Dental Insurance & Why It’s Important For Your Family

It may often go overlooked, but dental insurance is something that every individual needs to think about. In the event of a sudden toothache, the need for a regular checkup or cleaning and even possibly oral surgery, dental insurance is a must. Coverage is available from a variety of sources, including some employers and national insurance providers.

Dental insurance is more affordable than medical insurance and can often result in low monthly payments for those who have to seek out the coverage themselves. The amount of insurance that is selected will determine what type of deductible, if any, the patient is responsible for.

It may be surprising, but many people develop problems with their wisdom teeth. In the event that they do not develop as they should, they may become impacted underneath the gums and need to be surgically extracted. This procedure is very expensive and requires a certain amount of followup care, which can really add up without dental insurance. There are a number of other reasons that someone would unknowingly need dental care, including an accident that requires

Unlike life or health insurance, the cost of dental insurance isn’t particularly affected by age. While it’s true that a patient’s past oral health may be in question, it is much easier to get than other types. Prior to being accepted by a dental insurance provider, the patient may be required to undergo an oral checkup and x-rays in order to determine any previous or current conditions that may require treatment. In most instances, a new dental insurance policy will not cover previously known conditions. In other words, you could not find out that you have an impacted wisdom tooth and then sign up on a new dental plan to get the coverage for a procedure. The patient is required to disclose any previously known condition(s).

Dental insurance can be purchased as an individual plan or for the entire family. In order to make sure that a particular dentist accepts a specific dental insurance, the patient should inquire about the office policy prior making an appointment or arriving for treatment. The worst time to learn that a dentist doesn’t accept your dental insurance is after receiving treatment and immediately prior to getting the bill. In order to avoid the headache, make sure that the dentist will accept your provider’s coverage ahead of time. In some instances, insurance plans are only accepted at specific locations.

Family Dental Plan Insurance – High Risk Dental Insurance

High risk dental insurance is a type of dental insurance that are afforded dental insurance clients who are considered financially unsound due to problems that had been experienced from them in the past with different insurance companies. The title of this kind of insurance would denote the kind of dental insurance clients it would cater to – high risk clients. To compensate for the risk that these dental insurance companies are taking by accepting clients that are considered high risk, these companies will be charging a much higher dental insurance cost.

As in all other types of business, dental insurance companies has their own background identification checking and information sharing of client relationship to identify insured clients who had been remiss in their payment obligations and other negative information that would classify them as high risk. Dental Insurance applicants who would be included in these lists will automatically be rejected by dental insurance companies because of their unsound financial relationship with other insurance companies. The growing number of dental insurance applicants considered as high risk has lead to the creation of a dental insurance company that caters to high risk dental insurance applicants.

Sometimes when it comes to problematic dental insured clients, the usual problems that would create issues in their payments would be the limitations that some of the insurance companies has in the coverage that they provide their clients. These limitations, which if not fully explained to the clients, will cause irritations and disagreement between the dental insurance company and the insured clients causing the clients to renege on their payments either to the insurance company or to the dental provider that may have provided the service. Still, there are clients that are just too hard up to pay up due to some financial problems that would result to their names being considered as high risk.

Being considered a high risk dental insurance applicant will of course subject your insurance application to outright rejection by most dental insurance companies. In these regard, you can end up applying for insurance from dental insurance companies accepting high risk dental insurance applicants. In recognition of the plight of low salaried workers and employees when it comes to their dental insurances and benefits, every state in the country has its own state law in terms of assisting hard up dental insurance applicants out rightly rejected by dental insurance companies as being high risk. You can consider applying for those high risk dental insurance policies sponsored by individual state to help their citizen avail of a dental insurance coverage that are government sponsored.

It would be considered as a relief if you can get a dental health insurance even on a high risk insurance policy especially if it is government sponsored. It is much better than to have no dental insurance at all. If your dental insurance application was rejected because you are considered as a high risk applicant, you can try searching the internet for dental insurance companies that are accepting high risk dental insurance applicants. You can also access the website of your City and look for high risk dental insurance sponsorship. Before applying for a sponsorship, be sure that you have read the pertinent guidelines and checklist if you qualify for such a state sponsored high risk dental insurance policy holder plan.

