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The Best Dental Insurance Companies for 2016

The best dental insurance companies

Finding a good dental insurance company is the best way to maintain a healthy smile while also saving the most money to do the things you truly love. You may think that going to the dentist is a hassle and I did as well for the longest time, but then I realized I was only doing myself a disservice. A healthy mouth isn’t just about clean teeth and good breath. Your teeth and gums can lead to better overall health and save you a lot of money down the line. Here are six benefits of keeping good oral hygiene. Like many Americans who aren’t covered by their employer, you might be finding the process more challenging than you first anticipated and that is why we are listing these four companies below that are proving to make their customers smile in 2016. Don’t skimp on dental coverage if you don’t have to, but make sure to look through all the costs associated with every plan. Depending on how many times you go for a regular checkup, it might be financially wise to go with a lower priced plan that covers just the major procedures and you pay for dental checkups out ...

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Why I Won’t Give My Child’s Social Security Number to an Insurance Company

guarding social security numbers

I’m beginning to feel like Obamacare is the gift that keeps on giving. Not only have my health insurance premiums more than doubled since its passage, but now I’m required to give my child’s social security number to our insurance company. Starting this tax year, the Affordable Care Act requires that insurance companies provide a social security number for all plan members to the IRS, even children. I don’t know about you, but I certainly don’t trust Anthem to keep our information secure. What happens if I refuse? IRS Requirements The Internal Revenue Service requires Form 1095-B to be submitted by insurance companies to let the government know who has minimum essential health coverage to avoid an Obamacare penalty. If your plan was purchased on the exchange, a social security number was required, so this rule does not apply. For the rest of us, we have to provide secure information to a not so secure entity. In fact, Anthem had a major security breach earlier this year where health information from 80 million people was stolen. Who knows where or when that information might show up. Insurance fraud is a huge and growing business. I’m just waiting to get a ...

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3 Insurances Everyone Should Have

insurances most people should purchase

  Insurance is one of those funny things that most people hate buying, try to never use, but are gloriously thankful for if the right situation comes along. There are some insurances that I believe we can do without, but I think there are 3 insurances most everyone should have; health, life, and disability. There are Still Tons of People without Health Insurance Despite over 11 million new signups for health insurance through Obamacare, there are still plenty of people who don’t have health insurance. The penalty for not having insurance is not enough of a deterrent for many people, and the list of reasons you can forgo the penalty due to a hardship exemption is broad enough to cover just about anyone who doesn’t want to purchase. For those of us who don’t qualify for a subsidy or for those who don’t want one, seeing premiums double or triple every year makes it tempting to go without, especially for the young and healthy. I had a patient just this week who was upset that her insurance didn’t cover eye care, despite a $700 a month premium. She said she was thinking about droping insurance and saving that money to ...

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Dental Insurance is a Rip Off

paying for dental care

  One of the worst things about self employment is insurance or lack thereof. After taking my daughter for her back to school dental visit and coming home with $125 less in my pocket, I decided to look into dental insurance. Maybe with all the recent changes in health care, there was a new affordable plan that might save money? Unfortunately, I came to the same verdict as I did after checking a few years ago, dental insurance is a rip off. If you are self employed or if your work doesn’t offer dental coverage, you can pick up an individual plan. I did not check every plan known to man and the cost varies by area, but I bet they are pretty similar wherever you live. Cost of Dental Insurance Looking at ehealthinsurance.com, Humana offers the cheapest plan at $37.98 per month or $455.76 a year for one adult and one child, non tobacco users. So what does this plan give us as far as benefits? Well, we get up to two free cleanings and one set of bitewing x-rays per year. Sweet! We already do that anyway. That sounds great to get it free, until you look at ...

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One Way Obamacare Hurts Self Employment

We’ve talked a few times about the pros and cons of Obamacare. This post isn’t to get people fired up or start political arguments, but I did run across a true life situation recently that certainly makes it look like Obamacare hurts self employment, at least on the small scale. One of my closest friends is a high school math teacher.  We’ll call her A. She is really good at being a teacher. However, like so many of us after years at a job, she is burned out. With all the regulations and state standards, she feels most of her time is spent trying to prepare for state testing instead of teaching young people skills that might actually benefit them in the long run. It’s especially painful for me because when I look at her, I see myself about three years ago when I was a shell of a person going through the motions to keep all the plates spinning. My Frugal Friend Now A and her husband, who is also a high school teacher,  are two of the most frugal people I know. They were probably the first landlords I met after we moved to Colorado. Back then all ...

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