Individual Dental Insurance
Individual dental
insurance is pretty easy to find and unlike health insurance the
self-employed usually don't have as tough a time getting it. The
biggest thing you need to decide is do you want individual dental
insurance or do you want to go with a dental plan. Basically the
difference between individual dental insurance and dental plans
comes down to price and coverage.
For an individual,
dental insurance usually costs more (around $35/month or $420/year)
and the amount it pays caps at around $1000 for the year. You have
to pay a deductible and you are responsible for a co-pay of between
10-60% of each visit depending on whether you go to a dentist in
the company's network or outside it. So, if your dentist charged
$300 and you have a 20% co-pay you would pay $60 for this visit.
Dental plans are
cheaper (usually around $100/year) and give you discounts on all the
services from the dentist. You have to use a dentist in their
network. If you go with a good provider you can usually save a lot
of money - usually around half the normal fee. Plus, unlike dental
insurance, dental plans don't require background or
history. Regardless of your previous dental woes you can get
covered.
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Best place to get
individual dental plan:
Dental Plans. This is the best dental plan company on the
net. It has some of the lowest prices and the best coverage.
Plus they throw in a lot of freebies so you can get your
eyeglasses, contacts and eye exams up to 50% off and discounts
on prescription drugs, chiropractic care and hearing aids.
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Individual Dental
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