Dental Insurance In Washington D.c.

Although dental insurance is considered as being under health insurance jurisdiction, these two insurance types are in fact separate from one another. Most of the companies that provide their employees with health insurance do not include dental insurance and the increasing cost of dental care has made dental insurance in Washington D.C. a necessity. Dental health is as important as physical health, but unfortunately there are still some unresolved issues regarding dental insurance in Washington D.C.

Dental health is very important, but sometimes the costs of a full dental care are too high and most people tend to ignore their dental problems. Moreover, dental insurance in Washington D.C and many other states is also expensive, but costs can be considerably reduced by choosing the right dental plan. There are many Washington D.C. low rates insurance companies that have great dental insurance plans at affordable prices.

One of the tricks you have to know in order to get those Washington D.C. low rates insurance dental plans is that not all the coverage of dental insurance in Washington D.C. are necessary. For example, an expensive dental insurance plan in Washington D.C. allows you to choose the dentist. By choosing a dental insurance that will not allow you to opt for the dentist of your choice, you will save you a lot of money. Moreover, due to the fact that dental insurance in Washington D.C. has become more and more necessary, there are many Washington D.C. low rates insurance companies that have affordable dental plans that cover the most important aspects of dental care.

Another way to reduce the cost of your dental insurance in Washington D.C. is to choose a dental plan for your entire family and not just for yourself. Washington D.C. low rates insurance companies offer discounts for groups or families. You will have the dental coverage plan that you want and pay less. As the number of insured people increases, the premium per person is reduced and therefore the cost of your dental insurance in Washington D.C. becomes lower.

The cost of dental insurance in Washington D.C. is different for different dental insurance companies. However, there are many Washington D.C. low rates insurance companies people can choose from. Dental care is very expensive and unfortunately most health insurance policies do not offer dental insurance. The high cost of dental insurance in Washington D.C. has determined people to look for the best offers possible. One of the best places to look for affordable dental insurance in Washington D.C. is the Internet. People can compare prices, the coverage of their dental insurance and make the best choice.

The best way of finding the best dental insurance in Washington D.C. is to compare the offers of dental insurance companies. There are many companies in Washington D.C. that have low rates insurance dental plans and the best way to get the right dental insurance is to compare prices and lose some of the unnecessary coverage of the insurance.

Dental Insurance Plans Secrets Revealed

Dental insurance plans are insurance designed to pay the costs associated with dental care. Dental care by dentists, orthodontists and hospitals will have a portion of their charges paid by dental insurance. By doing so, dental insurance protects people from financial hardship caused by unexpected dental expenses.

More than 50% of the people in the United States aren’t covered by any of dental insurance plans according to the American Dental Association (ADA). Almost all of those people that receive dental insurance sign-up for it through their employer as a secondary part of their health insurance. You should consider having a compatible program to fill in the gaps between the two plans depending upon what type of health insurance you have. By doing this, you will receive preventative dental care as well as the advantage of saving money.

That said, dental insurance plans are not highly desirable by a lot of dentists. Basically, this means less pay plus more work (especially more paperwork.) It is important to not over-insure nor under-insure so it is important to assess your situation when purchasing adequate coverage. Furthermore, you should keep in mind that all insurance plans have restrictions such as annual maximum payments and pre-existing conditions.

Common sorts of dental insurance plans are mainly Dental Health Maintenance Organizations (DHMO) or Preferred Provider Organizations (PPO). PPOs and DHMOs are both types of managed care and, therefore, both dental insurance plans have disadvantages and advantages.

All fees are generally not covered because even though dentists provide their services for these plans and have agreed upon amount that they will charge the insurance companies, there are still a few fees left unpaid. There are deductibles to consider and most of these types of dental insurance plans only pay a percentage of the charges, leaving the patient with a co-pay. Additionally, there may be an annual maximum amount that the dental insurance plans will pay.

If your employer is paying the monthly premiums for the dental insurance plan and the dentist you use is part of the PPO, this might be an attractive option.

