Owning and running your own business can be both exhilarating and terrifying at the same time. It’s never easy, but the rewards can be tremendous both financially and emotionally. Of course, there are many challenges to being self employed. One challenge that many people forget about is insurance coverage. There’s no employer to offer it to you, you’re on your own. Below is a list of ideas to find dental insurance for self employed people.
1) If your spouse works and is offered dental coverage, have him or her add you to their plan. Of course this will cost more money, but it will cost you less than any other option. This would be the most affordable way to go, especially if they are already on a family plan.
2) Discount dental plans are another great option. Discount plans are not insurance, they just help to make dental procedures cheap. You pay a premium, usually annually, and then have a list of dentists to choose from. When you see one, your rate is discounted – often at about 50% of the total cost. There are many different rates involved with these plans and you should get several quotes and compare plans before signing up and committing to one.
3) The Insurance Information Institute is a great option to find dental insurance for self employed people. It’s a national organization, but varies its information state by state depending on what specific companies are available in a given area. They will have information on dental coverage for students, senior citizens, the unemployed and self employed.
4) There may be someone in your immediate or extended family who may have dental coverage available to them because of military affiliation or federal government rights. These coverages are often available to family members.
5) Professional organizations like the Lions Club, Kiwanis Club, and others will often have a dental insurance plan available to their self employed members.
6) Keep in mind that coverage is always cheaper when there are groups of people covered instead of just an individual. If you belong to a social networking group or other business related organizations, it may be worth your while to investigate if there are others looking for dental insurance for self employed people. If there are, organize a group yourself and take a discounted or free coverage for being the one to set it up.
The bottom line is, don’t overpay for dental insurance. There are some good websites that can help you secure coverage at affordable rates. The Affordable Dental Insurance [http://www.affordableinsuranceoptionsonline.com/category/dental-insurance/] Directory is a free online resource that has great information on how to find affordable coverage plans that fit your needs.
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