As a business owner or someone who is self employed, you will find that you have added expenses and will have to be more cautious with your money. When looking around for insurance plans, many people consider self employed dental insurance to be a luxury item instead of a necessity. The fact is, dental insurance is just as important as regular health insurance, it’s just that people don’t see the immediate need unless they have a dental emergency. In order to better understand the importance of dental insurance, below you find a few items plans will cover, that you might see a need for immediately or in the near future.
With self employed dental insurance plans, you have the benefit of knowing that your regular cleanings are covered. Normally a plan will cover you for two dental cleanings a year, which usually means every six months. Although a dentist can charge as low as $30 for a cleaning and up, it’s good to know that it is money that you don’t have to pay out of your pocket. Also, knowing that you’re already covered might be an added incentive to make sure you don’t miss your regular cleaning. If you’re paying for insurance it might just be that extra kick in the pants you need to make that appointment.
A typical dental plan also covers you for cavities, root canals, crowns, extractions, and other dental emergencies. This is also the case for self employed dental insurance, as long as these were not pre-existing conditions, so if you have a chipped tooth that needs fixing, you will be taken care. The most important thing is check with your insurer to make sure they will cover the entire cost. There are some cases where they will pay the majority, and you’ll have to pay a small portion, but that all depends on the plan you’ve purchased. Be sure to check with your insurer beforehand to confirm the specifics.
If you don’t want any surprises when having to look after a root canal or chipped tooth, your best bet would be to verify all the details before you buy your plan. When purchasing self employed dental insurance, be sure to review all the written material you receive and to ask your insurer a lot of questions based on different scenarios. The last thing you want is to buy a plan that doesn’t provide the coverage you need when you need. The more specific you are about your needs when you buy the plan, the happier you’ll be with your choice after the fact.
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