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Design dental coverage that works for your employees and your budget with Principal dental insurance.
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Adobe bridge cc 2017 mac download. Personalizing group dental insurance based on your company’s needs is easy with Principal dental insurance. Insurance doesn’t need to be complicated. Here are a few questions to think about when determining the type of coverage that’s right for you and your employees:
Who pays the insurance premium?
Citroen xsara picasso owners handbook free download. You can choose to pay for all, part, or none of the premium with Principal dental insurance. If your budget is tight, employees could pick up the entire cost of premium with voluntary dental insurance.
What dental benefits are you looking for?
We offer Preferred Provider Organization (PPO) designs in all states.1 Pre-paid and Dental Health Maintenance Organization (DHMO) designs are available in select states. Additional options may be available in your state.
What can be customized in the dental coverage?
You select from a wide range of deductibles, coinsurance, and maximums options. Each selection influences the bottom line. For example, a higher deductible comes with a lower premium but more out-of-pocket cost for employees. Only you can determine what’s right for your company.
Large dental network with a nationwide reach
We have one of the largest dental provider networks in the country for your employees’ benefit2. What’s that mean? If you switch to Principal from another carrier, it’s likely fewer employees will need to change their dentists.
What is dental insurance?
It’s no secret that medical care without insurance can be costly. Dental care can be similar. Dental insurance helps pay for all—or a portion—of the costs associated with dental care, from routine cleanings to root canals.
Why offer group dental insurance?
Many employees consider group dental insurance an essential part of their benefits package. As one of the most used group benefits, dental insurance can be a worthwhile investment for helping to attract and retain great talent.
Access to dental insurance also helps employees manage their out-of-pocket costs—and being covered makes it more likely they’ll visit the dentist regularly. That routine, preventive care helps employees avoid dental issues down the road.
How does group dental insurance work?
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Most dental insurance divides dental care into 3 service categories: preventive, basic, and major. The service category determines the percentage of the cost insurance covers. For example, insurance may pay 80% of the cost of a service considered basic care, and the patient would pay for the remaining 20% of the cost.
With Principal dental insurance, routine exams and cleanings are considered preventive care and are covered at 100%—that means the patient may not pay anything for those services. Fillings are an example of basic service, and bridges are an example of major care. For basic and major care, insurance covers a percentage of the cost, and the patient is responsible for the remaining cost.
Key features of Principal dental insurance
From comprehensive dental insurance to lower-cost options, you have the flexibility to personalize your dental insurance for you and your employees. Outlast 2 mac os download. And with multiple price points, it’s easy to create a design to fit a wide range of budgets.
Principal dental insurance offers:
- No waiting period when enrolling during annual enrollment3
- Deductibles waived when satisfied with prior carrier
- Refreshed annual maximum when a group becomes effective
- Mobile app for easy access to benefits, providers and ID cards
Learn more about Principal dental insurance (PDF).
I’m interested in Principal dental insurance. What’s next?
![Free Free](/uploads/1/3/4/3/134335430/900952033.gif)
- Do you know how your dental insurance measures up? See how your company's benefit design measures up with other companies like yours.
- Talk to your advisor about offering group dental insurance. And, consider combining group dental insurance with group vision insurance to offer a comprehensive benefits package.
- Look for in-network dentists in your area with our provider directory. Search now.
1 Redmi note 7 user manual pdf. Indemnity coverage is offered in Montana.
2 October 2017 Strenuus data. Strenuus is a network comparison tool of national competitors.
3 A waiting period may apply for employees previously enrolled who want to re-enroll. Exodus download for kodi 17.
This is an overview of the benefits dental insurance provides, but there are limitations and exclusions. For cost and coverage details, contact your Principal representative. Dental insurance from Principal® is issued by Principal Life Insurance Company, Des Moines, IA 50392. Oregon policy GC 7100-1 (0415).
