Uncategorised - The Preferred Group

The Preferred Group TEXT MESSAGING TERMS OF USE

By "Opting In" to or using a “Text Message Service” (as defined below) from The Preferred Group, you accept these Terms & Conditions.

This agreement is between you and The Preferred Group or one of its affiliates. All references to "The Preferred Group," “TPG,” "we," "our," or "us" refer to The Preferred Group, PO Box 15136, Albany, NY 12212.

DEFINITIONS
"Opting In," "Opt In," and "Opt-In" refer to requesting, joining, agreeing to, enrolling in, signing up for, acknowledging, responding to, or otherwise consenting to receive one or more text messages.

"Text Message Service" includes any arrangement or situation in which we send one or more messages addressed to your mobile phone number, including text messages (such as SMS, MMS, or successor protocols or technologies).

CONSENTING TO TEXT MESSAGING
By consenting to receive text messages from us, you agreed to these Text Messaging Terms and Conditions, as well as our below Terms and Conditions and Privacy Policy, incorporated herein by reference.

E-SIGN DISCLOSURE
By agreeing to receive text messages, you also consent to the use of an electronic record to document your agreement. You may withdraw your consent to the use of the electronic record by replying STOP.

The Preferred Group TEXT MESSAGE SERVICE PRIVACY POLICY

We respect your privacy. We only use information you provide through this service to transmit your mobile messages and respond to you. This includes, but isn't limited to, sharing information with platform providers, phone companies, and other vendors who assist us in the delivery of mobile messages. Mobile information will not be shared with third parties/affiliates for marketing/promotional purposes. All the above categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties. Nonetheless, we reserve the right always to disclose any information as necessary to satisfy any law, regulation or governmental request, to avoid liability, or to protect our rights or property. This Text Message Service Privacy Policy applies to your use of the Text Message Service and isn't intended to modify our general [“Privacy Policy” OR RELEVANT NAME OF PRIVACY POLICY REFERENCED IN SECTION ABOVE], incorporated by reference above, which may govern the relationship between you and us in other contexts.

COSTS OF TEXT MESSAGES
We do not charge you for the messages you send and receive via this text message service. But message and data rates may apply, so depending on your plan with your wireless or other applicable provider, you may be charged by your carrier or other applicable provider.

FREQUENCY OF TEXT MESSAGES
This Text Messaging Service is for conversational person-to-person communication between you and our employees. We may send you an initial message providing details about the service. After that, the number of text messages you receive will vary depending on how you use our services and whether you take steps to generate more text messages from us (such as by sending a HELP request).

OPTING OUT OF TEXT MESSAGES
If you no longer want to receive text messages, you may reply to any text message with STOP, QUIT, END, REVOKE, OPT OUT, CANCEL, or UNSUBSCRIBE. As a person-to-person communication service, opt-out requests are specific to each conversation between you and one of our employees and their associated phone number. After unsubscribing, we may send you confirmation of your opt-out via text message.

CONTACT US
For support, email us at This email address is being protected from spambots. You need JavaScript enabled to view it..

SMS PRIVACY POLICY

Version 1.0 Effective Date: July 1, 2025

Note: This Policy is for SMS Marketing Only, however, this policy does reflect the position of The Preferred Group marketing strategies.

At The Preferred Group, we value your privacy and make every effort to respect your wishes and personal information. In line with this commitment, we have established the following policy for the use of our SMS marketing service. Please read it carefully to understand how we collect, use, and manage your phone numbers.

COLLECTION OF PHONE NUMBERS
We collect your phone numbers only when you voluntarily provide them to us, for example, during transactions, inquiries, or when you sign up for our promotional messages. You can opt in to receive these SMS messages for personal communication to a select few people within our company.

USE OF PHONE NUMBERS FOR SMS
Your phone numbers are primarily used to provide you with personalized services & updates. These text messages may relate to our services or any updates that we think may interest you. We may also provide other personalized information through SMS messages. SMS messaging charges may be applied by your carrier. We will only share your phone number with our SMS provider, subject to their privacy policy. The SMS provider must have this number in order for the SMS to be routed.

OPTING OUT OF MARKETING MESSAGES
If at any time you wish to stop receiving marketing SMS from us, you can opt out by

Texting STOP to opt-out

Please note that the opt-out process may take up to 10 business days to become effective. During this period, you may still receive some messages from us.

PRIVACY OF PHONE NUMBERS
Once you have opted out, we will not send you any more SMS messages, nor will we sell or transfer your phone number to another party.

CHANGES TO THIS POLICY
We may periodically update this policy. We will notify you about significant changes in the way we treat your information by placing a notice on our site.

We thank you for your understanding and cooperation. If you have any questions or concerns about this policy, please feel free to contact us at (800) 573-7474.

Customer Data

geo days u2i16I jc unsplash 2 Choosing the benefits for your employees or members is a very tough assignment. There are many Dental Plan options out there, but which one will be the right option for your group?

One option that you have is between a Self-Funded or a Fully Insured Dental Plan. Each provides advantages, so let’s compare.

What is a Fully Insured Dental Plan?

A fully insured Dental Plan is managed fully by an insurance carrier. The group generally chooses from a set of coverage parameters and a few PPO (provider) options. The insurance carrier has a set premium that is assigned for each individual, two person or family. Once your group is enrolled, the carrier takes full responsibility for paying the dental claims incurred by your group. All of the costs are rolled up into the monthly insurance premium as determined by the carrier and any risk of increased claim activity is assumed by the insurance carrier.

The Fully Insured Dental Plans tend not to be very customizable and they may come with restrictions that could be somewhat problematic for your employees or members. However, these plans are fixed cost and are fairly simple to manage as the group will just need to update eligibility and pay the monthly invoice.

What is a Self-Funded Dental Plan?

Self-funded plans allow the group to save on costs that may be associated with a Fully Insured Dental Plan. Cost savings and benefits from a self-funded include:

Full control of the plan design
Plan designs that will provide cost savings
Eliminating insurance underwriting costs
Eliminating premium tax
Low administrative fee each month
Lowering the group operation costs

Self-funded dental plans also work very well with other wellness programs that will in turn encourage lower utilization and reduced claim costs.

Just because you have a self-funded dental plan does not mean that you cannot have a full PPO network! We offer several PPO options that can work with both local and nationwide providers. Our current available networks are DentaMax, Aetna and Anthem, but you can also allow us to help you with creating and managing your own local PPO network at no additional cost to the plan.

We provide ongoing account maintenance and reports, help you customize your dental plan and provide live phone support to your employees or members.

Comparing Fully Insured vs Self-Funded

	Fully Insured	Self-Funded
Plan Design	Some options, but regulated by the carrier	Fully customizable
PPO	Some PPO options, nationwide providers	Can be paired with a negotiated PPO nationwide network, smaller local provider set or simple reimburse per service option
Total Cost	Fixed premium rate set at the beginning of each plan year	Generally, has a savings over the Fully Insured Plan as operating costs are lower
Participation Requirements	May have a minimum participation requirement	No minimum participation requirement
Financial Risk	Insurance carrier assumes full risk for increased claim usage	Group must pay the full cost of the claims when they are incurred, however the claims are controlled by your plan design
Support	Provided by carrier	Provided by your Third-Party Administrator

We can help you compare what kind of plan would work for your group. Please call us at (800) 573-7474 and we can help you choose the best Dental Plan for you and your group.