Dental insurance for self employed
Dental care is maintaining oral hygiene of your teeth, gums and the related structure of the mouth. It involves prevention and treatment of diseases of teeth and gum including replacement or repair of defective teeth. Proper dental care is very important and vital not only for the physical look but also for the entire well being of the body. In most cases people fail to realize this fact and neglect teeth care. Healthy teeth and gum is extremely important to keep you healthy and sound.
Provided the fact that our tooth is vulnerable to horde of infections, decay, it is best to go for a dental insurance that covers the cost of your dental check up. Purchasing dental insurance from a good insurance company relieves you of the trouble and hassles of expensive cost of keeping your oral cavity healthy.
Dental Insurance is very similar to other medical insurance where one has to pay fixed monthly premium to cover the cost of the treatment when required. A person who is self employed is responsible for his own health and dental expenses. There are millions of self employed people who constantly worry about their Dental health as there is a lack of dental health care plan for self employed people. It always favours the employees who enjoy the dental insurance through their employers.
So if looking for dental insurance for self employed, there are a few things to be kept in mind before you go for it.
1. Find out if you have to pay some minimum amount when you visit the dentist or the full claim amount which you will be reimbursed later. It depends on your own preference.
2. Find out if the dental insurance plan covers the pre-existing conditions that are already there when you buy the policy. If the pre existing condition is not covered and the dentist puts the claim as the pre existing one, you will end up paying whole cost of the treatment in spite of taking the dental insurance.
3. Enquire about the specific procedures that are covered under the plan such as cavity filling, root canalling and tightening of braces etc. Some plan cover 100% of the cost while other cover only the substantial amount like 60% and the rest 40% is to be borne by the policy holder. These orthodontic treatments are very expensive and so should be taken into consideration while taking the insurance.
4. Dental Insurance for self employed generally covers the very basic procedures like teeth cleaning, x-rays, and general oral checkups. Anything outside this has to be paid by the policy holders and so it is beneficial to take the preventive care benefits which are offered with good dental insurance plan.
5. Ask about the monthly premium to payable. Keep in mind that low monthly premium does not always mean it is the best plan. The plan should be assessed in detail to suit your requirement.
6. If you are a self-employed person without any fixed working hours, you must see that the dentist should not limit the scheduling time to its customer for appointment.
There are options available to choose from and you must exercise detail research on these plans and select the one which is most adequate and affordable. It is true that no dental insurance plan or company is perfect but it is still important to find out the best dental insurance provider for the self employed.
Delta Dental is one of the best choices for the dental insurance for the self employed. It is accepted by a large network of dentists across the country. They have different plans to suit various needs.
Discount dental plans are also another good option. Discount dental plans are similar but not insurance. It works well for many self employed individual who dont have actual insurance coverage but can still save a significant amount of money in case of any need.
If you are unable to find any dental insurance plan for self employed which is best suited to you and is reasonably priced, then there are few alternatives to get good dental care at a price you can afford:
Look around for a dentist who can give you a dental care plan at fees you can afford. Dentists like any other professional charge varying rate.
Visit a dental college in your area as some dental colleges have special programs under which they offer free or very inexpensive care to patients of the community.
Create a dental insurance savings account wherein you can place some money each month.
Discuss about the dental care of your teeth with your dentist who may be happy to help you work out cheap financing or a monthly payment option.
These are some of the useful information on dental insurance for the self employed to be kept in mind before making the right choice.