SMB CEOs: You Need More Than Just Health Insurance

There’s been a lot of talk about health insurance in America lately. Is the Affordable Care Act (aka Obamacare) staying? Is it going? If it goes, what, if anything, will replace it, and when will those changes kick in? Will Congress ever make up its mind?

Health insurance for CEO

Plenty of people are worried about the state of their healthcare lately, and for good reason. It can be hard to think about other things when the state of health insurance seems so tenuous, but taking care of yourself doesn’t begin and end with health insurance. You need other types of insurance as well: dental insurance for yourself, and life insurance for you and your family’s peace of mind.

Dental Insurance

If health insurance is hard to figure out, dental insurance can be even more so. It may cover cleanings but not fillings. It may cover fillings but not root canals. However, it’s still something you’re better off having than not. It can still make a difference, and every little bit helps when you’re navigating the world of dental bills.

It’s a great feeling to go to the dentist and be told you won’t be charged for a cleaning. The money you save on cleanings can be put back in a fund for any other, more expensive, dental work you may need.

Also, visits to the dentist are like visits to the doctor, in that it’s easy for people to tell themselves they can’t afford to go, period. Skipping visits can offer a short-term benefit for your bank account, but it can be really harmful to your health in the long run. Dental insurance won’t cover everything, but it’s a lot better than nothing. So once you’ve got insurance, find a local dentist and make an appointment as soon as possible. There’s no sense in putting it off.

Life Insurance

Who likes to think about death? Nobody except coroners and the writers of all those TV crime shows. But it’s going to happen to all of us eventually, and we don’t want to leave our families in financial peril when we go. It’s worth the five minutes visiting an online broker like OurLifeCovered today and find a plan that makes sense for you and your loved ones.

You may think you’re young and not likely to do anytime soon. And your odds of sticking around a while are probably pretty good, but that’s all the more reason to get life insurance. I’m sorry to say, but if you died suddenly, your family would be feeling a mixture of shock and grief. They don’t need financial issues on top of everything else.

Too many families have to set up crowdfunding websites just to cover basic expenses after a loved one does; you don’t want your spouse and kids to be among them.

Takeaway

It’s true that thinking about death doesn’t make you more likely to die, but it’s equally true that not thinking about it doesn’t do anything to prevent it either. With any luck, you’ll live long enough to read bedtime stories to your grandkids. But it’s a bad idea to depend purely on luck. Luck doesn’t pay the mortgage.

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