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With the rising costs for employers to give their employees dental insurance as part of their benefits packages, many employers are cutting it out of the package. This is leaving many people feeling without options when it comes to getting their dental needs met at an affordable price. I was able to find a dentist in my area that had a great dental plan that could replace dental insurance and carry many benefits with it.

Dental plans are not like dental insurance in that they provide almost all the procedures a dentist can do at one low-cost discount price. Finding a dentist in my area that would perform most dental procedures, both routine, and non-routine procedures like cosmetic dental work, on my current dental plan was almost impossible. Now, with the option of a dental plan, I can have these resources available to me at an affordable price.

There are several different kinds of plans available to purchase. Each one is different depending on how much you want to spend. Most of them are very good however. I have a dentist in my area that can help me select at the best one for the price. You should also ask your dentist about the different kinds of plans and which one will work best with his services.

A popular resource you can use is a website called dentalplans. This site can help you select from 30 different national and regional plans with up to a 60% discount on dental work. I always like to call a dentist in my area and talk to him. For me it feels more credible talking to an actual dentist rather than a website. But, there is a lot of good information on the web.

Here is a list of some of the benefits that dental plans have compared to dental insurance coverage:

1. No deductibles. You get a discount on all the procedures you have done.

2. Monthly premiums are usually much less than dental insurance premiums.

3. If you end up moving, you can usually switch to another dentist easily.

4. There is no limit on how many visits you can make in a certain period of time.

5. You don't have to wait to use it once you've signed up. It's immediate.

6. There are no exclusions for pre-existing conditions.

These benefits easily out weigh those offered by dental insurance plans. Dental plans are becoming the solution to the ever increasing problem with dental insurance costs. Once I learned about the benefits of dental plans, I went right out to locate a dentist in my area that would help me select the right plan.

I have done a lot of research on dentists and finding a dentist in my area. Through my research I have been able to learn about different procedures that, a dentist in my area can perform. Visit http://adentistinmyarea.com for more information today!

There are currently 9 million uninsured children in the US. Census data shows that 70% of those children live in a home where at least one parent works full-time. The same data indicates that about two thirds of these children would qualify for government-sponsored health insurance if the parents were to apply for it. Uninsured people are far more likely to go without essential medical care, including vaccinations and treatments for potentially fatal illnesses. This is especially sad when children are involved, because they are so dependant on their parents and the social organizations that are set up to help them. A complicated enrollment process and lack of knowledge about the programs are the main reasons given for why so many of these eligible children are not enrolled in government sponsored health insurance programs.

Perhaps the government likes keeping things the way they are in order to avoid paying for health care for all eligible children? If not, there is no reason that the enrollment process for government-sponsored health insurance should be complicated. Everything could be done on a single sheet of paper with a copy of a tax return attached to prove financial eligibility. These forms could be available in any doctor's office or hospital. They could be simple enough that anyone could understand them and have time to complete them.

The issue of parents not knowing about the availability of the programs could also be solved if the government really wanted to appropriate adequate resources to provide health insurance to them. The money is there, it's just not always used in the most efficient ways. The availability of public health care for eligible children is something that should be actively advertised. Public schools could send notes home with children. Hospitals could explain the program and help parents enroll newborns before they leave the hospital. The IRS could send information to families with qualifying incomes. If the enrollment process became straightforward and simple, and parents were made aware of the availability of the programs, our country could have 3 million children without health insurance instead of 9 million. That's a big difference.

By Louise Norris - Vice President, Insurance Shoppers, Inc. Insurance Shoppers is the leading independent health insurance brokerage in Colorado. Offering a large selection of the top health insurance companies in Colorado and a variety of products, like HSAs. Please link to the Insurance Shoppers website when using this article.