Affordable Dental Insurance: Get Informed

Signing up for a discount dental plan is a smart choice for anyone who values their smile and the ability to chew properly.  Routine visits to the dentist are not everyone’s cup of tea and they also cost money. While having good dental health is good, it costs money to maintain those perfect white teeth.  Getting dental insurance keeps you safe in the knowledge that in case of any major dental operations, you will come out smiling. Insurance is meant to cover for accidents and a dental plan is just what you need to keep your dental arrangement in shape.

There are many insurance agents who will promise affordable dental plans but you have to be careful in the choice you make. Many people get the wrong insurance plan because they do not bother to look around for alternatives. For many, insurance is often far away from the mind until an insurance broker approaches you wit a certain ‘fabulous plan.’  This kind of ignorance is very well exploited by insurance salesmen who know that you have no idea of what they are talking about. For simple plans you get a raw deal and insufficient cover.

There are many sources of getting information on both family and individual dental insurance plans. The priority would be learning on the different kinds of insurance plans on offer. You can then look at the agents offering that kind of plan. Remember to always look at the fine print for the devil is always in the details.

What to do if your credit or debit card security has been breached

The Atlanta based Global Payments, a credit and debit card processor recently revealed that up to 1.5 million accounts in North America have been hacked. Master Card issued a statement asking card holders to contact their financial institution if they have any concerns and Visa said their cards are not impacted by the hacking. Here’s what to do if you discover any unauthorized transactions on your credit or debit cards.

• Scrutinize your monthly statement very carefully for any unauthorized charges.
• Contact your financial institution immediately.
• Know your rights. You are not responsible for more than $50 fraudulent charges under the Federal law and most card issuers will remove the entire charge.
• Place a fraud alert in your credit files. This will obligate any credit agency to contact you before issuing any new credit.
• Get free copies of your credit reports annually and review those reports for any inconsistencies.
• You can also contact the retailer who charged your card. It could be a simple mistake that can be corrected promptly.

Many states now carry laws requiring timely disclosure of data breaches and stiff penalties for failure to inform such incidents.