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Individual Dental Insurance & Group Dental Insurance Plans Independence MO

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.

Hagerty Rose & Mcpherron Insurance Agency
(816) 421-1763
106 W 11th St Ste 1250
Kansas City, MO
 
Healthcare Solutions Team
(816) 582-6409
4533 NE Fairway Homes Dr
Lees Summit, MO
 
Fleishman-Hillard Inc.
(816) 474-9407
2405 Grand Blvd., Ste. 700
Kansas City, MO
 
Demasters Insurance
(816) 531-1000
1130 Westport Rd
Kansas City, MO
 
Brooke Insurance
(816) 453-4971
5737 Ne Antioch Rd
Gladstone, MO
 
Brooke Insurance
(816) 421-5155
104 W 9th St Ste 200
Kansas City, MO
 
Children'S Mercy Health Network
(816) 234-3000
215 W Pershing Rd
Kansas City, MO
 
A C Winners Insurance
(816) 965-0800
425 E 63rd St
Kansas City, MO
 
C E K Insurance
(816) 453-8584
2900 Ne 60th St
Kansas City, MO
 
Missouri Health Insurance Pool
(816) 531-6405
3100 Broadway St Ste 210
Kansas City, MO
 

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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