Self Employed Dental Insurance

2008-10-21 12:47:37

( Insurance )



Joys and Hitches about Self Employment Health Insurance

Being your own boss and running your own business is great if you have an independent mind and entrepreneurial spirit. No one but you will be making all the decisions, and you can even work in the convenience of your own home.

But self employment has its own hassles. You make all decisions, whether right or wrong, and you face all the consequences of bad decisions. You are solely responsible for paying all your taxes and liabilities, and financial support doesn't come that easily when you need funds for expansion or emergencies. You will also have to contend with higher prices of self employment insurance.

Dental Insurance is Still a Must

Whether you are self employed or not, you definitely need dental care. Your teeth and gums will deteriorate in the long run without proper dental checkups, cleaning, and fixing. Dental procedures are quite expensive, and cost even more than out-patient medical services in some cases. You should consider buying dental insurance just in case you encounter problems like toothaches.

Basic Features of Self Employed Dental Insurance

Most dental insurance providers have clauses about preexisting conditions. That is, you should not have had a previous record of any dental problem at least one year prior to utilizing your self employed dental insurance.

Group dental plans that you would have in a regular company with many employees are generally a lot cheaper because the premiums are based on group averages. The insurance company usually offers a lot of perks to company dental plans because of the high volume.

In regular group dental plans, some treatments or services are not covered, and even more so with self employed dental plans. You will expect to be covered only for at most one cleaning or prophylaxis procedure. However, emergency treatments are covered.

As with group dental insurance, you also have to shoulder a part of the dental fees. Fees for some restorative procedures, such as crowns and dentures, can be quite expensive even though you are just paying a fraction of the fees under your self employed dental insurance.

Beating the High Cost of Self Employed Dental Insurance

You do need to shop around and compare premium prices of dental plans offered by different providers. You also need to consider the locations of the dental offices in the network, and what dental procedures are included. You may be able to get discounted rates if you are also enrolling your family members in the plan.

An alternative to buying self employed dental insurance is to buy discounted dental packages directly from the dental office. This may be cheaper in some cases, especially if you have good dental health.


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