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Individual Dental Insurance & Group Dental Insurance Plans Leland NC

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.

Coastal Hearing Solutions
(910) 799-4327
2316 S. 17th Suite 160
Wilmington, NC
 
LifeStyle Financial Resoures, LLC
(910) 620-5873
PO Box 7096
Wilmington, NC
 
Blue Cross Blue Shield NC, New Hanover Farm Bureau
(910) 297-7592
1303 Independence Blvd
Wilmington, NC
 
Schnitzer-Slate Insurance Agency
(910) 392-7020
5725 Oleander Dr # G3
Wimlington, NC
 
Navistar Group - Individual & Family Health Insurance Specialists
(910) 262-5194
Serving Wilmington Carolina Beach and Surrounding Area
wilmington, NC
 
Pinnacle Benefits Group of NC Inc.
910-256-2222 x 100
PO Box 1424
Wrightsville Beach, NC
 
Davis Insurance Group
(910) 392-5173
2002 Eastwood Rd. Suite 302
Wilmington, NC
 
SJ Davis & Associates
(910) 392-5173
2002 Eastwood Rd
Wilmington, NC
 
Affordable Health Insurance
(910) 617-3636
4608 Cedar Ave Suite 107
Wilmington, NC
 
Wilmington Insurance Quotes.com
(910) 228-8352
5611 Wood Duck Circle
Wilmington, NC
 

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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