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Individual Dental Insurance & Group Dental Insurance Plans Evergreen 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.

KAISER PERMANENTE- KEN CARYL
(303) 338-4545
7600 Shaffer Parkway
Littleton, CO
 
Brown & Brown Insurance of Colorado
(720) 963-4244
7110 W. Jefferson Ave., Suite 100
Denver , CO
 
Associated Agents
(303) 238-7341
1970 Kipling Street
Lakewood , CO
 
West Denver Dentist
(720) 763-9070
7575 West 20th Avenue
Lakewood, CO
 
Carver & Associates
(303) 420-1637
7710 Ralston Rd.
Arvada , CO
 
KAISER PERMANENTE - WADSWORTH, LITTLETON
(303) 972-4500
5257 S. Wadsworth Blvd
Littleton, CO
 
Colorado Health and Life
(303) 997-7189
9242 W Louisiana Avenue
Lakewood , CO
 
Strategic Alliance Financial Group
(303) 870-9142
494 Sheridan Blvd., Suite B-206
Denver , CO
 
New York Life Insurance Company
(303) 548-2586
6850 W 52nd Avenue Suite 200
Arvada , CO
 
LIFEHEALTH
(303) 730-1902
5554 S. Prince St. #131
Littleton, CO
 

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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