Dental Insurance.

Dental Insurance is one of the most important types of insurance to have. Having intense pain in the mouth is one of the greatest pains. This is where proper oral care comes into play. With proper care, many problems such as tooth decay, and loss can be avoided for some people. With a dental policy individuals covered also become eligible to purchase an additional vision rider that goes under the dental policy.

To employers who offer our products to their employees the real value is that there is not a minimum lives covered requirement that most other carriers do have. The benefit of this is that if only one employee would like to purchase the policies they can. If that same employee were to decide to leave the firm later and wanted to take the policy with them they would be able to. The way they are able to do that is that our policies are portable which means they can go with the individual. The only requirement is that the premium must continue to be paid, and will be billed to the individual instead of the firm.

The addition of the vision rider under the dental policy makes having vision insurance an affordable option for most people. The way that the affordability is garnered is that instead of having to purchase a complete vision policy the insured is able to purchase only vision insurance and only the amount that they feel they would otherwise need. Also as with the dental policy the vision policy is portable and can go with an employee should they decide to leave the firm which offers the policies. Most of the vision riders are affordable in the sense they are between $4-$12 per month. Once the rate is quoted the individual the rate will never increase.

The portability of the policies really makes these a great option for people over other carriers who do not offer the option to take the policies with them. The only requirement to maintain the policy is the pay the premium from the individual who is being covered instead of the firm with which they were previously employed. Colonial Life which offers these dental policies, and vision riders understand that sometimes people do decide to leave positions, but they do like the benefits offered. The portability aspect is what allows for the policies to go with the insured, and their dependents covered (if there are dependents covered, at the time of enrollment).