Is foundation damage covered by homeowners insurance?

Are Foundation Leaks Covered By Insurance

Best Answer

Homeowners Insurance and Foundations.

However, most policies exclude coverage for issues such as foundation cracking or your house sinking or subsiding.

Generally, the only instances when homeowners insurance covers a home's foundation is if it was damaged by other issues such as broken plumbing.

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Related Questions

Is animal damage covered by homeowners insurance?

Is Damage From Wild Animals Covered Under Your Homeowners Insurance Policy. Generally speaking, a standard home or mobile home insurance policy will cover damage to your home by a wild animal so long as the animal is not a rodent. Rats and mice are rodents, raccoons, opossums, skunks, birds, and bats are not.

What is not covered by homeowners insurance?

Typical homeowners insurance policies offer coverage for damage caused by fires, lightning strikes, windstorms and hail. But, it's important to know that not all natural disasters are covered by homeowners insurance. For example, damage caused by earthquakes and floods are not typically covered by homeowners insurance.

Are dog bites covered by homeowners insurance?

Homeowners and renters insurance policies typically cover dog bite liability legal expenses, up to the liability limits (typically $100,000 to $300,000). If the claim exceeds the limit, the dog owner is responsible for all damages above that amount.

Foundation Releveled, House Destroyed - Will Your Insurance Carrier Pay?

Does homeowners insurance cover dog damage?

Homeowners insurance typically does not cover damage your pet does to your personal property or your dwelling. Liability coverage may help cover damage your pet does to another person's property.

Does homeowners cover wildfire damage?

Homeowners insurance typically helps cover damage to your home and belongings resulting from a wildfire. Standard homeowners policies generally help protect against specific perils, including fire, but coverage may vary by geographic location and by policy.

What breeds of dogs are not covered by homeowners insurance?

Here is a list of dogs that most insurance companies will not insure: Akitas. Doberman Pinschers. German Shepherds. Great Danes. Pit Bulls & Staffordshire Terriers. Presa Canarios. Rottweilers. Siberian Huskies.

Is a dog covered under homeowners insurance?

A standard homeowners insurance policy offers coverage for injuries caused by most dogs under the personal liability and medical payments to others provisions of your policy.

Does homeowners insurance cover dog bites?

Homeowners and renters insurance policies typically cover dog bite liability legal expenses, up to the liability limits (typically $100,000 to $300,000). If the claim exceeds the limit, the dog owner is responsible for all damages above that amount.

Does Homeowner's Insurance Cover Foundation Repair? : Homeowner's Insurance

Does homeowner insurance cover dog bites?

In most instances, an animal owner's homeowner's insurance policy will cover liability arising from dog bites (and injuries caused by other common household pets) that occur on the owner's property. The average amount of liability coverage in homeowner's policies is between $100,000 and $300,000.

Does my homeowners insurance cover dog bites?

Homeowners and renters insurance policies typically cover dog bite liability legal expenses, up to the liability limits (typically $100,000 to $300,000). If the claim exceeds the limit, the dog owner is responsible for all damages above that amount.

Is chemotherapy covered by insurance?

Today, more and more chemo drugs are taken by mouth. Oral chemo drugs are often treated like regular prescription drugs. You have to pay for them and, even if your insurance covers them, you might have a very high co-pay. For example, some insurance companies require a co-pay of 25% of the drug cost.

Is Eucrisa covered by insurance?

EUCRISA is covered by most commercial prescription insurance plans.

Is chemo covered by insurance?

Today, more and more chemo drugs are taken by mouth. Oral chemo drugs are often treated like regular prescription drugs. You have to pay for them and, even if your insurance covers them, you might have a very high co-pay. For example, some insurance companies require a co-pay of 25% of the drug cost.

Is foundation damage covered by homeowners insurance?

Is Zoloft covered by insurance?

Sertraline (Zoloft) is an inexpensive drug used to treat depression. Generic Sertraline is covered by most Medicare and insurance plans, but some pharmacy coupons or cash prices may be lower.

Does insurance cover animal damage?

Nearly all animal car accidents are handled the same by car insurance carriers. All animal car accidents can potentially be covered by your car insurance if you have purchased comprehensive coverage. A couple of things are required to file a claim. The damage cost needs to exceed your deductible.

Does insurance cover rodent damage?

