As a self-employed individual, you want to ensure your money is directed towards the best investment. And nothing proves its return on investment better than dental benefits in a complex dental emergency. That’s what Delta Dental wants to provide: dental plans for individuals that are there for your smile when you need them. Keeping a healthy smile with preventive care helps you avoid needing complex treatment down the line. Dental benefits for self-employed individuals makes finding the right dentist in your area an easy task. So, if you haven’t already, take the time to get to know our dental plans for individuals who are self-employed.
Why Have Dental Benefits When You’re Self-Employed?
The United States spends over one billion hours every week freelancing. That’s because over 56.7 million Americans freelance – that’s 17 percent of the US. Professionals continue to opt out of being permanently employed by a single company at a time, and that means that employer-offered dental benefits just don’t work for freelancers. Since 64% of the freelance community works remotely, dental benefits through the employer may not even be an option.
Working on your terms means accounting for all the details yourself, including dental insurance. Whether you’re a freelance photographer, provide transportation with your car, or run a business, take these three steps when considering what dental plan is right for you:
1. Evaluate Your Needs:
Do you anticipate your family dynamic to change? Do you have a health condition that may require more dental attention? Remember that certain medications can also negatively impact your dental health. Factor in every scenario to choose the best coverage for your lifestyle.
Do you have kids? Where are they currently getting their dental coverage from? Remember: even if you’ve never had a cavity, dental coverage is always the right choice. 81% of individuals with dental benefits reported seeing a dentist twice a year or more. This drops by a staggering 58% when compared to the number of uninsured individuals that see a dentist twice a year or more.
2. Consider the Costs
When you’re self-employed, dental coverage affects your bottom line. Research your provider’s costs:
- How much does it cost per month?
- Is there a deductible? Annual maximum?
- What’s the waiting period?
Jot down these notes. Is there a more affordable option available? If there is, ensure that their 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 coverage.
Just look at the numbers:
You work an alternative style—you may need a plan to match. Here are some alternative options for coverage:
- 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? Post them below, and we’ll start a discussion around dental plans for individuals!
Editor’s Note: Content updated February 2019.