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requently Asked Dental Insurance Questions Hazard KY

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.

Chris Risher
9900 Corporate Campus Dr
Louisville, KY
Company
Company: C Risher Financial, LLC
Type
Investment Advisor Rep: Yes
Registered Investor: Yes
Education
BBA
Years Experience
Years Experience: 10
Service
Wealth Engineering,401k Rollover From Employer,Income for Life/ Preserve Principal,Alternative Investments,Life Insurance,Investment & Portfolio Management,Investment Consulting & Allocation Design,Business Succession & Liquidation Planning,Estate Tax Planning,Asset Protection Strategies & Planning,Fee-Only Comprehensive Financial Planning,Portfolio Engineering,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,Health Care Insurance,Retirement Planning,Long-Term Hea

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Silver American Insurance LLC
(502) 491-7267
7900 Ridgehurst Place
Louisville, KY
Prices and/or Promotions
Medicare Supplements and Medicare Advantage Plans

Kentuckiana Pain Specialists
(502) 995-4004
2831 S. Hurstboune Pkwy
Louisville , KY
 
Silver Cafe Insurance LLC
(502) 491-7267
7900 Ridgehurst Place
Louisville, KY
Prices and/or Promotions
Medicare Supplements and Medicare Advantage Plans

AFLAC
(270) 442-3825
333 Broadway Suite 501
Paducah, KY
 
Erich Castillo
1008 South Broadway
Lexington, KY
Company
Company: Cornerstone Wealth Management
Type
Investment Advisor Rep: Yes
Education
University of Kentucky
Bachelor of Arts in Education
Bachelor of Business Administration
Service
Disability Insurance,Retirement Planning,Real Estate Investment Planning,Commission-Only Financial Planning (Full Disclosure),Insurance & Risk Management Planning,Retirement Income Accumulation Planning,Business Income Tax Planning,Fee-Only Comprehensive Financial Planning,Fee Only Portfolio Management,Wealth Engineering,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Medicaid,Annuities,Alternative Asset Class Planning,Investment Consulting & Allocation Design,Business Succession & Liquidatio

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Vegoutforlife
(502) 333-0928
6806 Wynde Mano Drive
louisville, KY
 
Shepherd Retirement Services, LLC
(502) 245-2484
10607 Bracken Branch Court
Louisville, KY
Prices and/or Promotions
Short Term Health For Self Employed

HUMANA MEDICARE
(423) 928-3704 OR (800) 941-6172
500 West Main Street
Loiusville, KY
 
Nimco, Inc.
(800) 962-6662
102 Hwy 81 North
Calhoun, KY
 
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requently Asked Dental Insurance Questions

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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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