The good news is that your auto insurance may pay for the rodent damage. Most insurers provide coverage under comprehensive auto policies if animals such as mice or squirrels damage your vehicle's electrical system, says Gusner, of CarInsurance.com.

Does insurance cover squirrel damage?

Most likely, you're protected. Typically, damage caused by critters such as squirrels may be covered under comprehensive coverage, so you may want to look into adding these optional coverages to your auto policy. The answer depends on the coverages you purchased as part of your car insurance policy.

Does insurance cover termite damage?

Termites may be tiny, but they can cause huge damage to your house should you experience an infestation. Homeowners insurance doesn't normally cover termite damage or removal. That's because termite infestations can typically be prevented through routine home maintenance, which homeowners are responsible for.

Does insurance cover dog damage?

Physical damage repairs after hitting an animal are covered by comprehensive car insurance coverage. The dog owner's homeowners insurance policy would pick up such a claim under its liability coverage. Typically liability claims do not have a deductible.

Is Luxating patella covered by pet insurance?

If patellar luxation is found in one or both knees, talk to your veterinarian about your treatment options. According to Petplan 2018 claims data, patella luxation cost pets $1,730 on average, but a pet insurance policy from Petplan can help cover these costs. For a free quote, click here.

Is cleft palate surgery covered by insurance?

Your health insurance plan will likely cover cleft surgery because it is a reconstructive procedure. Coverage varies among insurers including pre-certification requirements, inpatient stay allowances and coverage for secondary procedures and allied health care services such as speech therapy.

What is covered by personal accident insurance?

Generally, personal accident insurance policies cover as standard: death. permanent total disablement; and. loss of, or loss of use of, a specified body part (such as a limb).

Is diabetes covered by pet insurance?

You should then get lifetime pet medical cover. This allows medical coverage of a chronic illness like diabetes, even after the year of its inception. The "per condition, per policy" limit specifies that the insurance will only pay a given amount for diabetes during the entire life of the policy.

Is teeth covered by pet insurance?

As with most pet insurance, it will not cover cleaning, cosmetic or routine dental treatments. Many other policies only pay out for dental treatment if your pet's teeth are damaged in an accident. But it's important to note that not all of their policies will cover dental treatment related to an illness.

Is K Laser therapy covered by insurance?

Laser Therapy FAQ 1 – Is Laser Therapy Covered By Insurance? While it is true that most insurances are not reimbursing for laser therapy currently, the good news is that progress is being made. For carriers that do not recognize HCPCS II codes, the appropriate ICD-10-CM Code for LLLT is 97039, “Unlisted Modality”.

Is Cherry eye covered by pet insurance?

Pets Best Insurance covers cherry eye in their BestBenefit plans if it's not pre-existing. Many other pet insurance companies consider cherry eye a hereditary condition so they might not cover it, or have limited coverage.

Is dental work covered by pet insurance?

As with most pet insurance, it will not cover cleaning, cosmetic or routine dental treatments. Many other policies only pay out for dental treatment if your pet's teeth are damaged in an accident. But it's important to note that not all of their policies will cover dental treatment related to an illness.

Is dog spay covered by insurance?

Pet health insurance can help owners to best manage the cost of many vet procedures. The question is, does pet insurance cover neutering or spaying your dog or cat. Technically, insurance companies do not offer this type of coverage to pet owners who have major medical or accident-only plans.

Is cataract surgery covered by pet insurance?

Cataract surgery not affordable by any means. Coverage for cataract surgery depends on the pet insurance company. Additionally, the vast majority of pet insurance providers state that they do not cover pre-existing conditions or any conditions that began before your pet's enrollment in their insurance plan.

Is kennel cough covered by insurance?

Yes, since kennel cough is an illness that can be covered under the medical component of your pet insurance, as long as it is not something that can be classified under pre-existing medical condition. Kennel cough is transmitted to other pets through coughing and sneezing.

Is removal of lipomas covered by insurance?

Removal is usually covered by your health insurance plan. Some patients may want known lipomas removed for cosmetic reasons and do not need to use health insurance. The procedure is usually performed with just local anesthesia - the area is numbed with medicine and the patient feels no pain.

What is not covered by pet insurance?

Coverage includes emergencies, hereditary or congenital conditions1, cancer, and chronic conditions. No pet insurance company covers pre-existing conditions, and most plans do not cover wellness visits like annual exams or teeth cleaning.

