vessels available. So, when getting marine insurance, it is important to recognize the correct coverage plan for your needs.

Whether you have a 25-foot pontoon boat or a 300 horsepower wave runner, having insurance on these vessels is absolutely necessary. This is to insure you, your passengers, and your vessel with the right amount of coverage and protection in the event that something goes wrong. You should also make sure that you obtain a coverage policy that fits your vessel’s needs. Your policy will protect your vessel from damage upon exposure to a wide range of risks, such as accident of the vehicle carrying the cargo, failure in the dock or port area and damage incurred at sea. If you are planning to visit unfamiliar or international waters with your vessel, all accidents and damages will be subject to those certain laws and regulations of that area’s jurisdiction. If you don’t have a policy that covers your investment, you could be stuck with a stiff bill in the event something tragic occurs. It’s smart to understand the reasons behind these plans and the value they bring to your vessel.