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Dental Insurance for the Self Employed


Costs and Benefits

The benefits of a good dental plan to a self-employed individual will always more than compensate for the costs.

Dental treatment itself certainly takes up working (earning) time but the amount of working hours lost through lack of treatment will be much higher. The losses to American business as a result of dental disorders runs in billions of dollars every year.

While a major corporation will have taken health related losses of productivity into its general budgeting, a self employed person cannot do that.

A dental plan should therefore make full provision for preventative inspections and also cover any pre-emptive work that may be required. In any case, no individual can work fully effectively with toothache.

Good dental practices, to include regular check-ups, will often also uncover other ailments (such as kidney disorders) therefore making a substantial contribution to the general health and therefore business efficiency of the individual.


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What type should you get?

There are primarily two types of dental plan available and the choice will depend on personal circumstances.

There is, of course, traditional dental insurance which reimburses the costs of treatment and usually, associated prescription medication. Some schemes pay the dentist, others reimburse the patient. The levels of reimbursement will vary according to the terms of the policy and will depend mainly on the levels of premium.

The second type of plan is similar to a dining club in that a monthly “membership” fee is paid and the patient pays his dental charges in the normal way but with discounts deducted.

Typically, the cost of a discount scheme is around a third of that of a traditional insurance plan but the discounts available from the dentists are much lower than the reimbursements from an insurer are likely to be.

It's therefore vital that, before any decision is made, any contract signed or money paid over, careful thought and calculations are made.



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