One area where many health insurance policies are lacking is in the dental insurance department. This is not a typical option provided with health insurance, and with rising dental costs it’s important to have the proper coverage so you can afford to keep your smile in great shape.
Dental insurance can be added on with some health insurance coverage, so it’s worth looking into the costs of adding that policy onto your existing health insurance option. This may only be a small addition to your monthly premium. However, you also have to pay close attention to the coverage provided with your health insurance. It may not cover all of the procedures that you need assistance with.
One important facet of dental insurance is whether it covers preventative care or not. Some dental insurance covers a certain amount of cleanings and check-ups during the year without cost. This helps you stay on top of your dental needs so that your teeth stay healthy and strong for the rest of your life.
Another aspect of dental insurance is how much it pays for major procedures, such as root canals. The insurance may provide a discount on specified procedures, or it may have a co-insurance percentage set for the procedure. This helps you to figure out whether the cost of the insurance works in your budget, as well as knowing that you won’t have to pay sticker price for major dental work.
Talk to our experienced dental insurance agents in Lincolnwood, IL to figure out what the best option for your needs are. Our free online quote tool helps you figure out how much your monthly cost is before you even need to talk to us directly.
As a homeowner in Illinois, you probably understand the importance of homeowners insurance. With tornados, thunderstorms, winter storms and hail assaulting Illinois homes with regularity, you want all the protection you can get. Luckily, there are several different types of insurance to choose from, so you can easily find the exact coverage that you need.
The bare bones insurance policy or form for Illinois homes would be Dwelling Fire. This insurance covers only the dwelling, not anything you have inside of it, but it will pay in the event of fire, hail,wind, smoke or lightning. The Basic Form and Modified Form will cover all of those perils as well as theft and vandalism for your dwelling and its contents, with the Modified Form applying specifically to older homes where the rebuild cost is higher than the amount the house is worth on the open market.
The next level of home insurance policy available is called the Broad Form. This insures your dwelling and property against all of the perils that the lesser forms cover, and also damages that occur as a result of failed heating, plumbing or air conditioning equipment. The Special Form is the most complete coverage, and it’s the policy that most people have on their homes. It covers most of the major threats to your home, with the most common exclusions being flood and earthquake. You can, of course, purchase a supplemental policy to protect your home against those if they are a major concern in your area.
Before deciding on the exact type of policy you want, it’s best to discuss your needs with an agent. You are welcome to contact us any time with your questions, and if you’d like to shop around, you can even compare live quotes on homeowners insurance right on our website.