Running your own business gives you a lot of freedom. Dental insurance for self-employed workers, however, is usually not part of the package. If you work for yourself in Marysville, paying for dental care out of pocket can feel overwhelming. Most advice about dental insurance is written for people with employer benefits, not small business owners like you.
The Financial Barriers of Self-Employed Dental Care
The Stand-Alone Marketplace Insurance Gap
If you purchase health coverage through the ACA marketplace, don’t assume that dental is included. As HealthCare.gov confirms, adult dental care is not an essential health benefit under the Affordable Care Act.
Insurance benefits for dental care mean buying a separate dental plan and paying the monthly premium. Many of these plans also have waiting periods before they will help pay for treatments other than routine cleanings and exams. You could pay premiums for several months before a filling or crown is covered.
If your income changes from month to month, paying extra for coverage you can't use right away may not make financial sense.
Why Skipping Preventive Visits Increases Long-Term Costs
Putting off dental visits to avoid out-of-pocket costs may seem like a good idea at first. Unfortunately, it may end up costing you more as time goes by.
If your dentist finds a cavity at a routine exam, the solution may be a simple filling. If they don’t find the same cavity until a year later, the only solution may be a crown or even a root canal and crown. The difference between the two options can be several thousand dollars.
As MouthHealthy.org, the American Dental Association's consumer website, notes, dental membership plans offered by dental practices can help. These plans are simpler and can make preventive care more affordable without the rules and waiting periods you would have with dental insurance.
Keeping up with regular checkups helps protect your oral health. It can also help you avoid more expensive treatment in the future.
The Local Solution: Our Premier Wellness Plan and Financing Options
Marysville Dentistry's Premier Wellness Plan is designed for patients like you who do not have dental insurance. There are no deductibles, no waiting periods, and no annual maximums. You pay one flat yearly fee, and your preventive care is covered from the day your membership begins.
You can choose from three options:
- Child Membership (Under 14): $249 per year: Includes two cleanings, two routine exams and x-rays, two fluoride treatments, discounted emergency visits, 15% off restorative treatment, and $500 off orthodontic treatment.
- Adult Membership (14+) — $399 per year: Includes the same preventive care and discounts as the child plan, with first-year benefits valued at up to $863.
- High Risk Membership — $699 per year: Includes four cleanings, two routine exams and x-rays, four fluoride treatments, discounted emergency visits, 15% off restorative treatment, 25% off periodontal treatment, and $500 off orthodontic treatment.
The plan also covers professional services including implants, root canals, clear aligners, crowns and bridges, veneers, and periodontal gum therapy at the discounted rates listed above.
Flexible Financing for Your Business Cash Flow
For treatments not covered by the membership plan, Marysville Dentistry offers CareCredit and Cherry financing. Both let you spread payments over time rather than paying a large dental bill all at once. These options are easy to apply for, and you can use them with your membership plan benefits.
If you are self-employed and looking for dental insurance options or an affordable dentist with no insurance in Marysville, the Premier Wellness Plan may be worth considering. Contact Marysville Dentistry to learn more or sign up today.