Dental insurance introduction


РПаЎ±б>юя %'юяяя$яяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяямҐБ@ рїкbjbjЧ¦Ч¦ "µМµМкяяяяяя€8888888LґґґґАLљоШШШШШШШШ$€RЪ p?8»ШШ»»?88ШШTэээ»8Ш8Шэ»ээ88эШМ°Е`µуЖґС"эj0љэJ уJ эLL8888J 8эШ"ъэ&•ШШШ??LLPdу LLPDental Insurance IntroductionShaving nicks and toothaches hurt more than they should. While a nick will vanish in a couple of days, toothache will take your pocket for a spin before it goes away. Believe me, dental care is prohibitively expensive, but still a part of necessary health care and very important. Here comes dental insurance. Not much in the past it was considered a big company perk, dental insurance has today established itself as a must-have benefit. Even most small companies offer dental insurance today to recruit and retain workers. Dental coverage costs less than 10% of total medical coverage so its affordable and preventive procedures, like cleanings, ensure the overall health of employees, which means a decrease in sick time and increase in productivity. Various dental insurance plans with numerous variations are available today. You should take proper care and time to consider all options. Most expensive plans:Direct reimbursement plansThese plans are the most expensive of the lot. They operate by paying for employee dental coverage from a pool of money set aside by the company for this purpose. The simplicity of this plan makes it the most effective, the reimbursement is made by a simple formula doing away with the complexity of co-payments, deductibles etc. Even though ADA strongly recommends this plan, this kind of direct dental care may not be affordable by smaller companies. Least expensive plans: Managed care plansSimilar to a medical HMO, managed care dental plans need to pay for the treatment through regular co-payments and choose forma pool of dentists to get treated. These plans do various cost-control measures and can more affordable for small businesses. The co-payment amount varies according to procedure. Preventive procedures are usually performed without co-payment, however advanced procedures will bear higher co-payments. The choice lies with the company and their financial managers, however great care is recommended in choosing the plan.7 9 D V r ¦ ¬ Ч Ѓ Ё Ї у ,Ў·ёС&6;KXdiv?™љІіЕЫщdelu}µ¶ШЯчш7?X]qийкъулълълълълълълълълълъдълълълълълълълъдълълълълълълълълълълълълълаhї{bh›!Chї{bh¬')hї{b5ЃhO'Mhї{b hї{b5ЃB8 9 Ў·ТУvw™љІЕЖБВqrйкъсъъъъъъъъъъъъъъъъъъъъъп„Р`„Рgdї{bgdї{bкэ 1ђh°Р/ °а=!°"°#ђ $ђ %°њF`сяFї{bNormal5ЃOJQJЃ_HmH sH tH DA@тяЎDDefault Paragraph FontRi@уяіRTable Normalц4Ц l4Цaц(k@фяБ(No Listкяяяя89 Ў·ТУvw™љІЕЖБВqrйм?0ЂЂ?0ЂЂ?0ЂЂ?0ЂЂ?0ЂЂ?0ЂЂ?0ЂЂ?0ЂЂ?0ЂЂ?0ЂЂ?0ЂЂ?0ЂЂ?0ЂЂ?0ЂЂ?0ЂЂ0?0ЂЂ0?0ЂЂ?0ЂЂ?0ЂЂ?0ЂЂ Ђ?0ЂЂ0?0ЂЂ?0ЂЂ0?0ЂЂймљ@0ЂЂXљ@ЂЂ… …@?§кк к яя.'Ф%/'Z!**м--м9*Ђurn:schemas-microsoft-com:office:smarttagsЂplaceЂ8*Ђurn:schemas-microsoft-com:office:smarttagsЂCityЂ ЗмЖ9.6м3меї{bя@ЂййhtOййк`@яяUnknownяяяяяяяяяяяяGђ‡z ЂяTimes New Roman5ђЂSymbol3&ђ‡z ЂяArial7&ђ‡ џVerdana"1€рРhсыњЖсыњЖ.ј.ј!р ґґЃЃ4жж3ѓрH)ря?дяяяяяяяяяяяяяяяяяяяяяї{bяяDental Insurance IntroductionAKPAKPюяа…џтщOh«‘+'іЩ0xђ?АМШдр 4@LX`hpдDental Insurance IntroductionentAKPKPKPNormalIAKP1PMicrosoft Word 10.0@@В©ќуЖ@В©ќуЖ.јюяХНХњ.“—+,щ®0hpЂ€ђ? Ё°ёАкд24365IжO Dental Insurance IntroductionTitle юяяяюяяяюяяя !"#юяяяэяяя&юяяяюяяяюяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяRoot Entryяяяяяяяя АFрpµуЖ(Ђ1TableяяяяяяяяWordDocumentяяяяяяяя"SummaryInformation(яяяяDocumentSummaryInformation8яяяяяяяяяяяяCompObjяяяяяяяяяяяяjяяяяяяяяяяяяяяяяяяяяяяяяюяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяяюя яяяя АFMicrosoft Word Document MSWordDocWord. Document.8ф9Іq