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Individual Dental Insurance & Group Dental Insurance Plans New Bedford MA

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.

Mid West National Life Insurance of Tennesse
(508) 967-6121
306 Winthrop Suite 118
Taunton , MA
 
Aviva USA
(413) 567-8900
734 Bliss Rd
Longmeadow, MA
 
Dental Wellness
(617) 868-1516
1129 Cambridge Street
Cambridge, MA
 
Ocean Employee Benefits
(508) 265-5350
Ten Prince Place
Newburyport, MA
 
A A M Ltd Co
(413) 567-5060
3 Wenonah Pl
Longmeadow, MA
 
Massachusetts Self Employed Health Insurance
(508) 577-3311
P O Box 433
Hanson, MA
 
Blue Cross and Blue Shield of Massachusetts
(800) 443-6657
175 Federal St
Boston, MA
 
Cambridge Health Alliance
(617) 498-1000
1493 Cambridge Street
Cambridge, MA
 
Midwest and the Alliance
(508) 875-1257
40 Saint Lo Street
Framingham, MA
 
Covidien
(508) 261-8000
15 Hampshire Street
Mansfield, MA
 

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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