My husband and I are finally breaking down and going to see the dentist. Neither of us has been since just before we were married (and still on our parents’ employers’ plans). So I’ve been trying to figure out what to do. We have our own family plan for health insurance (that I deduct on the taxes since we have it through my home business), but it doesn’t cover dental care. So we started looking into dental insurance.
At first, it seemed rather inexpensive. But then I saw deductibles, co-pays and limitations. And there are waiting periods. So I called around …read more

The costs of health care continue to rise, and whether you work for yourself, getting self-employed health insurance, or whether you work for a company that offers benefits. And one way that some companies are trying to cut health care costs is by offering health care flex plans, that also allow you to use the money on vision and dental visits.
But here’s the kicker: Even though the money in health care flex plans is taken out pre-tax, most plans require you to use the money in there or lose it. So if you you have $6,000 in your health savings …read more