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Spirit Dental is the online storefront for Direct Benefits, a company started in 2001 by Tom Mayer, who wanted dental coverage to be affordable for all Americans. While Direct Benefits serves as a broker for employee benefits and consultants, Spirit Dental is meant for online consumers who can buy coverage right on the website or talk to one of their many agents and providers nationwide. Food & drink Martial Status Premium » Programs Most Cited & Viewed Trump Administration Makes “Crisis Next Door” a Top Priority Support for Your Dream Cigna Dental Insurance Plans Secondary Navigation Local Offers Chapters Severity: Pay My Bill Coverage History – Insurance companies like to see continuous auto insurance coverage. It shows you are a responsible driver. If there have been major or frequent lapses in your auto insurance coverage, you may pay more for your auto insurance. 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With health insurance, you pay your deductible and then a significantly smaller portion of the rest of the bill. Dental coverage is the opposite. You receive a certain amount of coverage, and after that you're on your own to pay the balance of the bill. Once you hit your yearly maximum, you have to either wait until next year for more work or pay the expenses from your own wallet. Caring for Your Eyes Patients Across the Globe Are Concerned with Losing Access to Medications Amid Disasters According to International Poll Annual average insurance paid: $1,295.44 team members Ascension at Home Education Level Premium Raising Fit Kids Americas • Speech therapist Credit cards 101Pick the best credit cardBoost your approval oddsBalance transfers 101Credit card debt studyRange of credit scoresHow to build creditDebt calculatorCredit Building community TEDx Organizers Walmart, based in Bentonville, Ark., has a lot at stake. Some 1.5 million employees work at its more than 4,700 U.S. stores, making it the country’s largest private employer. Because Walmart self-insures health coverage for about 1 million employees, it has increasingly carved out a reputation as a health-care innovator. The employers, which tend to be large ones, that self-fund their health plans take on the financial risk of the health care of all their employees, rather than having an insurer do it. Deactivating This feature is not currently available. Google Plus The information you are about to access may not meet accessibility standards for people with disabilities, including visual impairment, nor is it optimized for people using tablets or phones. Please bear with us as we work to upgrade this information to the same standards as the rest of our website. All Polls Parent-teen driving contracts Should I Go to Grad School? When to Get a Master’s Degree Yes. 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