Is Lipoma removal covered by insurance?

(This procedure may not be covered by health insurance.) Occasionally, a lipoma causes pain or affects muscle development and needs to be removed. Procedures to remove lipomas are usually done under local anesthesia, and patients go home the same day.

Is dental cleaning covered by pet insurance?

Most companies do not include routine dental care, like teeth cleanings, as part of their insurance coverage. Embrace Pet Insurance covers dental accidents and illnesses as long as they are not pre-existing to the policy purchase. No pet insurance company covers pre-existing conditions.

Is hip dysplasia covered by pet insurance?

Yes, It Is Possible. In the past, many pet insurance companies refused to cover hip dysplasia even if it was diagnosed well after the purchase of pet insurance. Most pet insurance companies will not cover hip dysplasia if it is diagnosed as a pre-existing condition.

Is umbilical hernia surgery covered by insurance?

Most insurers cover hernia surgery as long as it's medically necessary, which may require proof of pain or discomfort. Medicare and Medicaid usually cover a portion of necessary hernia surgery, too. If you don't have insurance, you may have to pay out-of-pocket. Estimated cost for the hernia surgery procedure: $851.

Are injections covered by insurance?

Most health insurance plans cover the cost of vaccines, but you may want to check with your insurance provider before going to the doctor. Most insurance companies are now required to cover the cost of immunizations and preventive care, but a select number of older and more limited plans don't yet apply to the new law.

Is Cherry eye covered by insurance?

Pets Best Insurance covers cherry eye in their BestBenefit plans if it's not pre-existing. Many other pet insurance companies consider cherry eye a hereditary condition so they might not cover it, or have limited coverage.

Is medication covered by pet insurance?

Pet insurance should cover drugs that are prescribed to treat an accident or illness that a pet suffers from while they are insured. And pet insurance is unlikely to pay for drugs that are part of a routine treatment such as worming.

What is covered by pet insurance?

Coverage includes emergencies, hereditary or congenital conditions1, cancer, and chronic conditions. No pet insurance company covers pre-existing conditions, and most plans do not cover wellness visits like annual exams or teeth cleaning.

Is prescription dog food covered by insurance?

Coverage applies to supplements and prescription pet foods prescribed by and purchased through a veterinarian for the treatment of injuries and illnesses. We cover ½ of the cost of prescription pet foods for up to two months of feeding.

Is spaying covered by pet insurance?

Does pet insurance cover spaying, neutering or other basic treatments? It comes as a surprise to some people, but most routine treatments cannot be claimed on your insurance. Pet insurance is designed for the unpredictable accidents and illnesses that could happen to your dog or cat.

Is euthanasia covered by pet insurance?

Pet Insurance for Euthanasia and Cremation. Not all pet insurance plans cover euthanasia, cremation and burial; in some cases coverage is an option for which you'll pay extra. Some plans only reimburse for euthanasia or cremation, not both, or may not cover your entire cost, leaving you to pay the remainder.

Are MRIs covered by insurance?

In some cases, an MRI can produce clearer images than an X-ray or CT scan. Most MRIs are typically covered by health insurance when deemed medically necessary. If deductibles are met, typical out-of-pocket cost consists of copays of $20-$100 for the doctor visit and for the procedure.

Is Desexing covered by pet insurance?

Does pet insurance cover desexing? You will generally have the option to select desexing cover under an accident, illness and routine care pet insurance policy. This could give you peace of mind in the event that your pet needs to be desexed, which is very common and even encouraged in Australia.

Is a PET scan covered by insurance?

A PET scan is typically covered by health insurance, with some exceptions. For patients not covered by health insurance, a PET scan typically costs an average of about $4,900 for a PET scan of the whole body to $6,700 for the brain and $6,800 for the heart, according to NewChoiceHealth.com .

Is dog teeth cleaning covered by insurance?

Most companies do not include routine dental care, like teeth cleanings, as part of their insurance coverage. Embrace Pet Insurance covers dental accidents and illnesses as long as they are not pre-existing to the policy purchase.

Is a CT scan covered by insurance?

Most insurance companies will reimburse the cost of getting a CT scan. Typically when a medical professional requests a CT scan, the procedure is automatically reimbursable depending on your insurance plan. If it is not fully covered, many insurance companies will cover some of the expense.

