Self employed individuals need dental coverage just as much as any other type of insurance, but unfortunately it can often go overlooked. As with any other type of insurance coverage, cost is an important consideration. You want to be sure you are getting a cost effective form of dental coverage that will provide the proper benefits at the right time.
Dental Insurance is typically overlooked because it takes a backseat to medical insurance coverage, which even self-employed individuals need. Still, within the whole picture of health dental care is an important element that should not be overlooked for any length of time. Good dental insurance should include preventative dental work, including dentist check-ups and general dental x-rays.
Of course, outside of dental coverage, even the self-employed should be thinking about how to avoid major dental work by brushing and flossing every day. Avoiding sweet and acidic foods like candy and soda are important measures to take as well. Caring for your teeth is easily the most important thing a self employed individual can do to avoid even having to visit the dentist’s office in the first place. The same principle applies to health care as well. How much is self employed health coverage going to cost? Well, that really depends on how much you neglect the basics like eating healthy foods, exercising often, and maintaining a healthy work-life balance.
Many dental plans for the small business owner or solo professional are available at an annual cost meaning you pay only one fee in a year and maintain regular access to your chosen dental provider. Be careful when selecting such a plan, though, as you will want to be sure your chosen dentist is an acceptable provider approved by your dental insurance provider.
Also, when choosing a low cost dental coverage plan always read the fine print. Check for the basics. Ask yourself important questions. How much is a root canal going to cost? Does the plan cover orthodontics? How much of the coverage applies to cosmetic dentistry? What kinds of dental work do you anticipate needing in the coming year? The coming five years?
Because dental issues can pop up at unexpected times, you will also want to think about your cost-benefit analysis in terms of what you have to lose by having or not having a dental insurance provider. For example, if you have a good amount of funds in savings and would not be hurt too badly by an unexpected cavity that requires out of pocket expenses, it may be in your best interest to forego dental coverage. On the other hand, if you have a large family with several young children, dental coverage could help you save a lot of money down the road. Like any other insurance situation, your unique situation is an important factor in making a final decision about what to do and when to do it.
At the end of the day, it is just important to remember that even self employed business owners and solo professionals need to think seriously about finding good dental care and quality insurance.