Group dental expense insurance 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 choice. The best prices are given to larger employers. This means that if you have a spouse you may want to investigate alternatives available through his or her employer.
The second best alternative may be to purchase a dental expense insurance policy that is part of a package that includes health assurance. These policies are often well-priced and have good benefits. They are often the best alternative for those cannot get dental expense 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 insurance is also an alternative, however, dental expense 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. assurance 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 this waiting period, these policies are not viable for those who need work done right away. Dental discount plans are often much better choices for those who have an immediate need for dental care.
Standalone dental care insurance 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 insurance isn't available to you or it isn?t a good choice. You may also find that purchasing a policy that includes healthcare assurance is similarly unavailable or unattractive. If this is true, a dental discount plan may be your best alternative.
A dental discount plan isn?t insurance. However, it can be a very good deal.
For an annual premium that might be the equivalent of two or three months of dental care assurance 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 health and a dental care insurance policy is not an option.
It pays to look at all of your health and dental expense coverage alternatives if you are self employed. The best option may lay with your spouse or domestic partner's employer-sponsored plan, a dental expense and medical care assurance policy you buy on your own, a standalone dental policy or a discount dental plan.
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