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Individual Dental Insurance & Group Dental Insurance Plans Durango CO

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.

Scott Nelson, CFP
5445 DTC Parkway
Greenwood Village, CO
Company
Title: Certified Financial Planner
Company: Presidential Brokerage, Inc.
Type
Investment Advisor Rep: Yes
Education
University of Nevada, Reno / MS-Economics
University of Delaware / BS-Business Management
Years Experience
Years Experience: 24
Service
Portfolio Engineering,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Alternative Investments,Life Insurance,Investment & Portfolio Management,Investment Consulting & Allocation Design,Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Fee-Only Comprehensive Financial Planning,Fee Only Portfolio Management,401k Rollover From Employer,Income for Life/ Preserve Principal,Wealth Management,Disability Insurance,Retirement Planni

Data Provided by:
Don Leander, CFP
5145 Hopner Court
Colorado Springs, CO
Company
Title: CFP
Company: Financial Planning Strategies
Service
Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Alternative Investments,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Business Income Tax Planning,Fee-Only Comprehensive Financial Planning,High Yield Bank Accounts,401k Rollover From Employer,Income for Life/ Preserve Principal,Wealth Management,Disability Insurance,Annuities,Alte

Data Provided by:
Gary Kennington
7015 West 62nd Ave.
Arvada, CO
Company
Title: Financial Retirement Specialist
Years Experience
Years Experience: 20
Service
Medicaid,Annuities,Insurance & Risk Management Planning,Medicare Planning,Life Insurance,Annuity Ideas & Strategy Planning,Asset Protection Strategies & Planning,Health Care Insurance,Retirement Planning,Retirement Income Distribution Planning

Data Provided by:
Oreskovich Dental Clinic
(719) 542-8182
11 Pueblo Blvd Way
Pueblo, CO
 
First American Heritage Title Company
(303) 446-2555
1600 Stout Street, Suite 800
Denver , CO
 
Gregory Scott
16 Inverness Place East
Englewood, CO
Service
Disability Insurance,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,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

Data Provided by:
Perry Neva
1427 Glencoe St.
Denver, CO
Service
Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,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,Capt

Data Provided by:
Will Killhour III
501 South Cherry Street
Denver, CO
Company
Company: Waddell & Reed
Service
Income for Life/ Preserve Principal,Alternative Investments,Life Insurance,Investment & Portfolio Management,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Fee Only Portfolio Management,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Health Care Insurance,Retirement Planning,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finance

Data Provided by:
Jim Beck Dentistry
(719) 543-9797
1700 N. Salem Avenue
Pueblo, CO
 
LIFEHEALTH
(303) 730-1902
5554 S. Prince St. #131
Littleton, CO
 
Data Provided by:

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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