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Individual Dental Insurance & Group Dental Insurance Plans Fairfield OH

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.

Roger Radcliff
10386 Giverny Blvd.
Cincinnati, OH
Type
Investment Advisor Rep: Yes
Service
IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Disability Insurance,Retirement Planning,Investment Consulting & Allocation Design,Estate Tax Planning,Asset Protection Strategies & Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Medicaid,Annuities,Long-Term Health Care Planning,Insurance & Risk Management Planning,Retirement Income Accumulation Planning,Stock Market Alternative,Medicare Planning,Life Insurance,Investment & Portfolio Management,Annuity Ideas & Strategy

Data Provided by:
S T International
(513) 619-1514
6125 Commerce Court
Cincinnati, OH

Data Provided by:
Girindus America Inc.
(513) 679-3000
8560 Reading Road
Cincinnati, OH

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Akebia Therapeutics Inc.
(513) 618-0931
10151 Carver Road
Cincinnati, OH

Data Provided by:
Donald Waterbury
3663 Ebenezer Rd
Cincinnati, OH
Service
Wealth Engineering,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Alternative Investments,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 Ins

Data Provided by:
Skilled Care Pharmacy
(513) 459-7455
6175 Hi Tek Court
Mason, OH

Data Provided by:
Patheon Pharmaceuticals Inc.
(513) 948-9111
2110 East Galbraith Road
Cincinnati, OH

Data Provided by:
BioRx, LLC
(513) 792-7080
10828 Kenwood Road
Cincinnati, OH

Data Provided by:
Barr Pharmaceuticals
(513) 731-9900
5040 Duramed Drive
Cincinnati, OH

Data Provided by:
Pack Pharmacy
(513) 871-7770
2114 Madison Road
Cincinnati, OH

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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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