Solutions vs. Traditional Group Plans

Insurance companies usually focus on insuring larger groups and generally smaller insured groups have less effective plans. In some situations group insurance can not be offered leaving the employees with the option of costly individual insurance and ever increasing costs.

Listed below is a comparison between Solutions and an actual Insured plan where the Dental portion only was taken out of the Insured plan and replaced with Solutions

Coverage Period	Dental Premiums	Dental Claims	Insured Expenses	Solutions Expenses	Solutions Savings
Year 1	$5,332.02	$3,697.67	$1,634.35	$369.77	$1,264.58
Year 2	$5,220.99	$3,325.50	$1,895.49	$332.55	$1,562.94
Year 3	$7,079.47	$3,616.89	$3,462.58	$361.69	$3,100.89

Total 3 yr.	$17,632.48	$10,640.06	$6,992.42	$1,064.01	$5,928.41

Annual Average	$5,877.49	$3,546.69	$2,330.81	$354.67	$1,976.14

Percentage cost of paid claims			65.71%	10%

Which percentage would you rather pay? 65.71% or 10%

If you would like to receive a comparison using your current group plan premiums and your actual claims experience, please fax or e-mail us the last 3 years of your contract renewal statements including the total Dental premiums paid and total amount of Dental claims incurred for each year.