Dental Insurance Case Study

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The client is currently looking at whether he should pay dental insurance for his insurable interest in his health.
Some risk factors to his heath include the fact that the client smokes, that the client is overweight, that the client has a mom with diabetes, that the client has a dad who has had two heart attacks in the last year, and that the client has three potential cavity sites.
Currently, the client has a 20/80 clause, a $10 co-pay for prescriptions and doctor’s visits, and a single person’s $200 out-of-pocket deductible for his medical insurance. A 20/80 clause signifies that the client has to pay for 20% of the bill while the insurance company covers the other 80% of the bill. The $10 co-pay for prescriptions and doctor’s visits indicates

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