Articles Editor's Blog Reader Mail

Individual Dental Insurance & Group Dental Insurance Plans Coeur D Alene ID

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.

Senior Insurance Benefits
(208) 685-9234
1577 N. Linder Rd.
Kuna, ID
Prices and/or Promotions
Final Expense Life Insurance

Neighbors Insurance
(208) 882-8113
411 N. Almon # 401
Moscow, ID
 
High Valley Dermatology & Dermatologic Surgery
(208) 522-7546
2085 Providence Way
Idaho Falls, ID
 
Regency Blue Shield of Idaho
(208) 234-0020
1175 Call Pl Ste 100
Pocatello, ID
 
Goss - Boise Inc
(208) 343-6107
3101 W Main St
Boise, ID
 
Intermountain Agency
208-344-0022 extension 115
1650 S Albright Lane
Boise, ID
 
Intermountain Agency Inc.
(208) 377-7101
1650 S. Albright Lane
Boise, ID
 
Allen Collins Agency
(208) 237-9183
1219 Yellowstone Ave Ste E
Pocatello, ID
 
Benson David Insurance Inc
(208) 455-2270
Caldwell, ID
 
Clearwater Insurance
(208) 746-6184
3912 21st St
Lewiston, ID
 

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.

Don't forget to check out...

Click here to read the rest of this article from Insurance Guide 101

About Us | Contact Us | Link to Us | Privacy Policy | Terms of Use | Insurance Resources | Sitemap