Going without health insurance puts you and your family at risk, both financially and physically. If you have to pay the entire cost of health care services, you might be less likely to see the doctor for routine checkups or for health problems. Those without access to a group insurance policy through an employer have the option of buying a family health insurance policy on their own. The key to finding the best policy at an affordable price is shopping around for several quotes.
When your baby gets her first tooth, it’s a milestone worthy of a celebration. But when she gets older and your dentist recommends braces, perhaps because of an overbite, crooked or crowded teeth, you might need to brace yourself literally for some sticker shock. Braces are expensive, and even if you have dental insurance, it may not cover much of the cost.
A family dentist centralizes everyone’s dental care at one office. One dentist for the entire family often gives you a chance to build a more personal relationship. Picking a random dentist from the yellow pages is an option, but you’re taking a gamble. A more analytical approach to selecting a dentist increases the chances of finding a provider who works well for your family. The dentist’s personality, philosophy and location are just a few considerations.
While you may have come to the conclusion that your marriage is over and you are eager to announce your decision, we recommend that you take the following steps before “crossing the rubicon” and telling your spouse that you want a divorce. Knowledge is power and it is important for you to be fully informed…