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Dental Plans vs. Dental Insurance Wilmington DE

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.

Jeff Bonifacino
1521 Concord Pike
Wilmington, DE
Company
Title: Financial Advisor
Company: Rockwell Associates
Years Experience
Years Experience: 26
Service
Wealth Engineering,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Health Care Insurance,Retirement Planning,Long-Term Health Care Planning,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Portfolio Engineering,401k Rollover From Employer,Income for Life/ Preserve Principal,Disability Insurance,Annuities,Real Estate Investment Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulatio

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Keith Al-Chokhachy, Certified Financial Planner(tm)
2751 Centerville Road
Wilmington, DE
Company
Title: Certified Financial Planner"
Company: Morgan Stanley Smith Barney
Years Experience
Years Experience: 8
Service
Captive Insurance,Life Settlements,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Hourly Financial Planning Engagements,Fee Only Portfolio Management,Wealth Engineering,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rol

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Medisweans
(302) 295-8298
501 Silverside Rd, Suite 105
Wilmington, DE
 
Benepath, Inc.
(866) 368-0377
3553 West Chester Pike, 166.
Newtown Square, PA
 
Keith Al-Chokhachy, Certified Financial Planner(tm)
2751 Centerville Road
Wilmington, DE
Company
Title: Certified Financial Planner"
Company: Morgan Stanley Smith Barney
Years Experience
Years Experience: 8
Service
Captive Insurance,Life Settlements,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Hourly Financial Planning Engagements,Fee Only Portfolio Management,Wealth Engineering,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rol

Data Provided by:
Bill Curry
1521 Concord Pike
Wilmington, DE
Company
Company: Curry Poole Group, LLC
Type
Investment Advisor Rep: Yes
Registered Investor: Yes
Education
BS
MBA
JD
Years Experience
Years Experience: 42
Service
Pension for Highly Compensated Owners,Stock Market Alternative,Reverse Mortgage,Medicare Planning,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Hourly Financial Planning Engagements,Portfolio Engineering,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Alternative Investments,Life Insurance,Investment & Portfolio Man

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National Brokers Network
(302) 722-4084
121 Middleboro RD
Wilmington, DE
 
Martin Insurance Agency
(484) 490-5663
Beech Road
Wallingford, PA
 
Bill Curry
1521 Concord Pike
Wilmington, DE
Company
Company: Curry Poole Group, LLC
Type
Investment Advisor Rep: Yes
Registered Investor: Yes
Education
BS
MBA
JD
Years Experience
Years Experience: 42
Service
Pension for Highly Compensated Owners,Stock Market Alternative,Reverse Mortgage,Medicare Planning,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Hourly Financial Planning Engagements,Portfolio Engineering,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Alternative Investments,Life Insurance,Investment & Portfolio Man

Data Provided by:
Jeff Bonifacino
1521 Concord Pike
Wilmington, DE
Company
Title: Financial Advisor
Company: Rockwell Associates
Years Experience
Years Experience: 26
Service
Wealth Engineering,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Health Care Insurance,Retirement Planning,Long-Term Health Care Planning,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Portfolio Engineering,401k Rollover From Employer,Income for Life/ Preserve Principal,Disability Insurance,Annuities,Real Estate Investment Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulatio

Data Provided by:
Data Provided by:

Dental Plans vs. Dental Insurance

Provided By: 

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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