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Dental Coverage for the Self-Employed

Posted May 2019

By Delta Dental of Arkansas

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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. That’s what Delta Dental provides: dental plans 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. Delta Dental benefits for self-employed individuals makes finding the right dentist in your area an easy task. Our extensive network of dentists and the variety of self-service tools we offer help keep your dental health top of mind. So, if you haven’t already, take the time to get to know why we offer dental plans for individuals who are self-employed.

Why Have Dental Benefits When You’re Self-Employed?

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. 

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.

What Are Your Specific Needs?
Consider your health and dental history. Communicate them to the dentist of your choosing.
• 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 from?

Factor in every scenario to choose the best coverage for your lifestyle.

What’s the Value of Dental Plans for Individuals?

Dental benefits are important to a healthy lifestyle because they allow for consistent preventive care. Preventive dental appointments help you avoid any 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
 
Consider the Costs
When you’re self-employed, regular preventive dental appointments covered by our individual dental plans can save you money and help your bottom line. Research different providers 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 health 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:

insurance vs not chart

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.

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