The self-employed man or woman may have several place they can look for dental expense insurance. Dental Care insurance may be available through a group policy, a dental expense insurance alternative may be available through a medical care insurance policy they acquire directly from an insurance carrier, a standalone dental care insurance policy may be available and simply paying for care out-of-pocket is another choice.
Group dental expense coverage may be available to you through your spouse's employer or through your business. If you only have a few employees, a group plan through your business may not be the best option. The best prices are given to larger employers. This means that if you have a spouse you may want to investigate options available through his or her employer.
The second best choice may be to get a dental expense insurance policy that is part of a package that includes medical care insurance. These policies are often well-priced and have good benefits. They are often the best alternative for those cannot get dental care coverage through an employer although they are usually not quites as good as dental care policies that are available through large employer sponsored policies.
Standalone dental care coverage is also an alternative, however, dental discount policies are often better. (See below).
Standalone dental policies are often purchased by those who need immediate dental expense coverage. This drives the price up and lowers the benefits available. insurance companies will generally make new policy holders wait for one or two years before major expenses are covered by these types of policies.
Because of the waiting period, these policies are not viable for those who need work done right away. Dental Expense discount plans are often much better choices for those who have an immediate need for dental care.
Standalone dental care protection is usually so poorly priced that in many cases individuals and families will do better by paying for dental expenses out of their pocket.
You may find that group coverage isn't available to you or it isn’t a good option. You may also find that purchasing a policy that includes healthcare assurance is similarly unavailable or unattractive. If this is the case, a dental discount plan may be your best alternative.
A dental expense discount plan isn’t insurance. However, it can be a very good deal.
For an annual price that might be the equivalent of two or three months of dental expense insurance premiums a dental expense discount plan can help you get 25% or even 35% off the cost of your dental work with no significant waiting period. This means that you can purchase a policy and get a discount of hundreds of dollars on the day your coverage begins.
For this reason many insurance agents recommend dental discount plans for their clients who are unable to get group coverage and for whom a packaged healthcare and a dental care insurance policy is not an option.
It pays to look at all of your health care and dental expense coverage options if you are self employed. The best option may lay with your spouse or domestic partner's employer-sponsored plan, a dental care and medical insurance policy you get directly from an insurance company, a standalone dental expense policy or a discount dental plan.
Group dental expense coverage may be available to you through your spouse's employer or through your business. If you only have a few employees, a group plan through your business may not be the best option. The best prices are given to larger employers. This means that if you have a spouse you may want to investigate options available through his or her employer.The second best choice may be to get a dental expense insurance policy that is part of a package that includes medical care insurance. These policies are often well-priced and have good benefits. They are often the best alternative for those cannot get dental care coverage through an employer although they are usually not quites as good as dental care policies that are available through large employer sponsored policies.
Standalone dental care coverage is also an alternative, however, dental discount policies are often better. (See below).Standalone dental policies are often purchased by those who need immediate dental expense coverage. This drives the price up and lowers the benefits available. insurance companies will generally make new policy holders wait for one or two years before major expenses are covered by these types of policies.
Because of the waiting period, these policies are not viable for those who need work done right away. Dental Expense discount plans are often much better choices for those who have an immediate need for dental care.
Standalone dental care protection is usually so poorly priced that in many cases individuals and families will do better by paying for dental expenses out of their pocket.
You may find that group coverage isn't available to you or it isn’t a good option. You may also find that purchasing a policy that includes healthcare assurance is similarly unavailable or unattractive. If this is the case, a dental discount plan may be your best alternative.
A dental expense discount plan isn’t insurance. However, it can be a very good deal.
For an annual price that might be the equivalent of two or three months of dental expense insurance premiums a dental expense discount plan can help you get 25% or even 35% off the cost of your dental work with no significant waiting period. This means that you can purchase a policy and get a discount of hundreds of dollars on the day your coverage begins.
For this reason many insurance agents recommend dental discount plans for their clients who are unable to get group coverage and for whom a packaged healthcare and a dental care insurance policy is not an option.
It pays to look at all of your health care and dental expense coverage options if you are self employed. The best option may lay with your spouse or domestic partner's employer-sponsored plan, a dental care and medical insurance policy you get directly from an insurance company, a standalone dental expense policy or a discount dental plan.
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