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Is your employer's group dental coverage insufficient for your family? If you have pre-teens who may need braces and a group dental plan from your employer that doesn't cover it, then you may need to seek supplemental coverage elsewhere. Without coverage, an orthodontist's charges are simply overwhelming for most people.
With the wide variety of dental plans available on the market, you may want to purchase an individual dental plan for the member of your family who will most likely need the extra coverage or an entire family plan. With whatever coverage strategy you choose, purchasing a supplemental dental plan could save you money in the long run.