Is a service dog covered by insurance?

In short, service dogs help people live their best lives. Unfortunately, no health insurance, whether Medicare, Medicaid or private insurance, covers the cost of a service dog or any additional expenses, such as the cost of food and care.

Is neutering covered by pet insurance?

Best Pet Insurance Companies. Pet insurance helps pet owners pay the cost of medical expenses if their pet becomes ill or has an accident. Pet insurance plans can cover routine checkups and wellness procedures, such as annual exams, spaying, neutering, etc.

Is laser therapy covered by insurance?

A: MLS Laser Therapy is not covered by insurance. However, if you are being treated as part of a workman's compensation claim, your MLS Therapy treatments may be covered.

Are ultrasounds covered by insurance?

Your plan may only partially cover one ultrasound, or it may fully cover as many ultrasounds as your doctor deems medically necessary. Newer 3D ultrasounds allow you to get a better picture of your baby's features, but your health insurance may not cover these tests.

Does home contents insurance cover pet damage?

Home contents insurance often includes cover for accidental damage such as spillages and breakages, but this typically excludes damage caused by pets.

Are stitches covered by insurance?

Typical costs: Stitches typically are covered by health insurance. For patients without health insurance, stitches typically cost $200-$3,000 or more, depending on the provider, the injury and the complexity of the repair.

Does renters insurance cover accidental damage?

Accidental Property Damage. Renters insurance covers damages to your personal property in the event of a natural peril, such as a fire. Additionally, renters insurance covers accidental damages caused by you or if someone is hurt in your home.

Does contents insurance cover fire damage?

Contents insurance covers your possessions in the event of theft, loss or damage, including natural disasters, fires or flooding. It's separate to home insurance, which covers the building you live in, including fixtures and fittings.

Does State Farm homeowners insurance cover dog bites?

State Farm does not exclude homeowners or renters insurance coverage because of the breed of dog owned. Under the right circumstances, any dog might bite, regardless of breed. Stilwell recommends the following tips to keep people safe from dog bites.

Are service dogs covered by insurance?

Because of the length and intensity of this training, purchasing a service dog can be pricey – anywhere from $15,000 to $50,000 – and they are not covered by health insurance. Service dogs' expenses can be deducted from your taxes and there are many other ways to defray costs.

Are cataracts covered by pet insurance?

It depends on the kind of pet insurance you have. There are some pet insurance plans that cover cataract surgery for dogs while there are some that exclude these. If cataracts and other eye diseases go untreated, it can lead to blindness for your dog.

Are dental implants covered by insurance?

Some insurance plans cover implants, and some do not. The crown attached to the abutment of a dental implant can be covered under some dental plans. Some medical insurance plans are beginning to cover aspects of dental implants, especially if there are medical complications as a result of tooth loss.

Are root canals covered by insurance?

Your cost will be much lower if you have dental insurance. Most plans cover 50% to 90% of reparative procedures like root canals, fillings and crowns after a deductible is met. Dental insurance deductibles are usually less than $200.

Are EnChroma glasses covered by insurance?

EnChroma glasses are not a covered benefit in any insurance plans, but may be eligible for a general prescription or sunglass benefit.

Are allergies covered by pet insurance?

In some instances, it may be advised to feed home-cooked meals to pets with food allergies. A pet insurance plan can help cover the cost of allergy testing and treatment, in addition to helping you afford veterinary care for many other pet health concerns. Get a pet insurance quote.

Are vaccinations covered by pet insurance?

Pet insurance and vaccinations. Vaccinations and procedures such as spaying and neutering are not usually covered by pet policies. But bear in mind that keeping your pet's vaccinations up to date might make you eligible for cheaper premiums, as some insurers take this into consideration.

Are therapy dogs covered by insurance?

Because of the length and intensity of this training, purchasing a service dog can be pricey – anywhere from $15,000 to $50,000 – and they are not covered by health insurance. Service dogs' expenses can be deducted from your taxes and there are many other ways to defray costs.

Are vaccines covered by pet insurance?

The answer is yes and no. Wellness plans are a form of pet insurance that covers vaccinations and preventive or routine services. Traditional pet insurance policies cover pets when they are ill or injured, and most do not cover preventive measures such as vaccinations.

Are Diabetic alert dogs covered by insurance?