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Premack's principle, or the relativity theory of reinforcement,states that more probable behaviors will reinforce less probable behaviors.[1][2]
Origin and description of the principle[edit]
The Premack principle was derived from a study of Cebus monkeys by Professor David Premack, but it has explanatory and predictive power when applied to humans, and it has been used by therapists practicing applied behavior analysis. Premack's Principle suggests that if a person wants to perform a given activity, the person will perform a less desirable activity to get at the more desirable activity; that is, activities may themselves be reinforcers. An individual will be more motivated to perform a particular activity if he knows that he will partake in a more desirable activity as a consequence. Stated objectively, if high-probability behaviors (more desirable behaviors) are made contingent upon lower-probability behaviors (less desirable behaviors), then the lower-probability behaviors are more likely to occur. More desirable behaviors are those that individuals spend more time doing if permitted; less desirable behaviors are those that individuals spend less time doing when free to act.
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Just as 'reward' was commonly used to alter behavior long before 'reinforcement' was studied experimentally, the Premack principle has long been informally understood and used in a wide variety of circumstances. An example is a mother who says 'You have to finish your vegetables (low frequency) before you can eat any ice cream (high frequency)'
Experimental evidence[edit]
David Premack and his colleagues, and others have conducted a number of experiments to test the effectiveness of the Premack principle in humans. One of the earliest studies was conducted with young children. Premack gave the children two response alternatives, eating candy or playing a pinball machine, and determined which of these behaviors was more probable for each child. Some of the children preferred one activity, some the other. In the second phase of the experiment, the children were tested with one of two procedures. In one procedure, eating was the reinforcing response, and playing pinball served as the instrumental response; that is, the children had to play pinball in order to eat candy. The results were consistent with the Premack principle: only the children who preferred eating candy over playing pinball showed a reinforcement effect. The roles of responses were reversed in the second test, with corresponding results. That is, only children who preferred playing pinball over eating candy showed a reinforcement effect. This study, among others, helps to confirm the Premack principle in showing that a high-probability activity can be an effective reinforcer for an activity that the subject is less likely to perform. (Domjan, 2010).
An alternative: Response deprivation theory[edit]
Premack's principle may be violated if a situation or schedule of reinforcement provides much more of the high-probability behavior than of the low-probability behavior. Such observations led the team of Timberlake and Allison (1974) to propose the Response Deprivation hypothesis.[3] Like Premack's principle, this hypothesis bases reinforcement of one behavior on access to another. Experimenters observe the extent to which an individual is deprived of or prevented from performing, the behavior that is later made contingent on the second behavior. Reinforcement occurs only when the situation is set up so that access to the contingent response has been reduced relative to its baseline level. In effect, the subject must subsequently increase responding to make up for the 'deprivation' of the contingent response. Several subsequent experiments have supported this alternative to the Premack principle.[citation needed]
Application to applied behavior analysis[edit]
In applied behavior analysis, the Premack principle is also known as 'grandma's rule', which states that making the opportunity to engage in high-probability behavior contingent upon the occurrence of low-frequency behavior will function as a reinforcer for the low-frequency behavior (Cooper et al., 2014). In other words, it takes the idea that if an individual 'first' does the target behavior that is desired, 'then' they get something reinforcing in return. For example, you would say something to a child that may want chocolate candy before dinner something along the lines of 'First eat all of your vegetables, then you can have a chocolate candy.' The high-probability behavior in this scenario is the eating of chocolate candy and the low-frequency behavior is eating the vegetables.
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References[edit]
- ^Jon E. Roeckelein (1998), Dictionary of Theories, Laws, and Concepts in Psychology, Greenwood, ISBN0-313-30460-2 p. 384
- ^Tony Ward; D. Richard Laws & Stephen M. Hudson (2003). Sexual deviance: issues and controversies. SAGE. p. 66. ISBN978-0-7619-2732-7.
- ^Timberlake and Allison, Response deprivation: an empirical approach to instrumental performance, Psychological Review, 1974, 81, 146-164
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Further reading[edit]
- Mitchell, William S.; Stoffelmayr, Bertram E. (1973). 'Application of the Premack principle to the behavioral control of extremely inactive schizrophrenics1'. Journal of Applied Behavior Analysis. 6 (3): 419–23. doi:10.1901/jaba.1973.6-419. PMC1310854. PMID16795424.
- Michael Domjan (2010). The principles of learning and behavior Belmont, CA: Wadsworth.
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