Why You Need Dental Insurance

 If you don't have dental insurance yet you better get on it. Dental insurance is necessary for survival and it makes sense economically. If you have kids it can save you hundreds and sometimes-even thousands of dollars. 

Most dental insurance plans are part of a larger medical health plan but not always. Dental health is crucial for your kids. Having a healthy mouth is absolutely crucial to your longevity and resistance to disorders such as sinus infections, stomach cancer and heart disease.  You need to examine your current health plan (if you even have one) and see what kind of dental insurance it covers. s. Unfortunately many people find out too late that they forgot to opt for the proper kind of dental insurance in their health plan and end up paying a mint for basic dental care from their dentist. A

s all Dental insurance plans are not created equal you need to check them out before you buy or take the time to check out the plan that you already to own to see if it covers the following often needed dental care services – -         

Routine check-ups and dental consultations-         

Teeth cleaning-         

Bridgework, crowns, fillings, dentures-         

Braces, straightening crooked teeth-         

Root canals, removal of wisdom teeth, or other dental surgery-          Treatment of tooth, gum, and mouth infections-         

Treatment of oral cancer-          E

mergency dental coverage in case of partial or total loss of teeth in the event of an accident-         

Dental anesthesia 

Most dental insurance companies divide these services into three major groups – preventative, basic, and major services. Make sure the policy you choose covers all three types if you want to make sure you and your children are secure in terms of insurance. 

Sometimes you may have to switch dentists to get the coverage that you need. Some dental insurance have special deals with selected dentists who become preferred providers for an insurance companies.

Some dental insurance providers will require that you use only dentists on their list. This is obnoxious but it is a fact of life if you need to save money. If you have to use a dental insurance company's preferred dentist means that it is a good idea to ask for a list of available dentists in your area you sign on the dotted line with any kind of dental plan. 

Dental insurance is not something you should consider dealing with as needed. For many dental insurance policies there is a waiting period of as long as month and up to three months before you coverage becomes active.

You should also not count on a dental plan that you have just enrolled in to cover any advanced work usually takes most dental insurance providers a couple of years before things like root canals and gum surgery are covered and four years or more of enrollment before you are eligible for coverage for such things as braces for your kids!

Check out Discount Dental Plans

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Slipcovers are Indispensable

If you have kids, having slipcovers for your furniture is practically mandatory.  There is no easier way to protect your fine furniture until they have all grown up and gone away to University.  

The four biggest trends in slipcovers have to do with color. Solid darker colors are huge.   Perhaps most surprising new color schemes are purple and you can find slipcovers in every fabric from light lavender to a rich royal hue.

A not so surprising trend is desaturated colors that are reminiscent of the 70s and 80s.  You are also more likely to find slipcovers in a bright neon color such as Happy Face Yellow or Bubblegum.   Leopard prints are also still around to suit the sexy minded. Some of the patterns that are out are also kind of wild.  Zebra stripes, big floating bubbles and strange geometric patterns from the seventies are very hip and in.  So are stripes and patterns that look like sixties psychedelic.  You can also just get slipcovers that cheer your children up in general that have pictures of cartoon characters on them or child like themes such as lollipops or goldfish. 

If you like a more formal and adult look and just want to protect your furnitre the one trend in slipcovers that is a hangover from last year is towards the naturals such as taupe, cream and brown.  A good example of a store that is sticking to this trend is the Pottery Barn, which sells classic styles of all types of slipcovers in twill. Target also sells twill and cotton slipcovers in these basic colors. This year slipcovers have also gone from looking less like a cotton drop sheet to fabrics such as tapestry and chenille. 

Chenille looks great in more old-fashioned decors.  They are also good for kids who are little as the softness of the chenille is very easy on their soft skin.  A chenille bedspread makes a great nubbly soft surface for afternoon naps. 

Another trend is for slipcovers to be less fitted than they were in previous years so that they can different styles of sofas. If you think that your contemporary sofa can't be fitted with a slipcover then think again.  Search hard because slipcovers with tie ons that are practically one-size fits all are now on the market. If that fails then you can always have them custom made or sew them yourself. 

If you want your slipcovers to perform a dual function some big designers such as Martha Stewart and Ikea are selling reversible versions so that you can change the look of your furniture from season to season.  Usually these are sold in a two solid color version or with a solid color on one side and a print on the other. This is a great development because you never get bored with your furniture.  These reversible slipcovers for furniture are also quite great because if your kid spills something on them all you have to do is flip it over and voila your furniture is clean again! 

Here is a good store to buy slip covers

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