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A family member’s death may negatively financially affect their relatives, but he or she can get life insurance, from which “[the] named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured” (“Life Insurance”). Life insurance can...

When dentists “cannot work due to injury or illness,” their clinics continue their operations, but dentists must worry about their overhead (Samaras 2008). Insurance for overhead could pay for its costs until the dentists return (Samaras 2008). Coverage for overhead, which is a significant part...

Patients may sue dentists for malpractice, a situation that “can tarnish a dentist’s reputation. It is also a financial burden, with lost settlement money, attorney fees, and productivity” (Guthman 2013). Dental malpractice may involve “improperly done tooth extraction,” “cases of severed nerves where the injury...

Owners have to take their pets to the veterinarian when something is wrong with their health. However, veterinarian procedures could have high costs (Davies). Pet insurance can assist owners in managing their expenses “in the event of an insured animal falling ill or being injured...

Dental insurance companies generally do not cover cosmetic procedures, which “[improves] the appearance of the teeth and mouth,” because they “prefer focusing on oral health and preventive services rather than elective procedures” (Susan 2011; “Cosmetic Dental Insurance”). For example, patients undergo teeth whitening/bleaching in order...

Sometimes, insurance companies would ask for refunds from dentists (“Top 10 Claim Concerns: ADA, NADP Share Views on Dentists’ Concerns” 2008). Unfortunately, for insurance companies, “events and state laws often conspire to further delay when the carrier can legally request the refund – a circumstance...

A survey by Anthem “show that a lack of transparency about the cost may be what’s holding Americans back from getting preventive dental treatments, with seven in 10 people feeling that the bill at the end of the dentist appointment is more painful than the...

Dental insurance covers many procedures for patients. It benefits dentists since they could attract patients in their insurance networks. Though, patients and dentists must be aware of premiums, deductibles, copayments, and coinsurance.Patients must pay premiums and deductibles to utilize their benefits. Premium “is the...

The Usual Customary and Reasonable (UCR) charge determines “the amount both [the patient] and [his or her] plan will contribute” within an out-of-network clinic (Ellis 2017). Dental insurance companies can determine the UCR within an area by “[recording] the fee numbers submitted by the practitioners...

Some patients cannot afford certain dental treatments and services. Others do not visit the dentist at all. Even with dental insurance, patients still have to pay out-of-pocket for some treatments. Dental offices could offer discounts for these patients, but they should still raise their fees...