Dental Blog / Do You Need Dental Insurance if You're Self-Employed?

Do You Need Dental Insurance if You're Self-Employed?

Being self-employed comes with a number of perks: flexible hours, not having to answer to a boss and the potential for high earnings.

On the other hand, there are certain benefits that come from working for an employer you don’t get when working for yourself — one of them being company-sponsored health and dental insurance plans.

But just because you can’t take advantage of a plan like this, doesn’t mean you should forego having insurance for both overall health care and dental care. Keep reading to discover why you should invest in dental insurance and how to find the best plan for your needs.


Benefits of dental insurance for self-employed individuals

Everyone, regardless of their profession, should visit the dentist regularly. Dental insurance is a savvy approach for having regular cleanings and exams covered, as well as partial coverage for more extensive treatments and procedures. This means you won’t be slammed with a huge bill for a simple cleaning or an unexpected tooth injury or illness. 

Self-employment can already create financial stress. But, armed and protected with dental insurance, you get peace of mind knowing you can take care of yourself without putting a strain on your finances. 

How much is dental insurance for self-employed individuals?

There is no one-size-fits-all dental insurance plan. There are many factors that impact how much your premium will be each month, including:

  • Your age
  • Where you live
  • Who insurance will cover (individual, individual + partner, family)
  • Desired coverage for cleanings and exams (most cover 100%)
  • Desired coverage for basic and major procedures (X-rays, sealants, oral surgery, etc.)

Insurance plans also come with various costs aside from the monthly premium, including co-pays, deductibles and coinsurance. 


Ways to get dental insurance if you’re self-employed

People who freelance or own their own business have the freedom to select their own plan based on their budget and unique oral care needs. There are a couple of approaches you can take to find and enroll in dental insurance: within your existing health insurance plan, or as a standalone plan. Consider what services you’ll need and whether you want to stick with a specific dentist, as you’ll need to ensure they’re in-network for whatever plan you choose.


Health insurance plans that include dental coverage

Some health insurance plans include dental insurance, so you conveniently have one monthly premium for both. It’s important that when taking this route, you read all the fine print to understand what — and how much — is covered, as well as what you’ll pay monthly and for dental visits. 

These plans can also have limitations in terms of what they cover and what providers are in-network.  


Separate dental insurance

Alternatively, you can find a standalone plan that is separate from your health insurance. Rather than having to select from a list of set plan options provided by the specific carrier, this approach allows you to choose a program that has the coverage you want for a price that works for you.

If you have a dentist you trust and don’t want to lose, you can also ensure that that practitioner is in network before committing to an insurance plan.


How to find affordable self-employed dental insurance

You’ve taken the leap to work for yourself, but it shouldn’t come at the sacrifice of your health. Get the regular care you need to keep teeth and gums in tip-top shape and be prepared in the event of an emergency oral health issue with dental insurance.

Direct Benefits is your partner in finding the right plan. Browse, compare and enroll in affordable plans quickly and easily — with no waiting periods! Find your plan today!