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requently Asked Dental Insurance Questions Havelock NC

While it can be difficult to find the money for dental insurance premiums you will now have to pay the full premium for your insurance. You've lost the employer contribution when you lost your job. However, the premium on group dental insurance is much lower than individual insurance - so you will benefit by maintaining your group dental insurance coverage.

Ron Hughes
580 malcomb blvd.
Rutherford College, NC
Service
Medicaid,Annuities,Annuity Ideas & Strategy Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Medicare Planning,Life Insurance,Commission-Only Financial Planning (Full Disclosure),Planning For Personal Finances & Budgeting,Retirement Income Accumulation Planning,Health Care Insurance,Retirement Planning,Insurance & Risk Management Planning,Retirement Income Distribution Planning

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Peter D'Arruda, RFC
1135 Kildaire Farm Road
Cary, NC
Company
Title: President & CEO
Company: Capital Financial Advisory Group. LLC
Type
Investment Advisor Rep: Yes
Registered Investor: Yes
Education
UNC-Chapel Hill
Years Experience
Years Experience: 18
Service
Hourly Financial Planning Engagements,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Medicare Planning,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,High Yield Bank Accounts,401k Rollover From Employer,Income for Life/ Preserve Principal,Alternative Investments,Life Insurance,Investment & Portfolio Man

Data Provided by:
Rick White, RFC
8317 Six Forks Road
Raleigh, NC
Company
Title: Registered Financial Consultant
Company: American Planning Group, Inc.
Education
Marietta College/BA
College For Financial Planning/1 year
Years Experience
Years Experience: 32
Service
Life Settlements,Pension for Highly Compensated Owners,Stock Market Alternative,Reverse Mortgage,Medicare Planning,Health Care Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Hourly Financial Planning Engagements,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Alternative Investments,Disa

Data Provided by:
John Medwin
1120 Old Ridge Rd.
East Bend, NC
Company
Title: Retirement Specialist
Company: Medwin & Associates
Education
Gardner Webb University
Years Experience
Years Experience: 15
Service
Stock Market Alternative,Wealth Management,Life Insurance,Long-Term Health Care Planning,Estate Tax Planning,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Medicare Planning,Retirement Planning,Insurance & Risk Management Planning,Education Funding & Financial Aid Planning,401k Rollover From Employer,Income for Life/ Preserve Principal,Alternative Investments,Annuities,Annuity Ideas & Strategy Planning,Asset Protection Strategies & Planning

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Benefit Partners, Inc.
(704) 867-3628
1536-A Union Road
Gastonia, NC
 
Guiseppi Morabito, CRPS
3737 Glenwood Avenue, Suite 100
Raleigh, NC
Company
Company: J.P. Turner & Company Capital Management, LLC
Type
Investment Advisor Rep: Yes
Service
Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirement Income Distribution Planning,Education Funding & Financial Aid Planning,Hourly Financial Planning Engagements,Disability Insurance,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Individual Income Tax Planning,Life Insurance,Inv

Data Provided by:
Garrett Moretz
290 Glencoe Lane
Mooresville, NC
Company
Title: Financial Advisor/Principal
Company: Moretz Wealth Management, LLC
Type
Investment Advisor Rep: Yes
Education
BS Business Administration
Years Experience
Years Experience: 11
Service
401k Rollover From Employer,Income for Life/ Preserve Principal,Wealth Management,Disability Insurance,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Fee-Only Comprehensive Financial Planning,Pension for Highly Compensated Owners,Stock Market Alternative,Reverse Mortgage,Medicare Planning,Life Insurance,Investment & Portfolio Management,Long-Term Health Care

Data Provided by:
Jon Jonathan Gregory
5401 Plain View Hwy.
Dunn, NC
Service
CD Alternative,Health Care Insurance,Long-Term Health Care Planning,Asset Protection Strategies & Planning,Income for Life/ Preserve Principal,Disability Insurance,Annuities,Insurance & Risk Management Planning,High Yield Bank Accounts,Medicare Planning,Life Insurance,Annuity Ideas & Strategy Planning

Data Provided by:
Steve Roderick Health and Life Insurance
(704) 692-8000
701 cedar hill dr
Shelby , NC
Prices and/or Promotions
Save 30-50% on your Health Insurance

Hallmark Group
(336) 760-2545
3821 Derbyshire RD
Winston-Salem, NC
 
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requently Asked Dental Insurance Questions

Provided By: 

Dental Insurance Questions

Continuing your Dental Coverage

What happens to my dental insurance coverage if I move to another job?
If your new employer is not going to provide dental insurance as part of your benefit's package you will be looking at significantly higher premiums for individual dental insurance coverage. Your best bet? Be sure to 'carry forward' your dental insurance from your previous job for the full allotted time.

You are allowed to carry forward your dental insurance (just like your medical insurance) for 18 months to 36 months depending on your relationship to the insured and the reason for leaving the position. As long as you haven't been dismissed due to gross negligence, you should be able to continue with your dental insurance coverage. While you will be responsible for the full dental insurance premium, group rates are significantly less than individual rates. It's well worth it.

Once the time period is up you will have to have individual dental insurance coverage in place. But at least you'll have had a price break for a reasonable amount of time. Just remember that you have some forms to fill in! You can get them from your, or your family member's, previous employer's benefit's department. You need to fill the dental insurance forms out within 60 days of leaving. If you don't, you can be denied the dental insurance coverage - and your more expensive individual dental insurance coverage will have to start right away.

What happens to my dental insurance if I become unemployed?
This is a tough situation.

In many states, unless you have been dismissed for gross negligence you will be able to carry your dental insurance and medical insurance for between 18 to 36 months, depending on your relationship to the previously insured person. This has been legislated under the Congressional Budget Reconciliation Act or COBRA. Definitely, carrying your dental insurance benefit's and medical insurance benefit's forward is in your best interest.

While it can be difficult to find the money for dental insurance premiums you will now have to pay the full premium for your insurance. You've lost the employer contribution when you lost your job. However, the premium on group dental insurance is much lower than individual insurance - so you will benefit by maintaining your group dental insurance coverage.

If you are going to maintain your dental insurance benefit's under COBRA, you must fill out the appropriate paper wo...

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