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Important Dental Insurance Facts Allegan MI

The bottom line is the amount of the dental insurance premium. If the dental insurance premium is more than you can afford, perhaps you can tailor the dental plan to fit you.

Christopher Mollan
31700 Middlebelt Road
Farmington Hills, MI
Company
Title: LPL Financial Advisor
Company: LPL Financial
Type
Registered Investor: Yes
Education
Michigan State University Bachelors of Arts, Business
Years Experience
Years Experience: 7
Service
IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Medicare Planning,Retirement Planning,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Fee-Only Comprehensive Financial Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Alternative Investments,Annuities,Alternative Asset Class Planning,Commission-Only Financial Planning (Full Disclosure),Planning For Personal Finances & Budgeting,Retirement Income

Data Provided by:
Gary Stec
13854 Lakeside Circle
Sterling Heights, MI
Company
Title: Safe Money Specialist
Company: ISMG
Service
Wealth Management,Disability Insurance,Retirement Planning,Business Succession & Liquidation Planning,Retirement Income Accumulation Planning,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Medicaid,Annuities,Annuity Ideas & Strategy Planning,Retirement Income Distribution Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Alternative Investments,Life Insurance,Alternative Asset Class Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Pension for Highly

Data Provided by:
Jeffrey Doud
2401 W. Big Beaver Rd
Troy, MI
Company
Title: Financial Advisor
Company: Wells Fargo Advisors, LLC
Service
Health Care Insurance,Retirement Planning,Long-Term Health Care Planning,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Disability Insurance,Annuities,Alternative Asset Class Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Fee-Only Comprehensive Financial Planning,High Yield Bank Accounts,401k

Data Provided by:
Gene Wittstock
4793 Berkshire Drive
Sterling Heights, MI
Company
Company: Wittstock Financial and Associates
Education
Walsh College of Accountancy and Business Administration, Michigan; MSF (Master of Science in Finance )
William Tyndale College, Michigan; BA in Psychology and Business Administration
Years Experience
Years Experience: 12
Service
401k Rollover From Employer,Income for Life/ Preserve Principal,Alternative Investments,Life Insurance,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Hourly Financial Planning Engagements,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Health Care Insurance,Retirement Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Plannin

Data Provided by:
Jeffrey Smith
20750 Mack Avenue
Grosse Pointe Woods, MI
Company
Title: President
Company: Woodworth Financial
Type
Investment Advisor Rep: Yes
Service
Alternative Asset Class Planning,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Fee-Only Comprehensive Financial Planning,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Hourly Financial Planning Engagements,Health Care Insurance,Retirement Planning,Real

Data Provided by:
Gene Wittstock
2000 Town Center
Southfield, MI
Service
Business Income Tax Planning,Fee-Only Comprehensive Financial Planning,Captive Insurance,Life Settlements,Pension for Highly Compensated Owners,Stock Market Alternative,Reverse Mortgage,Medicare Planning,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 Po

Data Provided by:
Anthony Agbay
1450 W. Long Lake Road
Troy, MI
Company
Title: Senior Vice President - Investments
Company: The Agbay Group, A Wealth Advisory Company
Type
Investment Advisor Rep: Yes
Education
Drexel University, BS Finance
Years Experience
Years Experience: 15
Service
Fee Only Portfolio Management,401k Rollover From Employer,Income for Life/ Preserve Principal,Alternative Investments,Life Insurance,Investment & Portfolio Management,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Accumulation Planning,Business Income Tax Planning,Fee-Only Comprehensive Financial Planning,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Health Care Insurance,Retirement Planning,Long-Term Health Car

Data Provided by:
James Quayle
116 North Fourth Avenue
Iron River, MI
Company
Title: Financial Associate
Company: Great Lakes Group Of Thrivent Financial
Service
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,Captive Insurance,Life Settlements,Pension for Highly Compensated Owners,Stock Market Alternative,Reverse Mortgage,Medicare Planning,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Mana

Data Provided by:
Matthew Boersen
4125 Embassy Dr
Grand Rapids, MI
Company
Company: Capstone Financial
Type
Investment Advisor Rep: Yes
Education
Grand Valley State University
Allendale MI
Service
Income for Life/ Preserve Principal,Alternative Investments,Health Care Insurance,Retirement Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Portfolio Engineering,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Disability Insurance,Annuities,Long-Term Health Care Planning,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Pr

Data Provided by:
Yasmin Elrada
22200 Ford Rd
Dearborn Heights , MI
Company
Title: President, Financial Advisor
Company: LPL Financial
Service
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,Captive Insurance,Life Settlements,Pension for Highly Compensated Owners,Stock Market Alternat

Data Provided by:
Data Provided by:

Important Dental Insurance Facts

Provided By: 

Questions about Dental Insurance

What to Ask about Managed Care

How do I choose a dental insurance policy?
This is a big question. If you are shopping for dental insurance on your own you will have a wide range of factors to consider. Even if your employer provides you with dental insurance you may have multiple dental plans to choose from. How do you decide what's right for you?

The most important thing is to ask yourself the right questions to ensure your dental insurance is adequate:

Can I afford this dental insurance?
The bottom line is the amount of the dental insurance premium. If the dental insurance premium is more than you can afford, but you are still interested, perhaps you can tailor the dental plan to fit you. Are there options to insure only large dental procedures? In some cases you can get a 'discount' dental insurance? If your family is in good health you could gamble that a discount dental plan is all you need.

Dental insurance through an employer is an ideal scenario. Group dental insurance provided through an employer is generally much cheaper.

What am I expected to pay for dental insurance?
It's not just about the dental insurance premiums you pay. It's also about the costs which you have to cover. What is the deductible? What percentage of the dental procedure (minus deductible) will I be reimbursed? Does the dental insurance plan only pay for the least expensive alternative treatment (known as LEAT coverage)? To what extent are preventative services covered by dental insurance? What happens in an emergency? What type of routine care is covered by dental insurance? These are also important considerations especially if you or your family members are frequent users of health care services.

Does this dental insurance plan cover the services I (or my family) use?
Not all dental insurance plans cover preventative dentistry. If you'd rather take action before you have to get that root canal, check your coverage.

Dental insurance plans may also restrict your ability to change Dentists, see Dentists outside of the plan or get access to dental specialists. If you are limited to a Dental Specialist from a particular list you must be comfortable with that? Read the fine print on your dental insurance policy.

Will the dental insurance plan provide for regular dental exams and cleanings which are frequent enough for the care of your teeth? What about x-rays? Does this dental insurance plan cover crowns, braces, root canals, oral surgeries and treatment of periodon'tal disease? If you have any pre-existing dental conditions is there any exclusion period?

Is this a dental insurance plan I can live with?
It's up to you to do some research. Dental insurance is important to you and your family day in and day out. It may be costly or inconvenient to change dental insurance plans. So, check everything out.

You want a dental insurance company that's stable. It's not in your best interest to f...

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