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SOLUTIONS Offers a Wide Variety of Dental Plans February 22, 2010

Posted by solutionsinsuranceservices in Health Insurance.
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SOLUTIONS offers two different types of dental coverages, dental insurance and dental discount plans. The type that is right for you will depend upon your specific needs.

Discount dental plans have distinct differences from traditional dental insurance plans. The most obvious difference is how they save money for plan holders. With conventional dental insurance, the insurance carrier will pay for the covered portion of the treatment. Normally with dental insurance, the patient is required to pay for a portion of the expenses. Discount dental plans on the other hand, offer discounts to the plan holder on many dental treatments but do not actually pay for any of the expense.

Most dental insurance places an emphasis on regular preventive care by covering small routine costs. A thorough examination by the dentist and a set of x-rays are all it usually takes to diagnose a problem.

By placing an emphasis on prevention, and by covering regular dental cleanings and check-ups, Americans save billions on dental care costs each year.

Make sure your dental costs are covered. Compare the cost of both Dental Discount Plans and Dental Insurance now.

Vist our WEB site at http://www.solutionsinsuranceservices.com or email us at info@solutionsinsuranceservices.com today!

Clearing Up A COBRA Misconception February 8, 2010

Posted by solutionsinsuranceservices in COBRA, Health Insurance, Human Resources, Individual Insurance.
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We have had several people ask us to do an individual health insurance quote to compare to their COBRA rates. When these people were asked why they were going on COBRA (sometimes it is our recommendation to access the government assistance and elect COBRA), we were told that their employer was going out of business and their insurance plan was ending. We would like to take a moment to clarify COBRA. In order to receive COBRA, there has to be an employer’s plan to base the rates. If the employer either goes out of business and has no group insurance any more, or simply decides that insurance is too expensive and ends the group policy, there is NO offer of COBRA to the former or current employees. If the group plan ends, so does the offer of COBRA. Again, without a group to base the rates, there can’t be an offer of COBRA. In our clients situation, we had to move her and most of her fellow employees to individual plans.