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Employed Without Dental Coverage — Now What?

Employed Without Dental Coverage — Now What?


Congratulations on your new job! Whether you recently got hired on or are even newly self-employed, it can be a very exciting time. What’s not exciting though, is when your new job is lacking in the dental benefits department. Although health insurance may be a required benefit that many companies must offer their employees…dental coverage is not.

Talk to Your Human Resources Department

One of the first steps you can take to find an affordable dental insurance plan is to discuss the issue with your company’s human resource department (if applicable.) Some businesses offer optional dental insurance or dental discount plans to their employees. Or, HR may be able to refer you to a provider that will offer you a lower price on a plan purchase.

Buy Your Own Dental Insurance Plan

Maybe getting dental benefits under your employer isn’t going to be an option (especially if you are the employer.) The next step is to contact insurance companies directly to find out what plans are available in your price range. Buying your own individual policy has many added benefits, including:

  • Discounted rates on care, built around your unique needs or concerns
  • Freedom to select a network of providers of your choosing
  • Control over the benefits that you receive
  • Direct access to your carrier, to discuss services that are covered
  • Tiered plans to choose from (not the same one everyone else receives)

Essentially, being your own insurance coordinator gives you more flexibility than you would have if your employer paid for your coverage. You might even find that your benefits are better than the one available through your company. While your initial reaction was negative…it turns out, this may be a blessing in disguise.

Consider a Dental Discount Plan

An alternative to a traditional dental insurance plan is a dental discount plan. Joining a plan lets you access to a network of dentists who have agreed to provide reduced rated to plan members. Dental discount plans can be used at any participating provider, and you pay the reduced rate directly to the dentist so there are no worries about getting insurance claims refused, or waiting for reimbursement.

Go Without Dental Care

There’s always the option of skipping your visits to the dentist. After all, if nothing hurts, you must be ok…right?

Well, not necessarily. Many dental problems don’t exhibit symptoms whatsoever. Even a badly abscessed tooth may not hurt at all. But if your dentist saw you regularly, he could have caught the infection when all you needed was a small affordable filling (instead of a root canal and crown.)

As such, it’s more cost effective and healthy for your smile to see your dentist on a routine basis. To find an affordable dental office in your area, contact dental insurance professionals like the ones at Adding a discounted insurance or savings plan could save you thousands of dollars in potentially unnecessary dental work down the road.

Talk To A Dental Savings Expert

Most people — with healthy teeth, that is — benefit from a preventive dental care appointment every six months. People with chronic dental issues may need to be seen more frequently. These routine visits allow your dentist to intervene before bigger and more expensive problems pop up.

Fortunately, the dental discount plans available through help make preventive and restorative dental treatments far more affordable. Contact us today to learn more about the plans available in your area. You’ll be amazed at how much you can save on dental care!

Save 10% to 60%* at the Dentist!

With a Dental Savings Plan.

Start Saving Now