Based on medical HMOs, DHMOs offer other dental insurance plans. Here, too, the patient is enrolled in a program and can visit any dentist in that program. However, by comparison to a PPO, dentists may not be held to spend as much time with each patient and may end up providing services below cost. In a DHMO, volume matters more than quality, and so dentists are often driven to spend less time with their patients. Due to lack of time, even though a patient will eventually be seen and treated, there is no true relationship between the dentist and the patient. If you want to be seen by a dentist who takes time with his or her patients, this may not be your optimum dental insurance plan.

Non-Insurance Dental Plans… An Alternative to Dental Insurance Plans

In these types of plans, commonly called Reduced-Fee-For-Service or Discount Plans, participating dental providers provide care at a discounted rate to the plan subscribers. These types of plans began in the early 1990s, and they offer benefits such as braces, fillings, exams, and routine cleanings in exchange for a discounted fee to its members. Members typically receive a discount of 30%-35% off retail prices.

Unlike traditional indemnity-based dental insurance, discount dental plans have no annual limits, no health restrictions and no paperwork. In addition, consumers must pay either a monthly or yearly membership fee in exchange for the ability to get these discounts on dental services. To ensure that customers receive the savings they were promised, most plans will provide a price list or fee schedule for these discounted services.

A typical discount plan, for example, would direct you to a dentist that has agreed to charge a discounted rate, say $700 for a crown instead of $800.

Discount dental plans are designed for individuals, families and groups looking to save money on their dental care needs. Dental providers participating in these plans have agreed to accept a discounted fee as payment-in-full for services performed for a plan members. In general, plans are active within five business days and sometimes even on the same business day.

Be careful; if you do not have dental insurance coverage in addition to a discount dental plan, you can be left with a substantial liability for payment to providers. For example, a 25% discount applied to a $2000 dental bill would still leave a person with a $1500 liability. In addition, because payment due at the time of service (i.e. when your dental work is completed), be prepared to pay your dental bill in full before leaving the dental office.

Before Purchasing a Discount Dental Plan

You should know the answers to all of the questions below before you purchase any type of dental coverage, whether you are choosing a non-insurance discount plan or are one of the many traditional indemnity-based dental insurance plans.

*** Ask for a list of participating providers in your area/zip code

*** Contact any providers that you plan to see to confirm they still participate in the plan

*** If you are interested in having a procedure done, ask the provider with the normal fee is

*** Make sure the provider offers the promised reduction in fees

Finally, be advised that state insurance departments do not regulate dental discount plans. That said, the fact that they are not regulated, doesn’t mean that they aren’t legitimate… just be cautious. If you are uncertain whether you are purchasing insurance or not, simply ask if a licensed insurance company is offering the plan and verify this with the insurance company. In California and Arizona, there are now state licensed dental discount plans.

Article Source: http://EzineArticles.com/1202119

Your Expert Guide to Discount and Full Coverage Dental Insurance

Dental insurance plans are a little more complicated than an auto insurance. This is because insurance companies allow you to add (or subtract) dental procedures so that it fits your current situation. For instance, a young man in his 20s would not really need to be insured for dentures unless he is active in a physically taxing sport that involves body contact. He might prefer to be insured for preventive maintenance, diagnostics, root canal, extractions, and treatment for gums.

If this is allowed by the insurance company, and it usually is, then the payments scheme will probably decrease. Thus, a young man will be able to afford the dental insurance plan with his current financial status.

Dental insurance plans are also categorized according to premiums. Premiums in this case refers to the dental procedure. There are minor premiums and major dental premiums. Most, if not all, minor procedures are covered by the basic package by about 70%. This means you should the remaining 30%. Most major procedures fall under the 50% rating, which means there is a monetary responsibility on your part to shoulder the balance. Some insurance companies shoulder the total costs of minor procedures if the policy can allow for it. This is the kind of dental insurance plan you should aim for.

Regarding payment, you have a choice of paying monthly or annually. Some insurance companies even allow quarterly payments. If you compute the monthly charges, the total amount would be more than the amount you would pay if you chose the annual payment scheme. The advantage of the monthly payment scheme is that it is easier to manage.

