CAA Atlantic's LIFE Advisory Review

Are you truly prepared for the unexpected when it comes to your health? Whether you're covered by an employer's benefits, self-employed, or enjoying retirement, the importance of health and dental coverage cannot be overstated. It’s crucial to assess your needs and the value of an individual plan. 

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Understanding Health and Dental Insurance 

Health and dental insurance is designed to help offset the costs of routine and scheduled medical and dental expenses. This can include coverage for prescription drugs, dental and vision care, as well as alternative therapies such as massage therapy.

Additionally, it can assist with unexpected or long-term medical expenses, such as a semi-private hospital room, wheelchairs and other essential medical equipment. 

By paying a monthly or annual premium, individuals secure coverage for specific health and dental care costs outlined in their policy or plan. This arrangement alleviates the financial burden associated with routine healthcare expenses. 

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The Importance of Personal Coverage 

Like other types of insurance, health and dental coverage offers peace of mind and financial security. Given that everyone requires routine health and dental care, having an insurance plan can significantly lessen the financial impact of these essential services.

Whether it's a regular dental check-up, filling a prescription, or undergoing an eye exam, the cumulative costs can be substantial. Furthermore, in instances where government health insurance plans do not provide comprehensive coverage, individual health and dental insurance serves as a valuable resource. 

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Comparison: Employee Group Plans vs. Individual Plans 

While employer-sponsored group plans offer numerous advantages, including potential cost-sharing by the company, they often provide limited flexibility as the selection is determined by the employer.

On the other hand, purchasing individual insurance empowers individuals to tailor their plan to suit their specific needs and budget. 

Also, individuals who are covered under an employer's group plan may have the option to supplement any deficient benefits through an individual plan. This strategic approach ensures comprehensive coverage aligned with personal requirements.

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Planning for Retirement: A Critical Consideration 

As you contemplate retirement, it's crucial to carefully evaluate your future healthcare coverage. If your employer does not extend health plan benefits to retirees, investing in an individual health and dental plan becomes particularly relevant.

This proactive decision-making process contributes to a sense of security and preparedness during this significant life transition. 

Given the wide array of available plans, consulting with a Licensed Life Insurance Advisor can help navigate the selection process and identify a plan that aligns with your unique circumstances. 

For more information about health and dental insurance, please reach out to a knowledgeable Licensed Life Insurance Advisor at 1-888-444-6711 or click here to book an appointment - Book a Free Appointment - CAA Life Insurance Consultation ( 



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