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requently Asked Dental Insurance Questions Lake Havasu City AZ

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.

Blue Cross Blue Shield of Arizona
(602) 864-4400
2444 W Las Palmaritas Dr.
Phoenix, AZ
 
True Choice Benefits LLC
(480) 206-8294
PO Box 1914
Chandler, AZ
 
Lovitt & Touche Inc Insurance & Bonds
(602) 956-2250
1050 W. Washington St Ste 233
Tempe, AZ
 
Jeffrey Biro
6900 E. Camelback Rd.
Scottsdale, AZ
Company
Title: President
Company: Family Wealth Advisors
Type
Investment Advisor Rep: Yes
Education
Double Bachelor's
Master's (abt)
Years Experience
Years Experience: 28
Service
Portfolio Engineering,Pension for Highly Compensated Owners,Stock Market Alternative,Wealth Management,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,Fee Only Portfolio Management,Mortgage Refinancing,IRA, 401k, Roth IRA, QDRO Rollovers,CD Alternative,Medicare Planning,Life Insurance,Investment & Portfolio

Data Provided by:
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:
Charles Booth
2812 N Norwalk
Mesa, AZ
Company
Title: CPA, PFS
Company: Clarity Wealth Management
Type
Investment Advisor Rep: Yes
Education
Arizona State University
B.S. Accounting
1971
Years Experience
Years Experience: 10
Service
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,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 & Financia

Data Provided by:
Perimeter Group
(480) 951-5933
17797 N Perimeter Drive D-101
Scottsdale, AZ
 
Rick Willoughby
15022 S 40th Pl
Phoenix, AZ
Company
Title: AAMS, AWMA
Company: Symphony Financial Services LLC
Type
Investment Advisor Rep: Yes
Education
College for Financial Planning Accredited Asset Management Specialist
College for Financial Planning Accredited Wealth Management Advisor
Years Experience
Years Experience: 24
Service
High Yield Bank Accounts,401k Rollover From Employer,Income for Life/ Preserve Principal,Alternative Investments,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,Portfolio Engineering,Pension for Highly Compensated Owners,Stock Market Alternative,Reverse Mortgage,Medicaid,Life Insurance,Investment & Portfolio

Data Provided by:
AnCap Insurance
(602) 943-2586
8802 N Fourth St
Phoenix, AZ
 
Data Provided by:

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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