Save Your Smile and Your Wallet--A Guide to Dental InsuranceWritten by Larry Denton
Continued from page 1
Indemnity insurance is traditional type of insurance. You pay monthly or yearly premiums and you can use dentist of your choice. There is usually an annual benefits cap--for example, $2,500, and insurance pays a different percentage for different procedures, from 20 to 80 percent. The most significant advantage of this insurance is your personal choice of dentists--a very important feature for many people. DHMOs are similar to medical HMOs and operate in much same way. Dentists are paid a flat rate to provide dental care for a certain number of patients. Patients pay an annual premium and are usually required to make co-payments for office visits and procedures. Patients do NOT get to choose their own dentist, but they are less expensive than indemnity plans. PPOs are insurance plans where groups of dentists have agreed to provide discounted services to insured members. Members pay annual premiums and may get preventive care free and pay a certain percentage on other types of procedures. Patients can choose their own dentist, but will have to pay more money to do so. Dental discount plans have grown remarkably in past few years. Not really insurance, dental discount plans have a network of dentists who have agreed to provide deeply discounted services to group members. Members can routinely save 50 percent on most dental services. The drawback to these plans are that they are somewhat limited in number and may be difficult to find in your area. Whichever plan you choose, there are many reasons to maintain good dental health. Beyond having a healthy smile to improve your appearance, proper oral hygiene can reduce more serious health problems, including heart disease. You don't want to sacrifice your health for a few pennies a month--it is simply not worth it. There are many plans available for as little as $100 a year, and THAT is a wise investment.
Larry Denton is a retired history teacher having taught 33 years at Hobson High in Hobson, Montana. He is currently V.P. of Elfin Enterprises, Inc., an Internet business providing valuable information on a variety of timely topics. For a dentist office full of advice and resources about dental insurance, visit http://www.DentalInsuranceDesk.com
| | Improving Posture with Orthotic Shoe InsertsWritten by Johann Erickson
Continued from page 1
As seen on TV, Orthotics shoe inserts are designed to relieve pressure on back by creating balance and alignment, as well as providing support. Available in all sizes, and easily affordable, inserts are a good first step in relieving back pain.
Another important factor in relieving back pain is moderate exercise and stretching activities. A regular routine will build and strengthen back muscles and result in better posture. As your physical condition improves, so will your posture. As your posture improves, back pain will decrease. Regular exercise can also help keep you more aware of your posture, reminding you to keep your shoulders back and your stomach in. The use of shoe inserts that keep your feet properly aligned also serve as a reminder to maintain proper posture.
High impact activities such as running or aerobics can also be a source of back pain due to improper balance and support. Taking care to stretch thoroughly and making certain that ankles and arches are properly supported is vital to preventing back injuries.
When searching for back pain relief, or preventative measures, posture, exercise and support are vital. Starting at root of problem, which can often be improper foot support, can provide major relief without use of drugs and medical treatments.
Johann Erickson is the owner of Online Discount Mart and TV Products 4 Less. He is also a contributing writer for sites such as Helpful Home Ideas. Please include an active link to our site if you'd like to reprint this article.
|
