Individual Dental Insurance
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
Best place to get individual dental
E health insurance. They give you the best selection of "good"
plans and their prices are the lowest prices you will find
anywhere for the plans they offer.
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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Plan * Individual Dental Insurance