Category Archives: Self Employed

Check out our Self Employed category for dental insurance information for self employed individuals in Oregon.

Taking care of dentures

Oregon seniors need to take care of their dentures just like they take care of their teeth.  All surfaces of your dentures need to be cleaned daily wit a brush applying soap or detergent with water.  When not in sure they should be placed in water.  Clean the water out daily.

If you are wearing your dentures for the first time, your dentist will usually sit you down and explain the following:

  • Your dentures will feel strange when you first use them.  Especially when you eat.  So cut your food into small pieces.
  • Your dentures will make your mouth less sensitive to hot foods and liquids.
  • It will also make it more difficult for you to notice things like bones while you are chewing so be careful at first.

Most dentures are covered under self employed dental insurance plains include Medicare.  Just check with your insurance company when the time comes when you will need to get them.

Dental Discount Plans

A Dental Discount plans are not dental insurance plan but one where the individual get a specific discount on specific services. For example, you go to the dentist and say something normally cost $100 to fix a caviity.  With a dental discount plan, if the discount is 20% then instead of paying the normal $100 you would only pay $80 thus getting a 20% discount on your services. These types of plans usually require you to pay an enrollment fee and a monthly fee to the dental discount plan provider but the fees are less than insurance. The down side is that your dentist choices are limited since the dental insurance plan.

A dental discount plan may be a good fit when a employer does not offer any type of dental insurance and is not willing to negotiate a plan in the workplace. But for others, purchasing dental insurance through their employer would be better since they have a family to insure and a history of dental problems. And in some instances, you may feel just fine paying for a dentist out of pocket and are not interested in paying premiums all the time for dental insurance.

Self Employed Dental Plan

55% of American get their dental insurance through their work.  So if you are self employed, you will either need to add it to your existing medical insurance plan or get one separately.  There are many options available for self employed dental insurance.  They range from expensive dental plans that charge a high monthly premium which can cost as much as $100 a month but you will get more coverage than other plans.

Dental insurance for self employed individuals can be complicated because you’re typically only going to be interested in standard, preventative dental coverage. Complex procedures are not the norm and may not be thought about when you are researching which policy to buy.  Getting a root canal, may be a rare occurrence but can be costly. So you will need to figure out how much coverage you will need. If you haven’t been to a doctor in several years, there is a good chance that you will need a lot of work especially if you are experience tooth pains.  The real key is to find affordable dental insurance by doing research and searching through many different dental provider as possible.