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elf-employed man or woman might have several place they can look for dental care insurance. They may be able to purchase a group insurance plan, a combined dental and health insurance policy may be something they can purchase directly from an insurance carrier,[link widoczny dla zalogowanych], a standalone dental care insurance policy may be available and simply paying for care out-of-pocket is another choice.
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,[link widoczny dla zalogowanych], 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 options available through his or her employer.
The second best alternative may be to get a dental expense insurance policy that is part of a package that includes medical 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 policies that are available through large employer sponsored policies.
Standalone dental care insurance is also an choice, however,[link widoczny dla zalogowanych], dental discount policies are often better. (See below).
Standalone dental policies are often purchased by those who need immediate dental care coverage. This drives the price up and lowers the benefits available. insurance 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 Care discount plans are often much better choices for those who have an immediate need for dental care.
Standalone dental 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 coverage isn't available to you or it isn’t a good option. You may also find that purchasing a policy that includes health care protection is similarly unavailable or unattractive. If this is true, a dental discount plan may be your best option.
A dental discount plan isn’t insurance. However, it can be a very good deal.
For a yearly premium that might be the equivalent of two or three months of dental care assurance premiums a dental 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 acquire 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 medical and a dental insurance policy is not an option.
It pays to look at all of your health and dental expense coverage choices if you are self employed. The best option may lay with your spouse or domestic partner's employer-sponsored plan,[link widoczny dla zalogowanych], a dental expense and health insurance policy you get directly from an insurance company, a standalone dental policy or a discount dental care plan.

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