Back when employers actually cared about their employees there were many benefits paid by the employer for the employee and his or her family members in full; or at least for the employee. The cost for the “family portion” was within reason. Sometimes these benefits even followed the faithful employees into their retirement years. Profit sharing plans were totally funded by employers as well. Does this sound like the start of a fairytale? Well, this actually used to happen. Back in the 1980’s when our economy was not in bad shape this was the rule rather then the exception. Times have changed.
While most employers will still pay at least part of the cost of medical insurance for employees, dental insurance is almost unheard of. The employee now pays, in most cases, half of the cost of the medical insurance, if the person is lucky enough to be employed at all. Dental insurance is almost unheard of and in most cases employees have to foot the entire cost. There are many people in today’s world that do not go to the dentist because they can not afford it and have no insurance.
No matter what the scenario it behooves people to get dental insurance. Keeping your teeth healthy is important and poor dental care can cause other problems as well. There are websites where dental insurance for individuals can be purchased. As with anything else before you start paying a monthly premium you should always check out options available in your state. Like medical insurance the different states have difference rules and guidelines for dental insurance.
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