All insurance companies will put a limit to the number of procedure you can have in a year, as well as in your lifetime. Ask your insurance agent about this. It is referred to as the Annual Benefit Cap and the Lifetime Benefit Cap.

These are just some of the basics of dental insurance plans. As you delve deeper into the details, you will discover that it gets easier to understand.

With discount dental plans now being offered by finance companies as an alternative to dental insurance, more and more people are beginning to see hope. Hope, that is, in being able to afford to get expensive dental treatments at a discounted rate.

If you want to find the best discount dental plan, finding one online will make the process easier for you. You save on time and effort because most of the important information is already posted on the web. Keep in mind though that the features of discount dental plans will differ depending on the company that is offering it. Thus, you will need to compare and contrast the plans against each other to find the one that you feel will work best for you.

There are many advantages of discount dental plans such as the unlimited charges in discount dental plans, and the savings in discount dental plans. The fee you will pay for one year will be more than covered by the savings in discount dental plans. This is because the discount rates ranges from 10 to a whopping 60% off from the regular rates. You can just imagine how much that is at the end of the year.

There are some conditions you must meet to avail of the discount. First, you need to be updated with your payments. Second, you will need to pay in cash. Third, you will have to use the services of qualified dentists in the list of the finance company. You cannot use your own qualified dentist unless he is on the list.

If you compare the conditions and terms against the advantages of discount dental plans, you will not even spare a second thought, especially if you compare it with dental insurance. Dental insurance terms can be very rigid and uncompromising because it has a limit on the number of times you can get maintenance procedures, as well as be required to submit existing dental conditions. This is because existing dental conditions cannot be covered by dental insurance.

Thus, with the availability of discount dental plans so easy with the internet, finding a good one will not pose a problem at all.
If this is allowed by the insurance company, and it usually is, then the payments scheme will probably decrease. Thus, a young man will be able to afford the dental insurance plan with his current financial status.

Dental insurance plans are also categorized according to premiums. Premiums in this case refers to the dental procedure. There are minor premiums and major dental premiums. Most, if not all, minor procedures are covered by the basic package by about 70%. This means you should the remaining 30%. Most major procedures fall under the 50% rating, which means there is a monetary responsibility on your part to shoulder the balance. Some insurance companies shoulder the total costs of minor procedures if the policy can allow for it. This is the kind of dental insurance plan you should aim for.

Regarding payment, you have a choice of paying monthly or annually. Some insurance companies even allow quarterly payments. If you compute the monthly charges, the total amount would be more than the amount you would pay if you chose the annual payment scheme. The advantage of the monthly payment scheme is that it is easier to manage.

All insurance companies will put a limit to the number of procedure you can have in a year, as well as in your lifetime. Ask your insurance agent about this. It is referred to as the Annual Benefit Cap and the Lifetime Benefit Cap.

These are just some of the basics of dental insurance plans. As you delve deeper into the details, you will discover that it gets easier to understand.

With discount dental plans now being offered by finance companies as an alternative to dental insurance, more and more people are beginning to see hope. Hope, that is, in being able to afford to get expensive dental treatments at a discounted rate.

If you want to find the best discount dental plan, finding one online will make the process easier for you. You save on time and effort because most of the important information is already posted on the web. Keep in mind though that the features of discount dental plans will differ depending on the company that is offering it. Thus, you will need to compare and contrast the plans against each other to find the one that you feel will work best for you.

There are many advantages of discount dental plans such as the unlimited charges in discount dental plans, and the savings in discount dental plans. The fee you will pay for one year will be more than covered by the savings in discount dental plans. This is because the discount rates ranges from 10 to a whopping 60% off from the regular rates. You can just imagine how much that is at the end of the year.

There are some conditions you must meet to avail of the discount. First, you need to be updated with your payments. Second, you will need to pay in cash. Third, you will have to use the services of qualified dentists in the list of the finance company. You cannot use your own qualified dentist unless he is on the list.