Few health insurance companies cover the costs of diabetes alert dogs, because their effectiveness has not been proven in scientific studies. D4D does not charge for the dogs it places, but it does charge an application and service fee of about $150.

Are Seeing Eye dogs covered by insurance?

Because of the length and intensity of this training, purchasing a service dog can be pricey – anywhere from $15,000 to $50,000 – and they are not covered by health insurance. Service dogs' expenses can be deducted from your taxes and there are many other ways to defray costs.

Are PET scans covered by insurance?

Patients should check with their physicians to see whether a PET scan may be helpful. For some types of cancer, a PET scan is covered by insurance. Medicare currently provides coverage for the following indications: Lung Cancer (Non-Small Cell): Diagnosis, Staging and Restaging.

Are C sections covered by pet insurance?

Regular pet insurance does not cover costs related to pregnancy, giving birth or cesarean. The Kennel Club and Agria Pet Insurance both offer specialist breeders risk insurance to cover a dog for complications during pregnancy. Coverage for cesareans, like all pet insurance, is meant to cover unexpected events.

Are vet visits covered by insurance?

Does Pet Insurance Cover Routine Vet Visits? Wellness plans, sometimes called routine or preventive care coverage, may be optional on your pet insurance policy. Typically, you pay a premium for the plan, and your insurer may help reimburse you for costs associated with routine vet visits, such as physical exams.

Why is dental not covered by health insurance?

Nearly 50 percent of American adults have periodontal disease, or oral infections. However, dental procedures cost money and the vast majority of them are not covered by standard health insurance, but instead are covered under separate dental insurance plans.

Is cherry eye surgery covered by pet insurance?

Both methods are relatively easy to perform with very few side effects and can be covered by a dog insurance or cat insurance policy from Petplan pet insurance. Prior to surgery, your veterinarian may prescribe topical anti-inflammatories in the form of eye drops to try to reduce the size of the cherry eye.

Does renters insurance cover pet damage to apartment?

Whatever the case may be, you can learn more here about whether homeowners or renters insurance cover pet damage. Generally speaking, most homeowners and renters insurance policies won't cover any personal belongings damaged by your pet.

Does State Farm homeowners cover dog bites?

State Farm does not exclude homeowners or renters insurance coverage because of the breed of dog owned. Under the right circumstances, any dog might bite, regardless of breed. Homeowners should talk to their insurance agent about coverage under a standard homeowner policy.

What dog breeds are not covered by insurance?

Note that no home insurance policy, whether it excludes your dog or not, will cover bills if your dog damages your own property or bites a member of your own household. Top 10 banned dog breeds Pit bull. Rottweiler. Chow chow. Presa Canario. Akita. Doberman Pinscher. Wolf hybrids. Mastiff.

What dog breeds raise homeowners insurance?

Home Insurance Banned Dog Breeds Akita. Akitas were bred for generations as guardian and bear-hunting dogs. Chow. Chows are known for having a calm disposition. Doberman Pinscher. German Shepherd. Great Dane. Pit Bull. Rottweiler. Siberian Husky.

Does owning a dog raise homeowners insurance?

As a responsible homeowner, you're expected to have adequate homeowners insurance, but having a dog, particularly one regarded as dangerous by your insurance company, can raise your premiums dramatically. Owning a dog is a big liability and when they bite, it's your insurance company that pays.

Do German shepherds raise homeowners insurance?

While your German shepherd may be an excellent watchdog and deterrent for potential burglars, most likely he isn't as vigilant or helpful in the battle against increasing homeowners' insurance premiums. It might not be fair or earned by every dog, but this breed's aggressive reputation can be costly.

Is Formula covered by snap?

Yes, you can use your Supplemental Nutrition Assistance Program (SNAP) benefits to buy baby food. This includes infant formula, cereals, juices, baby food and any other eligible food item. Are diapers or baby wipes eligible for purchase with SNAP benefits?

Does lemonade cover accidental damage?

Lemonade also offers add-on extra coverage for valuable items, earthquakes, and loss or accidental damage to your possessions.

What is accidental damage on pet insurance?

Accidental damage pet insurance. Accidental damage pet insurance can offer valuable cover if your animal causes damage in another person's home or to their property.

Does pet rent cover damages?

