Does Dental Insurance Help in Almost Free Dental Care?

Dental care can be very expensive for individuals who do not have dental care insurance. It may require individuals to pay lots of costs or to even start considering options of dental tourism. Dental tourism may involve individuals traveling abroad to get dentist work done for them. Dentistry in other countries may be very cheap as compared to the one you are in. This therefore means that individuals should research on the best country to fly out to to try and get the dental treatment. Insurance from your employer can be very beneficial and will guarantee you cheap dentistry should you need any.

No matter how cheap a dentist visit may be, having insurance is the best option to take. This is because it can guarantee that you receive the best care and individuals can actually get a full check up for almost no cost at all. In this cases your employer will be the one covering your needs although using insurance it will be cheaper than paying for it directly. There are very many insurance companies out there that offer the best dentistry covers. All one needs to do is to ensure that they select the best option from the list. It should be the company that offers a comprehensive cover at the most affordable rate.

Dental insurance can guarantee the best health care system for your oral health. Individuals can always be sure that should anything happen they will definitely have the best treatment available at the right time. Insurance covers all needs and so individuals do not need to fill out the several procedures that individuals who do not have cover have to follow. All individuals need to do is to arrive at the dentists and they will decide what exactly needs fixing as an individual will not be billed for use of the dentist hospital.

Dental insurance guarantees individuals financial health.

Individuals do not necessarily have to wait to save up some cash for dentist system. Financial health in this case is most beneficial because without insurance individuals may have to pay expensive bills that do not even come with discounts. Having to travel long distances may require a lot of planning and in emergency situations it may be unrealistic.

There are very many online sites that can assist individuals to get the best dentist insurance companies. Insurance can be personal or your employer can do the application for you. Individuals can have their best options selected from all the ones that are available online. The companies should however be reliable and have a good reputation before you decide to take a cover with them. Online services can help you see the all the terms and conditions and you can read them out at your own time.

The Need for Product Innovation

Developing new products and launching them in the marketplace can be a difficult, costly and even dangerous business. So why do it? Why not leave well alone and be content with profit from existing products, concentrating effort on expanding sales of these products and finding new markets for them?

One reason is that seizing new opportunities as they emerge is a way to increase profits. (To be first in the field with a successful new product gives one the chance of creaming off large profits before effective competition develops.) But the main reason is that it is dangerous to assume that profits from existing products will continue at present levels for ever. The product life-cycle concept tells us that they will certainly not continue for ever. At different rates, over varying time-scales, all products eventually achieve market saturation and then start to decline. Even while sales volume holds up, profits may well not; and retaining sales volume and profits may call for regular updating of existing products.

For most companies, therefore, a programme of product review and development is essential; and, for all companies, to ignore this area of activity is highly dangerous. A McGraw-Hill study in the United States showed that in 1963 the percentage of sales accounted for by products introduced since 1959 was 28 per cent for transportation, 18 per cent for electrical machinery, and so on, through a whole list of categories. In the consumer goods fields successful new products introduced more recently -include a wide range of increasingly sophisticated computer games, the ‘superglues’ and a whole host of pre-prepared meals for cooking by microwave.

In consumer durables we have seen the successful introduction of video cameras and answering machines, with mobile telephones and fax machines for home use not far behind. Innovative services (intangible products) include direct purchase of insurance by telephone and ‘home banking’.

The most ‘safe’ and inexpensive way to launch a ‘new’ product is modifying an existing product.

New Products from Old

We first need to be clear what is a new product. There are basically three clear kinds of new products:

1. Innovative products which are unique products for which there is a real need, not being met satisfactorily by an existing product. Penicillin when first introduced fell into this category, as did the telephone, the internal combustion engine, and chloroform. We can also describe as innovative those products which, while replacing existing goods that have been satisfying existing markets quite well, offer totally different solutions. Examples would be television partially replacing the cinema and the radio, the zip fastener and later Velcro instead of strings or buttons, and solar power for other energy sources;

2. Adaptive products which offer significantly different variations on existing products: they include such items as instant coffee, freeze-dried foods, self-adhesive wallpaper, and typewriters with a memory. Another kind of variation is represented by package changes, styling modifications, new designs and colours.

3. Imitative products are already being sold by someone else but further sales opportunities exist for an additional brand, with or without minor modifications. The divisions between these categories are obviously very fuzzy. Indeed, some authors have distinguished as many as a dozen different ways in which a product can be ‘new’.

The truly innovative product is rare. Adaptive new products can sometimes necessitate a great deal of new technology and extensive research and development, though a ‘new’ product can often be produced by changes to an existing one. These may range from relatively minor changes, which effectively extend the life-cycle of a product, to much more extensive improvements.

An example quoted by Peter Drucker that covers both is nylon, which was introduced in the U.S.A. by Du Pont and fairly rapidly became the dominant fiber in women’s hosiery. However, once this market was saturated, the growth curve flattened. Du Pont had anticipated this and had developed strategies for providing further increases in sales of nylon stockings by such tactics as the following:

1. Introducing a wider range of colors, leading to an increase in the number of stockings bought by each user and a tendency to wear different colors with different outer garments.

2. Developing new uses, such as stretch stockings and socks. In addition, they moved into other fields such as tyre cord and carpets. In this way nylon sales showed an overlapping series of life-cycle curves, giving a continuing upward trend.

The nylon success story depended both upon changing the product for existing users and making it suitable for whole new markets. Changing products for existing markets can be done in a number of ways, in particular by improvements in quality, features, and/or style.

Product Launches: The 7 Key Mistakes To Avoid When Planning Your Product Launch

In launching my first online product I made some fundamental mistakes which gave me some of my biggest learning’s. In this article I’ll share them with you so that you can make it easier for your clients to engage with you. And you want to more clients’ right?

Mistake #1: No Client Pathway: Leaving the customer confused about how they are going to navigate through your website will only leave them hanging with no place to go or they may just leave. What to do instead: Map out your customer journey. One of the keys to a successful online business is have a clear map of how you customer will engage with you and how your will manage them from being an uninterested visitor to a high revenue client.

Mistake #2: Unclear on the start point. Even if you have the customer journey defined it is important to have a clear view of the start point otherwise how will your prospect know how to get into your website? What to do instead: Define the points, and they could be many, where, and how your prospective customer will enter your website.

Mistake #3: No customer Engagement Events: I made the mistake of having people “optin2 to my mailing list and then didn’t know what to do with them. What to do instead: Define the customer interaction events that will create value for your customer, keep them engaged with you and provide them with an enhanced journey.

Mistake #4: No Automation. My first foray into the online world left me tired and running on empty from the effort that was necessary to keep pace with multiple marketing channels. What to do instead: Create an automated funnel, to market your product, inform and educate your audience as well as keeping them engaged.

Mistake #5: No Product to sell. I made the mistake of attending networking meetings and “selling” Project Management to an uninterested audience. I realised that clients are reluctant to buy open-ended services from a website and selling a service is infinitely harder than a product. What to do instead: Create a product strategy for each area of your business with a clear process to move your customer up to your high-end programme.

Mistake #6: Perfection. My fear of launching my product led to procrastination and the pursuit of perfection followed. What to do instead: Take action and get your material out there and learn from it – you will learn more from the feedback that seeking perfection.

Mistake #7: Focus on the wrong end of the problem: Many online marketers focus on getting the customer to “optin” with little thought for what comes next. Imagine going on a journey and you haven’t worked out what your destination is. What to do instead: Focus on the outcome, the destination is the most important aspect of the plan.