If you compare the conditions and terms against the advantages of discount dental plans, you will not even spare a second thought, especially if you compare it with dental insurance. Dental insurance terms can be very rigid and uncompromising because it has a limit on the number of times you can get maintenance procedures, as well as be required to submit existing dental conditions. This is because existing dental conditions cannot be covered by dental insurance.

Thus, with the availability of discount dental plans so easy with the internet, finding a good one will not pose a problem at all.

Article Source: http://EzineArticles.com/3806076

Five steps to an effective omnichannel marketing effort

Retail is clearly being shaken up by mobile-oriented consumers. Online sales are growing year-on-year and volume is expected to hit $523bn by 2020 in the US. This shift has compelled even established brick-and-mortar enterprises to shore up their online presence.
Image credit: Pixabay
Image credit: Pixabay

However, one trap that many traditional businesses fall into when figuring out their online presence is failing to optimise their customer experience for both online and offline channels.

Businesses are often compelled to just put up online channels for the sake of having one, but they offer no difference between the two. The consequence of this is that channels may end up competing against instead of complementing each other. This is where an omnichannel strategy comes into play.

1. Decide if your business is ready

Having an online presence is pretty much a given these days. For brick-and-mortar, having a website and social media presence are essential to letting people know your business exists. With the tools available today, it does not require much in terms of investment to get into these channels.

Many think that online channels should be online stores, since many would want to anticipate the shift to web and mobile as channels for consumers. This is not necessarily the case. The experience you provide is actually dependent on your products and services.

If you have a purely online business, it is a very important matter to know why you are venturing into physical channels. The brick-and-mortar game might bear a significant difference to your current setup.

Either way, expect investments in people and infrastructure to be made when crossing over to different channels.

2. Rethink your customer experience

You should not be limited to an online store as your online channel’s function. You must think of an omnichannel experience as providing a complementary and seamless customer experience across the different modes of access.

For example, let us say your business is a service business. Unless you deliver to customers or provide offsite services, having a fully functional store might not be the best function of your web or mobile channel. In such cases, perhaps your online channel could primarily feature information about your services and a reservation system for them to book you. That said, you could still explore enabling online purchases for special token items or gift cards for purchase, but it might not be the primary function.

Take Starbucks for example. They have an online store where you can buy items like drinkware, which has a rewards app where you can top up your Starbucks card and check rewards. The brick-and-mortar stores are, of course, where you get your coffee. They have effectively compartmentalised the Starbucks experience so that each one serves a unique function towards the whole coffee experience with minimal overlaps.

3. Consolidate your online and physical systems

One of the tricky parts of managing an omnichannel experience is making sure systems for both online and brick-and-mortar channels work in tune with each other.

Inventory management might be a tricky area if you do not have integrated systems. If you are working with the same stocks and your online and offline channels are not synchronised, then you might have problems keeping track of what items get sold, where, and when you might run out.

Another way is to keep users updated with the status of their transactions. If your setup allows online ordering and physical pickup, perhaps you can deploy a mobile app that notifies users as the product progresses through your fulfillment process.

It would be advantageous to use an integrated retail management platform that consolidates your point-of-sale and e-commerce activities. Cloud-based services like Vend offers inventory management that tracks stocks, filled orders, and even returns.

Being cloud-based means these services runs both your online and brick-and-mortar and are synchronised at all times. You can check your system anywhere at any time.

4. Plan and launch your campaign

Having an omnichannel setup means your marketing and sales campaigns need not be compartmentalized anymore. Keep in mind that the best way you can reach your customers now if through your online — especially mobile — channels. Adults spend almost two hours online on social media every day. By 2017,75% of internet use is expected to be mobile. Thus, you need to design the flow for your customers around these channels.

Social media will be the best place to share information, engage with the audience, and generate interest. Your website or mobile app will be the best place to contain more information about your products and services. You can even ask users to subscribe to your newsletter for digital discount coupons, which they can use to buy items in your physical store. With your newsletter or app, you can keep them updated about what’s new with your business through email or push notifications.

