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Individual Dental Insurance & Group Dental Insurance Plans Anoka MN

For a dental insurance company this is a big plus. They can afford to offer you a lower dental insurance premium because you are less likely to cost them as much money. Unfortunately, if you are applying for dental insurance coverage on your own the dental insurance company doesn't have that same assurance - and so the premiums you pay will reflect this.

Nathan Running
4021 Vernon Ave South
Saint Louis Park, MN
Company
Title: Wealth Advisor
Company: Running Wealth Management, Inc.
Type
Investment Advisor Rep: Yes
Education
Montana State University, BS Business Management and Economics
Years Experience
Years Experience: 12
Service
Life Insurance,Investment & Portfolio Management,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Retirement Income Distribution Planning,Individual Income Tax Planning,Disability Insurance,Retirement Planning,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Fee-Only Comprehensive Financial Planning,Medicare Planning,Annuities,Alternative Asset Class Planning,Commission-Only Financial P

Data Provided by:
Terry Nelson, CFP MS
1957 Lake Street
Roseville, MN
Company
Title: CFP, Investment Advisor
Company: Hometown Financial Planning
Type
Registered Investor: Yes
Education
College for Financial Planning - Masters Degree
MSU - BA in Finance
Eau Claire - Law Enforcement
Years Experience
Years Experience: 24
Service
Annuity Ideas & Strategy Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Fee-Only Comprehensive Financial Planning,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Medicare Planning,Life Insurance,Investment & Portfolio Management,Investment Consulting & Allocation Design,Planning For Personal Finances & Budgeting,Asset Protection Strategies & Planning,Hourly Financial Planning Engagements,401k Rollover From Employer,Income for Life/ Preserve Princip

Data Provided by:
R. Brook Hansen
11132 Commerce Lane North
Champlin, MN
Company
Title: CLU ChFC AEP
Company: Select Client Services
Type
Investment Advisor Rep: Yes
Education
American College of Financial Services
Years Experience
Years Experience: 15
Service
Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Annuity Ideas & Strategy Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Life Settlements,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Disability Insurance,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Accumulation Planning,4

Data Provided by:
Gibbs, Herb - State Farm Insurance Agent
(651) 484-7291
2724 N Rice Street
St. Paul, MN
 
Sterling Health Plans
(763) 546-8400
8441 Wayzata Blvd., Ste. 100
Golden Valley, MN
 
Roger Mathwig
2324 Rivendell Lane
Minnetonka, MN
Company
Title: Financial Advisor
Company: Mathwig Insurance Agency
Years Experience
Years Experience: 50
Service
401k Rollover From Employer,CD Alternative,Disability Insurance,Annuities,Commission-Only Financial Planning (Full Disclosure),Estate Tax Planning,Asset Protection Strategies & Planning,Life Settlements,Income for Life/ Preserve Principal,Medicaid,Life Insurance,Long-Term Health Care Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,IRA, 401k, Roth IRA, QDRO Rollovers,Medicare Planning,Health Care Insurance,Retirement Planning,Annuity Ideas & Strategy Pl

Data Provided by:
Lisa Schurhammer
1700 2nd Ave No
Sauk Rapids, MN
Company
Title: President
Company: Retirement America, LLC
Type
Investment Advisor Rep: Yes
Service
Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Asset Protection Strategies & Planning,Hourly Financial Planning Engagements,Medicare Planning,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirement Income Accumulation Planning,Individual Income Tax Planning,Wealth Management,Annuities,Alterna

Data Provided by:
John G Griep Ins Agcy Inc - State Farm Insurance Agent
(651) 698-0703
551 Snelling Avenue S
St. Paul, MN
 
Creative Health Care Management, Inc.
(952) 854-9015
1701 American Blvd. E., Ste. 1
Bloomington, MN
 
M & M Insurance Broker
(651) 895-2589
29850 Haileys Court
Chisago City, MN
 
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Individual Dental Insurance & Group Dental Insurance Plans

Provided By: 

Group Dental Insurance and Individual Dental Insurance

For starters, let's get one thing straight. It's always you who has the dental insurance coverage (This includes your family, as long as you purchase the right dental coverage). However, you can have dental insurance as part of a group. This is group insurance. The advantage is that, as part of a group, the risk to the dental insurance company is spread over the group. Normally, this means that you pay less than what you would pay for individual dental insurance. That's why group coverage is so popular.

So, with group dental insurance you are still covered as an individual (or family), but the risk to the dental insurance company is spread around the group. However, another reason that the dental insurance is usually cheaper is that a group guarantees the dental insurance company more business. Anything that reduces their risk or increases the amount of money they collect in premiums, means savings to you.

Even for very tiny groups, group dental insurance policies are often subject to different rules are more competitive and offer lower prices than individual dental insurance. As a member of a group the dental insurance company basically considers you 'pre-qualified' and that reduces their risk.

For instance, if you get dental insurance through your job that means you are healthy enough to work. Your teeth looked good enough (on the outside) to pass the interview process. For a dental insurance company this is a big plus. They can afford to offer you a lower dental insurance premium because you are less likely to cost them as much money. Unfortunately, if you are applying for dental insurance coverage on your own the dental insurance company doesn't have that same assurance - and so the premiums you pay will reflect this.

So, it's well worth it to find a group - whether it is through an alumni association, a trade association or through a professional association.

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