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4 reasons home-based businesses win with dental insurance

As a business owner you insure your business for business risks, but are you covered for health risks?

Everything runs smoothly because it runs through you, and you always have to be on top of your game. As a responsible owner, you insure your business for all sorts of business risks, but are you adequately covered for risks due to ill health?

Thanks to the Affordable Care Act more and more home-based business owners now have affordable health insurance. That’s great. But did you know dental work isn’t covered?

Accidental damage to your teeth or gums can be as debilitating as broken bones. Failure to insure for dental care can place a huge risk on your business.

You may believe you can’t afford another expense, but there are many reasons why dental insurance provides great value for money:

1. You will always use it

Dental plans are something you can be certain you’ll claim against every year. The cost of regular cleaning and annual X-rays, which is often the minimum recommended to maintain healthy teeth, will be met by your insurance.

If you are unlucky and find you need extra work done, dental insurance could save you hundreds or even thousands.

2. It’s cheaper to have insurance in the long run

Understandably, if there isn’t an immediate problem with your teeth, it can be difficult to justify the cost of visiting a dentist when you don’t have insurance.

But failure to visit the dentist is storing up problems for the future. You could have problems already, but not be aware of it. Finding out about gum disease or cavities early can prevent bigger, more expensive, problems such as oral infections or tooth extractions later.

3. It can save you pain, as well as money

If you have put off buying dental insurance until you need it, remember waiting periods normally apply and you can’t claim for dental work for up to 12 months in some cases.

Not only is emergency treatment likely to be more expensive than preventative work, it could also be incredibly painful to wait for it. Could you run your business for several months in pain while you wait for treatment?

The only alternative would be to pay for the necessary procedures out of your own pocket. Can your income cover unexpected dental costs which could run into thousands?

4. It’s easy to buy affordable dental insurance

As a business owner, you already have a long list of essential tasks which need to be done; sourcing dental insurance is probably not top of your list. But many insurers now offer online services and you can buy and tailor plans to meet your needs from your computer.

Remember, if you’re really too busy to find a plan, then you’re definitely too busy to deal with emergency surgery or the pain involved in delaying treatment.

If you don’t already have dental insurance, ask yourself the following questions:

  • Can your business run with you out of the game?
  • Can you give the 100% necessary to deliver the service your customers expect while living with the pain of dental problems?

If you can’t afford to risk being uninsured for dental work, check out the affordable Guardian Life plans and make an informed decision about the cover you need.

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Brought to you by The Guardian Life Insurance Company of America (Guardian), New York, NY. Material discussed is meant for general illustration and/or informational purposes only and it is not to be construed as tax, legal, investment or medical advice.

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