If you charge both pet rent and a pet security deposit, it is important to note that in the case of any damages, the pet rent is what will be used first to cover the cost of those damages. Only if it doesn't cover the cost of all damages are you allowed to use the deposit amount.

What is accidental damage in pet insurance?

Accidental damage pet insurance. Accidental damage pet insurance can offer valuable cover if your animal causes damage in another person's home or to their property.

Do pet deposits cover damage?

Pet deposits are refundable and pet fees aren't. States vary on whether you can even charge pet deposits or pet fees – so please do check your state laws. It doesn't typically cover any damages the pet might cause. If you charge a pet fee, you keep that money whether there's pet damage or not.

What insurance covers bonding?

That means they have a business license, have the proper insurance and have made payments to a surety company for protection by a bond. The insurance company or surety company will be responsible for covering any financial losses. For example: The bond may also cover damage or theft that occurs.

What is covered under pet insurance?

Coverage includes emergencies, hereditary or congenital conditions1, cancer, and chronic conditions. No pet insurance company covers pre-existing conditions, and most plans do not cover wellness visits like annual exams or teeth cleaning.

Is Tesco Pet Insurance Lifetime Cover?

Types of Tesco Dog and Cat Insurance Policies. Tesco offers all four types of pet insurance—Accident Only, Time Limited, Max Benefit and Lifetime, with vet cover ranging from £3,000 up to £10,000. For more information on pet insurance cover in general, please see our article on What Does Pet Insurance Cover in the UK.

Is there pet insurance that covers spaying?

Pet health insurance can help owners to best manage the cost of many vet procedures. The question is, does pet insurance cover neutering or spaying your dog or cat. Technically, insurance companies do not offer this type of coverage to pet owners who have major medical or accident-only plans.

Is Desexing covered in pet insurance?

You will generally have the option to select desexing cover under an accident, illness and routine care pet insurance policy.

What insurance covers Rover?

The Rover Guarantee reimburses members of our community for costs arising from certain injuries to the Rover pet or resident pet that occur during a service booked and paid through Rover. Coverage does not include: Damage to the sitter or dog walker's property.

Does immunization cover insurance?

You may be eligible for preventive services including coverage for vaccines. Most insurance companies are now required to cover the cost of immunizations and preventive care, but a select number of older and more limited plans don't yet apply to the new law.

Is there pet insurance that covers dental?

The pet dental insurance that comes with the more comprehensive pet insurance plans doesn't cover teeth cleaning. While many of the insurance companies only cover dental care associated with accidents, you may find that others offer coverage for periodontal disease and extractions in addition to fractures and injuries.

Is ice covered by food stamps?

Yes, you can use your Supplemental Nutrition Assistance Program (SNAP) benefits to buy crushed or block ice. See also: Are drinks (e.g. hot coffee, tea, fountain drinks, slushies, iced coffee, coffee, or smoothies) eligible for purchase with SNAP benefits?

Is PediaSure covered by food stamps?

Supplemental Nutrition Assistance Program (SNAP) Formerly known as the “food stamp” program, SNAP participants can use their benefits to purchase PediaSure products. Click to learn more.

Is More Than pet insurance lifetime cover?

With Premier, our lifetime policy, your pet is covered for injuries and illnesses (including one-off, reoccurring and ongoing) up to your chosen vet fees limits, as long as you renew each year and there's no break in cover.

Does a pet deposit cover carpet damage?

The common assumption is that a pet will cause damage. A good agreement for the landlord will require that damages be covered by a pet deposit/fee and subsequently satisfied by the apartment deposit.

Does HO 3 policy cover flood damage?

It covers all the perils mentioned in the HO-2, or "broad form," policy — but it also goes further than that. Because an HO-3 doesn't limit coverage only to named perils, it often can provide more financial protection than an HO-2. Earthquakes and floods are generally excluded from coverage on most HO-3 policies.

Does insurance cover dog bites?

Homeowners and renters insurance policies typically cover dog bite liability legal expenses, up to the liability limits (typically $100,000 to $300,000). If the claim exceeds the limit, the dog owner is responsible for all damages above that amount.

Does insurance cover dental work?

Dental insurance is a lot like car insurance, you can pick and choose the coverages your policy will include. Cosmetic dentistry is the term used to refer to procedures that can make the teeth look better, but may not be medically necessary, so often, these procedures are not covered in dental benefits plans.