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Individual Dental Insurance & Group Dental Insurance Plans Wichita KS

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.

American Family Insurance
(913) 294-3203
210 N Hospital Dr
Paola, KS
 
Brooks/Taylor and Associates LLC
(913) 940-4870
Olathe, KS
 
Dynasty Financial Group
(913) 837-8439
1007a W Amity St
Louisburg, KS
 
Barb Spencer Agency
(913) 440-0426
105 E Amity St Ste 7
Louisburg, KS
 
Farmers Insurance Group
(913) 755-6907
528 Main Osawatomie
Osawatomie, KS
 
Farm Bureau Financial Service
(913) 294-2737
11 S Pearl St
Paola, KS
 
Personal
001-785-395-5516
1541,International Court
Manhattan, KS
 
Morris And Associates
(913) 294-2111
205 S Pearl St
Paola, KS
 
American Family Insurance - Jeff Sears Agency
(913) 837-3313
901 W Amity St Ste A
Louisburg, KS
 
Allstate Specialty Construction Inc
(913) 783-4874
25606 Old Kc Rd Ste H
Paola, KS
 

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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