Dental Coverage for the Self-Employed

by Sara Fossum

Dental-Coverage-Self-EmployedThis is an age of entrepreneurial innovation. Professionals are passing on corporate life and becoming their own bosses. Today, freelancers, the self-employed and contract workers account for 30 percent of the national workforce, and that number is expected to increase to 40 percent by 2020.

Working outside the box means accounting for all the details, including dental benefits. When freelancing or owning a business, one should reviewing these steps when considering coverage:

Evaluate needs

Family experience, dynamic changes, and having a health condition that may require more dental attention — factor in every scenario to choose the best coverage for a comfortable lifestyle.

Remember: Even if someone has never had a cavity, dental coverage is always a good idea.

Consider all costs

When a person is self-employed, dental coverage affects the bottom line. Researching benefit providers’ costs is crucial:

  • How much does it cost per month?
  • Is there a deductible?
  • What’s the waiting period?

Remember: In the long run, paying out-of-pocket could end up costing more than having coverage in the first place.

Research alternatives

When working an alternative style, plan to match. Here are some alternative options for coverage:

Savings Accounts — Medical Savings Accounts, Health Savings Accounts and Flexible Spending Accounts are good options to help save up for dental or health care. They work like a savings account for dental and health expenses.

Government Assistance — Business owners should consider circumstances, as they may qualify for certain low-cost programs.

Have questions? For more information, visit

Sara Fossum is the Social Media Coordinator at Delta Dental of Arizona

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