As a self-employed individual, you want to put your money in the best investments. And nothing proves its return on investment better than dental benefits from a company that encourages continued preventive care. When you choose Delta Dental for your dental benefits, you’ll get a dental plan for individuals that will help you protect your smile and your health. When you practice consistent preventive care, your healthy smile is much less likely to need complex treatments down the line.
Plus, with Delta Dental benefits for self-employed individuals, it’s easy to find an in-network dentist near you. We have the largest dental network in the nation and a variety of self-service tools that make managing your dental benefits easy. Learn about our dental plans for individuals and get an online quote quickly and easily at DeltaDentalCoversMe.com.
Why Have Dental Benefits When You’re Self-Employed?
By 2020, researchers estimate 42 million Americans will be self-employed. Delta Dental understands just how important it is that we provide self-employed individuals like you with access to affordable, accessible dental care. The self-employed are not eligible for employer-provided benefits, which is why you should review our dental plans for individuals if you haven’t already.
As a self-employed worker, allocating limited resources correctly (whether that be your time or your money) helps keep things running smoothly in work and in life. We know that while you’re investing in your own success, you’re also aiming to keep costs low. You’re accounting for all the details – big and small – that add up to success, including dental benefits. With the following questions, we can help you compare plans to find the right one for you. Whether you’re a freelance photographer, provide transportation with your car, or own a boutique business, evaluate these questions to choose the best individual dental plan for your needs.
What’s the Value of Dental Plans for Individuals?
Dental benefits are important to a healthy lifestyle because they focus on consistent preventive care. Preventive dental appointments help you avoid more costly dental problems down the line. Did you know The American Dental Hygienists’ Association estimated “that every $1 spent on prevention in oral health care saves $8 to $50 on restorative and emergency procedures?” Even if you’ve never had a cavity, dental coverage is always the right choice because it maintains a healthy mouth and prevents problems from developing and going unnoticed. The National Center for Health Statistics reports that people who have dental coverage “visit dentists almost twice as often as people without coverage,” a statistic that we think speaks for itself. Having a large network of dentists through a trusted provider like Delta Dental saves your smile, health and wallet.
What Are Your Specific Needs?
Consider your health and dental history. Communicate them to your dentist. Here are a few things to think about.
- Did you know that your overall health impacts your dental health? Certain medications can also negatively impact dental health.
- What does your family’s medical and dental history look like?
- Do you anticipate your family dynamic to change?
- Do you have kids? Where are they currently getting their dental coverage?
Factor in every scenario to choose the best coverage for your lifestyle.
Consider the Costs
When you’re self-employed, regular preventive dental appointments covered by our individual dental plans can save you money. When choosing a dental plan, research different carriers and the plans they offer to individuals who are self-employed:
- What coverage options are available to you?
If you have a healthy mouth and are only in need of cleanings and exams, look for a plan with basic coverage. If you feel your smile requires more extensive care (fillings, crowns or a root canal), look for an individual plan that has more extensive coverage. We’re more than happy to talk you through each option to find the best individual plan for you.
- How much does it cost per month?
- Is there a deductible? Annual maximum?
- What are the waiting periods?
- Is orthodontia covered?
Jot down these notes. Is there a more affordable option available? If there is, ensure that the network of dentists gives you access to dental care when and where you need it. Paying out-of-pocket for one dental treatment could be more expensive than your yearly dental insurance premium.
Look at what you pay with and without dental coverage:
Stay informed about all your options for funding your health and wellness. There are other options for self-employed individuals that are just as unique as you are:
- Savings Accounts: Medical savings accounts and health savings accounts are other options for saving up to cover dental expenses. They work like a savings account for dental and health expenses.
- Government Assistance: Depending on your personal circumstance, you could qualify for certain low-cost programs.
Have questions on dental plans for individuals? Post them below, and we’d be happy to answer!
Looking for more on proper preventive dental care? Check out this blog: