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Individual Dental Insurance & Group Dental Insurance Plans Dacula GA

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.

Harold Lundy
1091 Ashland Drive
Statham, GA
Company
Company: Lundy Insurance Group, Inc.
Service
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Data Provided by:
Claiborne's Consultation Service for Senior Health Plans, LLC
(770) 680-2726
4850 Sugarloaf Pkw Ste 209-159
Lawrenceville, GA
 
David C Cloud & Associates
(770) 935-0330
4485 Tench Rd Ste 210
Suwanee, GA
 
Harris Medical Associates
(770) 497-9685
1180 Satellite Boulevard, Suite 200
Suwanee, GA
 
413 Insurance Services, LLC
(770) 965-6221
5634 Atlanta Hwy Ste. 1000
Flowery Branch, GA
 
Aflac
(770) 374-1347
368 West Pike Street
Lawrenceville, GA
 
AffordableFamilyPlans.com
(800) 819-7853
PO Box 1975
Loganville, GA
 
Ameriplan USA
(888) 894-0802
P O Box 392544
Snellville, GA
 
Absolute I nsurance Brokers
(770) 965-8445
5914 Nachoochee Tr.
Flowery Branch, GA
Prices and/or Promotions
We shop many insurance carriers to get lowest premiums for you!!

Markel Insurance Services
(770) 982-7051
3100 Five Forks Trickum Rd., SW
Lilburn, GA
Prices and/or Promotions
Affordable Georgia Health Insurance

Data Provided by:

Individual Dental Insurance & Group Dental Insurance Plans

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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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