The Hidden Benefits of a Low Cost Dental Plan

Any dentist will tell you how important it is to look after your oral health. The gums are one of the body’s main gateways for infection, meaning not looking after them can result in problems in other areas. If you’ve ever had an infected tooth, you’ll know firsthand just how unwell it can make you feel – and not just due to the nerve pain.

Tooth decay is common in those who have neglected their oral health. We tend to miss check ups for a number of reasons: fear of dental procedures, busy lives, or simply that it slips our mind because we’re not in any immediate pain. But one of the main reasons we avoid visits to the dentist is that they are simply too expensive.

An increasing number of us don’t receive dental care packages from our employers, making oral care difficult to afford. This causes us to neglect one of the focal areas of our overall health, and may even lead to more invasive procedures with longer recovery times. But there is an alternative that promises to keep our health in check without breaking the bank.

A low cost dental plan can provide an affordable alternative to conventional ones; it can also serve to supplement your existing insurance policy. There are many obvious benefits of signing up to one of these discount plans, including savings of up to 50% or more, flexible fee schedules and a guarantee of being accepted regardless of your situation.

However, there are also many hidden benefits of signing up that many people remain oblivious to. For example, many of us don’t realise that by investing in a low cost dental plan, we could also gain access to discounted visual care.

This means you could be saving over 20% off retail eyeglass frames and lenses, contact lenses and eye exams from over 30,000 providers nationwide. You should also receive discounted access to independent Optometrists, Ophthalmologists and Opticians. You may even stand to save money on LASIK or PRK procedures.

You should also receive cheaper prescriptions when you become a member of a discount dental service. This means you’ll be able to receive discounts of 20% or more on generic medicines for common health conditions, as well as high tech and injectable drugs. You will be able to use your drug card any time your prescription isn’t covered by your membership.

This prescription discount should apply in thousands of participating pharmacies nationwide, including most major chains. It offers unlimited use with no restrictions and no lengthy forms to complete. You may even stand to make extra savings if you use a mail order programme, depending on your provider.

What’s more, your medical history is never taken into account when you apply. No one is ever denied coverage, regardless of age, health or financial circumstances. Plus, unlike with other healthcare plans, you are granted unlimited visits to your dentist. So, there is no need to be concerned if your treatments span over a number of appointments.

You will be able to find a plan that best fits your personal situation, whether you’re looking for individual coverage, family coverage or you’re applying as part of a group. By looking online for providers in your area, you will be able to compare the prices of different plans and find the best one to suit you.

Before signing up to a service online, be sure to read through the terms and conditions, as well as the company’s disclosure page. As a customer and patient, it’s important you know your rights when it comes to treatment, and in terms of cancelling your membership if and when you need to.

Money Transfer Threatens – Beware!

Would you trust anyone to babysit your child or care for your dog while you are away, without checking their credentials? Most certainly not, right? At least that’s how we hope you would respond.

Similarly, in the digital world, you should think twice before you send money to or through someone, who is a complete stranger, or give your account details to someone who’s asking for it over email. Because once the money leaves your account, there is no way, you one can reverse the transaction. It is nearly impossible to identify the threatens or track him down. Leading money transfer providers like us, explicitly advise not to send money to strangers. So what are some of the common scams to watch out for and what precautions should you take to avoid them?

Money laundering

Sometimes scams are initiated with an email or a phone call, or even an advertisement in the newspaper, offering commission for work with minimal risk. All that is required from the prospect is a laptop, an internet connection and a few hours every week. It might be pitched like an opportunity to work from home or flexible working.

You will be asked to either deposit money to receive initial working kit or receive a hefty payment into your bank account, then redistribute the money overseas (laundering). Whilst the fraudsters may convince you that money is being used for legitimate purposes such as trading shares abroad, or helping a charity distribute funds – you need to be vigilant. Or you could find yourself unwittingly funding criminals or converting someone’s black money into legitimate funds. Further, once you are lured into this by commission, scammers may also try to access your bank account, using the details you have given them.

Don’t respond to such advertisements or give your bank details to strangers. Ever.

Gift card/phishing

This scam usually happens during the holiday season. Consumers receive special promotion or gift card emails that look like it comes directly from an authorised retailer. Unfortunately, the links to the special promotion lead to a replica of the real website. The fake site swarms with malware, virus and phishing worms of all kinds that invade your gadgets to retrieve your financial credentials.

Look out for a small security lock icon at the bottom of your browser or next to the HTTPS in the browser bar when accessing any profiles, user accounts or online forms that ask you for financial information.

Online shopping

There are many fake companies online that sell drugs without legitimate prescriptions, or weight loss products. If an offer seems too cheap/good to be true, it will most definitely be a fraud. So no matter what the seller says, never share your credit card details for payment. Don’t take chances on your health and wealth by sending money to a stranger without proper validation and research.

Be vigilant, check reviews and avoid payments by any means. In fact COD might be better than giving your credit card details on their website.

Online vehicle sales

Criminals often attempt to hide behind the names of reputable companies such as eBay Motors and other well known brands by having replica websites, with just a slight change in the domain name. If you really want to initiate purchase of a vehicle, find out if both the seller and car ownership details are actually legitimate.

Do not send money to a complete stranger. Check for reviews online about the website, and spend time researching. Best bet – buy cars offline.

Lottery/sweepstakes

Legitimate lotteries will never require people to pay money upfront. How often do you receive a text or an email, saying you won something (money or a prize)? These scams usually request you to send money to pay for taxes, customs, or any administration fees for the collection of the prize.

Don’t even think about sending money to people who tell you that you have “WON” something to collect your winnings. Delete the email as soon as you see the subject line saying you have “won”, especially if it’s from an unknown entity.

To safeguard yourself and your money, transact only through trustworthy money transfer companies that have the following:

  • Proven Compliance and Monitoring Systems
  • Suspicious Activity Monitoring System
  • Effective Customer Due Diligence System
  • Know Your Customer implementation
  • Watch List Filtering Capabilities

Now it’s your call to be on guard!