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Individual Dental Insurance & Group Dental Insurance Plans Sapulpa OK

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.

Insphere Insurance Solutions
(918) 519-1017
1915 W C St.
Jenks , OK
 
United American Insurance Company.
(918) 766-6125
4821 South Sheridan Suite 226
Tulsa, OK
 
United American Insurance Company.
(918) 766-6125
4821 South Sheridan Suite 226
Tulsa, OK
 
Bass Insurance Agency
(405) 340-7396
2 E 11th suite 206
Edmond, OK
 
Oklahoma Health and Life Insurance
(405) 409-7884
4013 NW Expressway
Oklahoma City, OK
 
ANCHOR INSURANCE AGENCY
(918) 688-6978
5810 E. SKELLY DR. STE. 620
TULSA, OK
 
James Oplotnik
3621 Northwest 63rd St
Oklahoma City, OK
Company
Title: President
Company: Access Advisory Group LLC
Type
Investment Advisor Rep: Yes
Registered Investor: Yes
Years Experience
Years Experience: 24
Service
Asset Protection Strategies & Planning,Individual Income Tax Planning,Medicaid,Life Insurance,Investment & Portfolio Management,Long-Term Health Care Planning,Annuity Ideas & Strategy Planning,Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Business Income Tax Planning,Fee-Only Comprehensive Financial Planning,Medicare Planning,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insuranc

Data Provided by:
Insphere Insurance Solutions
(918) 519-1017
1915 W C St.
Jenks , OK
 
Delivering on the Promise
(405) 651-9090
mustang
mustang, OK
 
ANCHOR INSURANCE AGENCY
(918) 688-6978
5810 E. SKELLY DR. STE. 620
TULSA, OK
 
Data Provided by:

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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