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Dental Plans vs. Dental Insurance Durango CO

Well, you can consider a dental discount plan. A dental discount plan is NOT insurance. In fact, it is more like being a member of a group-buying club. Fundamentally, what you get is a discount on your dental services. With the power of the group behind them, the founders of such plans have negotiated a reduced fee for service with dentists who are part of the discount plan. Dentists in the plan will consider this lower fee to be equivalent to payment in full.

Perry Neva
1427 Glencoe St.
Denver, CO
Service
Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,Portfolio Engineering,High Yield Bank Accounts,401k Rollover From Employer,Income for Life/ Preserve Principal,Wealth Management,Medicaid,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Business Income Tax Planning,Fee-Only Comprehensive Financial Planning,Capt

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Scott Nelson, CFP
5445 DTC Parkway
Greenwood Village, CO
Company
Title: Certified Financial Planner
Company: Presidential Brokerage, Inc.
Type
Investment Advisor Rep: Yes
Education
University of Nevada, Reno / MS-Economics
University of Delaware / BS-Business Management
Years Experience
Years Experience: 24
Service
Portfolio Engineering,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Alternative Investments,Life Insurance,Investment & Portfolio Management,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Fee-Only Comprehensive Financial Planning,Fee Only Portfolio Management,401k Rollover From Employer,Income for Life/ Preserve Principal,Wealth Management,Disability Insurance,Retirement Planni

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Gregory Scott
16 Inverness Place East
Englewood, CO
Service
Disability Insurance,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,Portfolio Engineering,High Yield Bank Accounts,401k Rollover From Employer,Income for Life/ Preserve Principal,Wealth Management,Medicaid,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning

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Optimal Chiropractic
(720) 855-0799
9464 N. Federal Blvd.
Westminster , CO
 
Planet Fitness
(303) 423-1605
9120 Wadsworth Parkway Suite 100
Westminster , CO
 
Gary Kennington
7015 West 62nd Ave.
Arvada, CO
Company
Title: Financial Retirement Specialist
Years Experience
Years Experience: 20
Service
Medicaid,Annuities,Insurance & Risk Management Planning,Medicare Planning,Life Insurance,Annuity Ideas & Strategy Planning,Asset Protection Strategies & Planning,Health Care Insurance,Retirement Planning,Retirement Income Distribution Planning

Data Provided by:
Don Leander, CFP
5145 Hopner Court
Colorado Springs, CO
Company
Title: CFP
Company: Financial Planning Strategies
Service
Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Alternative Investments,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Business Income Tax Planning,Fee-Only Comprehensive Financial Planning,High Yield Bank Accounts,401k Rollover From Employer,Income for Life/ Preserve Principal,Wealth Management,Disability Insurance,Annuities,Alte

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Will Killhour III
501 South Cherry Street
Denver, CO
Company
Company: Waddell & Reed
Service
Income for Life/ Preserve Principal,Alternative Investments,Life Insurance,Investment & Portfolio Management,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Fee Only Portfolio Management,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Health Care Insurance,Retirement Planning,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finance

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Tri-County Health Department
(720) 322-1509
4201 E. 72 Ave. Ste. D
Commerce City , CO
 
Bradburn Village Dentistry
(303) 466-3222
11961 Bradburn Blvd.
Westminster , CO
 
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Dental Plans vs. Dental Insurance

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Dental Plans vs. Dental Insurance

If you don't have insurance through your employer, or are self-employed, you may be struggling with getting a reasonably priced dental insurance plan. The costs of an individual policy can be quite high and the coverage is likely to be less than you'd get with any group plan or employer plan.

What are your options?

Well, you can consider a dental discount plan. A dental discount plan is NOT insurance. In fact, it is more like being a member of a group-buying club. Fundamentally, what you get is a discount on your dental services. With the power of the group behind them, the founders of such plans have negotiated a reduced fee for service with dentists who are part of the discount plan. Dentists in the plan will consider this lower fee to be equivalent to payment in full. You will get that discount on the spot. You don't have to wait for reimbursement from your insurance. You don't have co-payments or deductibles to worry about.

For the price of a yearly membership, you will have the right to use any dentist who is part of the group-buying club. You'll only pay for the dental services you actually use, as opposed to paying an insurance premium that often assumes that you'll make a certain use of dental services.

Another benefit is that your membership fee is usually lower than the cost of your yearly insurance premiums.

What are your options? Well, if you are making use of high-priced dental services, the discounts may not save you as much as having insurance would have. Also, since you pay as you go with dental discount plans, if you have a particularly challenging year and there are a lot of dental services to pay, you'll be paying a lot more out of pocket. Insurance tends to soften the impact of a bad year much more than a dental discount plan would.

Insurance will often either prevent you from making payments up front or it will reimburse you more afterwards. Further, the services that are most often...

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