Should I Get Dental Insurance?

January 28, 2010 by Silicon Valley Blogger

Not happy with health care costs! Especially as a small business owner.

dental insurance
Image from Training Time.

Here’s a very simple question and I’d love to get your thoughts on it. So having our own business, we carry our own insurance. But we don’t have dental insurance, because it seems that dental insurance premiums plus co-pay and out-of-pocket expenses may equal to whatever it is you’d be paying anyway, if you had no insurance at all. I talked with our dentist about it and their suggestion was to make estimated calculations to figure out whether dental insurance is worth getting at all.

And since dealing with insurance matters is my #1 most dreaded financial task (with taxes a close second), I’m not particularly excited about the prospect of shopping for dental insurance. Well it’s either that or spending $600 for each filling! With one of my kids being cavity prone (and he’s under 6), it will cost us a fortune to remain insurance-free, so we’ll have to carve out some time here to check out the alternatives. Here’s hoping that there ARE cheaper alternatives.

So if you’re self-employed, have you gotten yourself or your family any dental insurance?

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On to other financial matters. So what have I been reading this week? My article roundup today yields this great list. Do stop by and take a peek at what some of my friends are doing!

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