Keep in mind that you would also want to inspire customer loyalty, so avoid viewing your flow as a linear process. Rather, visualise it as a cycle in which you can continuously interface with and generate business from your customers.

5. Track your progress with analytics

A clear way to see how your omnichannel strategy is working is by measuring it. Thanks to analytics, it is possible to see how well your campaigns are doing, even if they span across multiple channels.

Social media channels like Facebook have analytics available by default. Embedding trackers to your website can help track your traffic sources and your customer’s behavior while online. Retail management platforms also have analytics features. With these, you can actually see where your customers are coming from and if your flow works.

From these figures, you can then gain insights on which parts of your customer experience needs adjusting.

Improve your UI for seamless experience

As consumer behavior shifts and evolves, so should your campaigns. That is why it is necessary to plan, execute, and track your progress in implementing your omnichannel channel strategy. Keep in mind that customers want an effortless experience across channels, so you will need to continuously strive to provide a seamless experience for them. Later on you can even experiment with brick-and-mortar technologies like beacons and digital displays to provide a truly immersive experience.

Five ways to simplify a busy work schedule

When a company is burdened with all the work it can handle, the stress of running a business at full capacity can leave management running in circles and making amateur mistakes. Everyone knows that the key to expanding without becoming overwhelmed is to adhere to a strict schedule, but what do you do when the schedule itself is so packed that just looking at it begins to overwhelm you?
Here are five things any business can do to tackle a super busy work schedule with ease:

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1. Use booking and scheduling software

First and foremost, if you’re doing all of your scheduling manually with a basic calendar or spreadsheet, that’s probably one of the reasons why your current schedule seems like it’s too much to handle. Using booking and appointment scheduling software will help your employees manage and adhere to the work schedule with less effort and in a more professional manner.

2. Check and monitor progress frequently

Any time you’re having trouble sticking to what otherwise seems to be a feasible schedule, it’s time to start checking and monitoring employee performance and progress. Assess and address any obvious workflow deficiencies to ensure that you won’t run into the same problems in the future. Keeping a closer eye on your company affairs is something that must be done when you’re trying to fulfill a busy schedule without any hiccups.

3. Allocate tasks more efficiently

Sometimes a schedule can seem more packed than it really is because you’re not properly managing your workforce. Look for ways to get tasks done quicker by spreading them between more employees or re-examining employee capabilities to determine who would be the best fit for the tasks you’re assigning. If you’re regularly following the advice in step 2, this step should be even easier because you’ll have a better idea of what each employee is capable of.

4. Bring in extra help if needed

If after completing the steps above you’re still having trouble accommodating appointments and meeting deadlines, it might be time to bring in the reinforcements. Hiring a few extra employees might sound like hassle and additional payroll burden, but it’s worth the time and investment if it means your company will be able to continue expanding without sacrificing punctuality.

5. Follow through On your end

After you’ve done everything you can to facilitate proper schedule management and employee productivity, the final step is to make sure you’re doing everything possible on your end. Many times company owners and managers will take the hands-off approach and try to outsource and micromanage things that they could easily be doing themselves. Don’t fall for this common mistake. When your schedule is packed, do everything within your personal power to keep the momentum going.

A busy schedule doesn’t have to feel busy

In closing, just because your business is fully booked, that doesn’t mean you have to feel stressed as if it’s a bad thing. In fact, if you look back to when you first started the endeavour, you probably envisioned an ideal outcome looking a lot like your current maxed out schedule. Use the tips above to simplify the challenge and you’ll start to feel productive and satisfied rather than busy and overwhelmed.

Company news: Introducing a new dental insurance package

Insurance is designed to assist you financially when disaster strikes, and dental health insurance follows the same principle.
But dental disasters such as breaking a tooth do not happen often; rather, people spend time and money on common dental events such as cavity fillings, extractions and braces for children. Without dental cover, these treatments can be cripplingly expensive.

If you have downsized from a comprehensive medical aid plan to a more cost-effective and simpler hospital plan, you’ll need a dental policy that covers you for common dental treatments. Throw in cover for crowns on broken teeth and root canal – if you are unlucky enough to suffer an abscess – and immediately a dental insurance policy presents a proposition that offers excellent value.

