getting insured

Are the two of you covered no matter what? Find the insurance coverage you need and answers to all your insurance questions right here. Let's start with you and your honey: We've got health insurance information to help you choose the right plan and advice on how to get and keep health insurance even if your circumstances change. We've also got the inside scoop on life insurance and disability insurance. Now let's move on to some of the key parts of your life, like where you live. We have home owners insurance advice to help you understand what kind of policy you need, what's covered, and what to do when you need to use it. Besides the house, what about your wheels? You'll find answers to all your auto insurance questions, including how to cut car insurance costs. And let's not forget the little things! Ever thought about insuring your engagement ring? It might not be covered by your renter's or home owner's policy, so you ought to check if you have ring insurance. We've also got general insurance advice that can help with all your coverage, from the eight tips newlyweds need to know to tried and true tricks from real Nesties about insurance. You can also chat with other Nesties to get insurance advice right here. Whether you've got auto insurance questions, need home owners insurance advice, want help with health insurance information, or just want the dirt on insuring your engagement ring, you've hit the right spot.

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How to Decide if Dental or Vision Insurance is Worth It

You know medical insurance is a must, but when it comes to dental and vision plans, do you really need it? Here’s how to decide.

Vision insurance

If you’re one of the lucky ones with 20/20 vision, you may want to consider skipping the vision insurance and saving some cash. Your general practitioner will perform basic eye tests during your annual physical, which will likely catch any problems with your eyes. And if he does catch something, any kind of non-elective eye surgery should be covered by your regular medical insurance.

But if you do wear glasses or contacts, you’ll want to consider a stand-alone vision plan. How come? Your medical insurance won’t cover glasses or contacts. Most eye exams run about $60-$100 per visit, so factor in the costs of an annual exam, plus prescription lenses and compare the total cost to the deductible and premiums on the vision plan to see if it’s worth it.

Dental insurance

When it comes to your teeth, dental care is seen as a must, so you’ll probably want to spring for the insurance to cover all preventive care (usually cleanings, x-rays, etc.), as well as fillings and other less-pleasant affairs. Think about it: Do you need another excuse to skip the dentist? Still, the average American spends about $200 every year on dental-related costs, while many premiums and deductibles can run much higher than that (we’re talking $500 and up), so it’s important to pick the right type of coverage and use a dentist within your network.

Look at your dental records to see how much you typically spend on dental expenses in a given year, and compare that number to the potential plan’s maximum annual benefits, which are usually around $1,000 to $1,5000. Believe it or not, that might not be enough to cover all your expenses if you have a few cavities, chip a tooth or need the dreaded root canal. Another thing to consider: Waiting periods. Look into how long you’ll have to wait before your insurance will pay for that root canal—in some cases, it can be months or even a full year.

Learn How to Get Health Insurance if You Loose Your Job.

-- Paula Kashtan

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