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Something else with dental and vision, a lot of times, the health insurance carriers who offer dental and vision plans will allow you at renewal time, for example, an extra discount off the health insurance premium if you’re offering dental and vision plans. So let’s just say an insurance carrier is going to offer two and a half percent off the medical premium to offer dental and vision.

And if you pay five million dollars in medical premiums, that can be a lot of money. So always try to package those if you can, especially during a tough renewal for your medical plans.