This is why Denis has put together the Denis Dental Insurance Policy which provides comprehensive dental cover for the treatments you and your dependants are most likely to need. Most insurers make use of actuaries and mathematicians to determine cover, but Denis offers the expertise of 10 full-time dental practitioners – based in different countries around the world – who have spent a great deal of time investigating how best to insure their client’s teeth. The policies have over a decade of practical data experience behind them, as Denis knows what works for the average family over the long term; better still, their product holds no large annual premium hikes as so often happens in health cover. Denis Dental Insurance is designed to be sustainable over the long term.

Financial cover is one thing, but the very best commodity insurers can provide their clients is the information they need to manage their own risk. It is all very well knowing that you are covered for that possible root canal, but let’s face it: you would rather avoid having it in the first place! That’s where the Smile programme spreads a little magic: Smile is an ongoing educational programme that is activated at times when you need information, e.g. when you interact with your dentist or insurer. At such times, you need to make informed decisions about proposed treatments and costs. You will need answers to questions such as, ‘Are there alternative treatment options? Is there a downside to this particular treatment and, if so, what is it? Is the dental fee in line with the market?’

And did you know that Denis Dental insurance pre-pays treatment? How does it do this? Well, in terms of the laws governing health insurance in SA, the insurance product itself may not cover treatment – it must cover pathology. This means that once a dental professional has made a diagnosis, i.e. before any treatment commences, this insurance policy may pay the insured the benefit based on the treatment plan or pathology report. The insured therefore has funds to assist immediate settlement often required by dental health professionals. By law the policies may not pay providers of service, but pre-payment means that the insured is armed with funds by the time treatment is rendered. Immediate settlement of professional fees often attracts discounts from the provider. Armed with upfront funding and appropriate clinical information from the Smile programme, insured dental patients are well placed to manage their own dental risk.

The single best way to control dental risk is, of course, hygiene – not the type where you go to a dental hygienist, but the type you apply at home. You may have been brushing your teeth, but you still get cavities and want to know why. You may have heard that diet is a contributing factor to dental decay and gum disease, and you want to know more. How and when you eat may be as important as what you eat, but what does the contents of your fridge have to do with cavities? Which cavities can heal themselves and so don’t need to be filled?

Smile addresses these issues and more on an ongoing basis, in a unique, personalised and accessible manner. There is no point sending clients dental textbooks: firstly, they contain too much technical information and, secondly, most of it is irrelevant to you and your family. Smile is triggered to provide only what you need, when you need it. Smile only operates electronically so make sure you provide your dental insurer with your e-mail address.

Denis Dental Insurance is underwritten by major international underwriters so your risk is in good hands. With more than 1.5-million lives under their management, you can be sure that the Denis administration system will process your claims promptly and efficiently.

Offline marketing: Why your business location matters

These days, it seems that everyone is always talking about online marketing techniques and strategies, but the truth is that offline marketing is still very much important. In addition to advertising yourself offline through various mediums, you also need to consider the actual location of your business. After all, where you’re located could have a big impact upon the overall success of your company long term.
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Keep reading to learn more about why your business location matters, and why you should be looking into modern locations in the biggest cities in the country.

Where you work will change your costs

Your business’s location could have an impact upon how much you spend every month in both fixed and variable expenses. For example, you might be forced to follow a set of rules and regulations concerning things like minimum wage or waste management, or your taxes may vary from one location to another. Even energy bills can vary from one place to another, so you should look into these concerns before you decide to open for business. Certain states and cities are also friendlier to businesses in the sense that they have lower taxes in an effort to boost their local economy, so keep that in mind as well.

Accessibility for customers

If you are running a business that depends upon customers coming through your door, you need to be located in a place that gets good foot traffic. You also need to have plenty of parking available, and it should be easy to drive to your location and take public transport there as well. The goal is to make your company as accessible as possible to all of your customers. And beyond catering to existing customers, you also want to be in a prominent enough location where people will see your building, get curious, and decide to get more information on what you are all about.

