Dental insurance for individuals can come in two forms, which is a group dental plan through an employer or an individual dental plan through a group or organization. A group dental plan through your employer is usually cheaper than if you purchased an individual plan on your own. Also, if you choose to get a dental plan through your employer, there is usually no waiting periods like the ones you will experience with an individual plan. Below is a comparison between a group dental plan and an individual dental plan.

Group

o Lower premiums

o Premiums held out of pay-check

o Employer chooses the type of dental insurance you will have

o Usually NO waiting period

o Usually available as family dental insurance

o Often has a higher yearly maximum

o Separate from vision insurance

Individual

o Higher premiums

o Premiums can be paid montly, quartly, semi-anually, or yearly

o You choose the type of dental insurance you will have

o Usually DOES HAVE a waiting period

o Also available to families

o Often has a lower yearly maximum

o Sometimes combined with vision as a package

These are just some of the similarities and differences between group and individual dental insurance. There are a few (not many) cases where your dental insurance would actually be cheaper to purchase as an individual as oppose to getting it from your employer. Always do a comparison and the similarities and differences of your dental insurance choices. Many more times than not, you will be better off going with the employer offered plan, but it is always worth looking over just to be sure.

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