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Do the math on the extras
If your employer offers apparition or dental care, do a number of calculations before signing up, Kaplan say? The reason: Many of these plans have relatively low caps on benefits. For example, a plan may pay a maximum of $1,000 or $2,000 annually but charge substantial premiums.
In a number of cases, Kaplan said, you are better off forgoing the coverage and simply putting the premiums in the bank. Keep building that fund year after year, he added, to help defray the cost of teeth cleanings, eye exams, root canals and whatever more costly care might come later.