Articles Editor's Blog Reader Mail

Individual Dental Insurance & Group Dental Insurance Plans Peoria AZ

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.

Arrowhead Insurance LLC
(623) 572-0032
20229 N. 67th Ave.
Glendale, AZ
 
AnCap Insurance
(602) 943-2586
8802 N Fourth St
Phoenix, AZ
 
American Dental Plan
(602) 265-6677
1645 E. Bethany Home Rd.
Phoenix, AZ
 
Pleasant Pediatrics PLC
(623) 322-3380
9059 W Lake Pleasant Pkw E540
Peoria, AZ
 
All About Breastfeeding
(623) 362-2511
9171 W. Harmony Lane
Peoria, AZ
 
Blue Cross Blue Shield of Arizona
(602) 864-4400
2444 W Las Palmaritas Dr.
Phoenix, AZ
 
Integrity Outsource LLC
(602) 952-5500
2201 E. Camelback Suite 123
Phoenix, AZ
 
Michael Cross
3875 N. 44th Street
Phoenix, AZ
Company
Title: Investment Advisor Representative
Company: Cross Financial
Type
Investment Advisor Rep: Yes
Education
Arizona State University
Years Experience
Years Experience: 13
Service
Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Fee-Only Comprehensive Financial Planning,401k Rollover From Employer,CD Alternative,Disability Insurance,Annuities,Alternative Asset Class Planning,Commission-Only Financial Planning (Full Disclosure),Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Business Income Tax Planning,Fee Only Portfolio Management,Income for Life/ Preserve Princi

Data Provided by:
Ultimate Urgent Care Centers, LLC
(623) 376-8822
7727 W Deer Valley Rd.
Peoria, AZ
 
Farm Bureau Financial Svcs. & Ins.
(623) 889-7420
7992 W Thunderbird Rd Ste C
Peoria, AZ
 
Data Provided by:

Individual Dental Insurance & Group Dental Insurance Plans

Provided By: 

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.

Don't forget to check out...

Click here to read the rest of this article from Insurance Guide 101

About Us | Contact Us | Link to Us | Privacy Policy | Terms of Use | Insurance Resources | Sitemap