Do you own your own business? If you do, finding affordable insurance options of all types is probably important to you. Dental insurance is one type of coverage that is very expensive and difficult for many self employed people to afford because they don’t have an employer to help pay for it. This article details several affordable dental insurance options for business owners.
1) Take advantage of the business networking group that you belong to. If you don’t belong to one, it may be worth it to join just for the lower dental insurance rates you could get. Of course, forming new business relationships, getting referrals, and a lot of other advantages will come with joining as well. These groups are made up almost entirely of self employed people who all face the same challenges as you, when it comes to finding affordable insurance policies of all types. Getting a group together and applying for dental coverage will provide each member of that group with lower rate quotes. Generally speaking, the larger the group is, the lower the rates will be for everyone.
2) Opting for a discounted dental plan may be a better option for you than traditional insurance. Paying a small annual fee to be part of a discount dental plan and getting access to that plan’s network of dentists that provide discounted dental work, may be the best way for you to get affordable coverage. You will pay more out of pocket for all dental procedures, but you will save a lot of money by not having to pay expensive dental insurance premiums. How often you go to the dentist, and the type of work you commonly need done, will dictate whether or not this is a viable option for you.
3) State run programs may be available to you. As the economy has slowed, many state governments have formed programs to help small business owners. Some of these programs are in place to make insurance policies of all kinds affordable. Check with your state health department to find out if there are any programs available to you for dental coverage.
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