We want to make sure that you and your family are protected in every area of your life. With high-quality coverage and competitive pricing, we'd love to work with you.
We are an independent insurance agency offering a comprehensive suite of insurance solutions to protect you from the unexpected.
We don’t just sell insurance. We work closely with clients to help them make important and informed decisions every day when it comes to protection and their future.
At LTK Insurance Services, LLC, we strive to provide a true, concierge client experience which is unique in the insurance industry. We give clients the power of choice from top-rated national and regional insurance carriers. -CEO Ryan Goulding
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Regular dental checkups are important when it comes to the health of your teeth. Many people wait to see a dentist until they have a problem which often results in expensive treatment. Such treatments could possibly have been avoided had they had regular checkups. Many times, the reason they don’t get regular checkups is because they do not have insurance. Many people don’t realize they can purchase dental insurance individually. Also, many employers no longer help pay for dental insurance because the medical premiums have increased. Dental plans can be purchased individually and are very affordable.
Group Dental Plans
Group dental plans are available on either an employer pay or a voluntary basis. When the employer contributes, the premiums are less expensive and participation requirements apply. Benefit structures are fairly standard among carriers, however, determining what percentile of allowed charges the carrier uses for paying benefits is very important. Waiting periods may or may not apply. Most companies offer optional orthodontics coverage for dependents of larger groups as an added benefit.