Be where your target audience is

In addition to being easy to get to, your location should also be in an area where your target audience already is. For example, if you run a business that caters to a high-end customer base, you should not be located in an area where people will not have the budget to purchase your goods and services. Also, if you are a B2B type of company that works with other businesses rather than directly with consumers, you should be located in an area where your business clients will be located. Not only will this be convenient for your customers, regardless of who they are, but it will also make it easier for you to generate sales because you will be readily available to them, unlike your competition.

These are just a few of the many reasons why, when it comes to offline marketing for your business, you should definitely factor in where your company will be located. With the right location, you can have the right foundation on which you can build your customer base and grow your organisation from the bottom up.

Company news: Introducing a new dental insurance package

Insurance is designed to assist you financially when disaster strikes, and dental health insurance follows the same principle.
But dental disasters such as breaking a tooth do not happen often; rather, people spend time and money on common dental events such as cavity fillings, extractions and braces for children. Without dental cover, these treatments can be cripplingly expensive.

If you have downsized from a comprehensive medical aid plan to a more cost-effective and simpler hospital plan, you’ll need a dental policy that covers you for common dental treatments. Throw in cover for crowns on broken teeth and root canal – if you are unlucky enough to suffer an abscess – and immediately a dental insurance policy presents a proposition that offers excellent value.

This is why Denis has put together the Denis Dental Insurance Policy which provides comprehensive dental cover for the treatments you and your dependants are most likely to need. Most insurers make use of actuaries and mathematicians to determine cover, but Denis offers the expertise of 10 full-time dental practitioners – based in different countries around the world – who have spent a great deal of time investigating how best to insure their client’s teeth. The policies have over a decade of practical data experience behind them, as Denis knows what works for the average family over the long term; better still, their product holds no large annual premium hikes as so often happens in health cover. Denis Dental Insurance is designed to be sustainable over the long term.

Financial cover is one thing, but the very best commodity insurers can provide their clients is the information they need to manage their own risk. It is all very well knowing that you are covered for that possible root canal, but let’s face it: you would rather avoid having it in the first place! That’s where the Smile programme spreads a little magic: Smile is an ongoing educational programme that is activated at times when you need information, e.g. when you interact with your dentist or insurer. At such times, you need to make informed decisions about proposed treatments and costs. You will need answers to questions such as, ‘Are there alternative treatment options? Is there a downside to this particular treatment and, if so, what is it? Is the dental fee in line with the market?’

And did you know that Denis Dental insurance pre-pays treatment? How does it do this? Well, in terms of the laws governing health insurance in SA, the insurance product itself may not cover treatment – it must cover pathology. This means that once a dental professional has made a diagnosis, i.e. before any treatment commences, this insurance policy may pay the insured the benefit based on the treatment plan or pathology report. The insured therefore has funds to assist immediate settlement often required by dental health professionals. By law the policies may not pay providers of service, but pre-payment means that the insured is armed with funds by the time treatment is rendered. Immediate settlement of professional fees often attracts discounts from the provider. Armed with upfront funding and appropriate clinical information from the Smile programme, insured dental patients are well placed to manage their own dental risk.

The single best way to control dental risk is, of course, hygiene – not the type where you go to a dental hygienist, but the type you apply at home. You may have been brushing your teeth, but you still get cavities and want to know why. You may have heard that diet is a contributing factor to dental decay and gum disease, and you want to know more. How and when you eat may be as important as what you eat, but what does the contents of your fridge have to do with cavities? Which cavities can heal themselves and so don’t need to be filled?

Smile addresses these issues and more on an ongoing basis, in a unique, personalised and accessible manner. There is no point sending clients dental textbooks: firstly, they contain too much technical information and, secondly, most of it is irrelevant to you and your family. Smile is triggered to provide only what you need, when you need it. Smile only operates electronically so make sure you provide your dental insurer with your e-mail address.

Denis Dental Insurance is underwritten by major international underwriters so your risk is in good hands. With more than 1.5-million lives under their management, you can be sure that the Denis administration system will process your claims promptly and efficiently.