With the holidays approaching, families across the US recognize that one of the most expensive times of the year is upon us once again. The budgets will likely get tighter, while thoughts and resolutions turn to the new year, often with commitments to live healthier lives.
One important but often neglected method of living healthily is in regards to dental care. Many families struggle to afford the cost of routine dental work, which is all the more expensive without a comprehensive dental plan.
While dental work is technically a part of healthcare, standard health insurance plans omit coverage for oral care. However, dental work is provided as part of oral health insurance, or through an annual dental plan.
Believe it or not, there are notable differences between dental insurance and dental plans. There are typically more restrictions for you as a patient when you acquire dental insurance, along with high annual rates, and potentially long waiting periods to see a competent dentist.
On the other hand, a dental plan is more affordable and frankly, a much simpler option to maintain quality oral care. Most dental plans are independent from an insurer, which eliminates the administrative headaches of filing insurance claim forms, and paying for high clerical fees.
There are also discounts for most dental plan members, though you should verify that your dentist is part of the discount dental plan network. For families on a tight budget, particularly after the holiday season, this can be very important for the oral health of the children.
People tend to take their 
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Although upsetting and inconvenient at times, it is the undeniable and unavoidable truth that everyone makes mistakes; after all, we are only human. As a business owner, it can be more common than one would like to admit that unintentional accidents can and do happy and sometimes these accidents lead to injuries. Almost anyone who has been injured (physically and/or mentally) or suffered financially can file a claim against you, your company or your employees if said injury occurred in relation to your company. Without being able to predict such an incident it, is imperative to protect not only your employees and yourself as the owner, but the company in entirety.