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• 23 Nov

Does your current job offer you a health insurance policy? According to a survey by the Kaiser Family Foundation, 96.7% of all large firms offer health insurance to their employees, while only 31% of small firms offer health insurance benefits to employees. Smaller firms are not obligated by law to make contributions to Obama care.

Therefore, someone working in a small church window restoration company may have lesser access to health insurance than someone working in a major accounting firm. However, this is not always the case. Some small firms offer some of the best dental insurance for major services.

If you are looking for a career, won’t you be excited to learn they have the best dental insurance for major services? When it comes to jobs, some offer better insurance than others. In this article, you’ll learn about the services catered for by a dental care plan and careers with the best dental insurance for major services.

Types of Services in a Dental Care Plan

A dental care plan can cater to three types of services: preventive, basic, and major. Most dental insurance policies cover a big percentage of preventive services, a few basic services, and almost none of the major services. So, if you can get a major services dental plan, you could access the other services. Let’s look at the three services and how they can benefit you.

Preventive Services

They are practices a patient undertakes under the guidance of a family dentist. They include regular flossing, daily brushing, and eating a balanced diet. Your dental care plan will cover oral evaluations, x-rays, fluoride treatments, and educational instruction.

Most dental care plans have co-paying options, meaning you will pay a percentage of the total cost depending on your dental insurance provider. If you practice good oral hygiene and have never had a history of tooth problems, it’s unlikely you will need a dental care plan that covers major services.

Basic Dental Services

These are dental services that are straightforward to perform without having high-level technical skills. The dental practitioner doesn’t need elaborate equipment to perform check-ups and procedures. Some of the services covered in a basic dental services care plan include emergency care for pain relief, tooth extractions, and non-routine x-rays.

Like preventive services, insurance plans that cover basic dental services use a co-payment approach. However, depending on the service provider, you can get full basic service coverage. For example, if you are a business person who owns a tree removal company, you can purchase your dental care plan customized to your needs.

Major Dental Services

Major dental services are the most elaborate and expensive dental procedures. The dental practitioner must have extensive technical skills to perform delicate procedures. They also need elaborate equipment. Some major services include bridge work, dental crowns, wisdom tooth removal, and partial denture removal.

Even the best insurance for major services uses co-payment options, with some insurance providers meeting 50% of the cost. Insurance providers will also put a maximum cap on the amount you can use per visit or year on major dental services. A major service insurance plan will be helpful if you’ve had dental procedures or major dental issues.

Major services are essential for alleviating intense dental pain from costly procedures. For example, if you or your loved one were in significant dental pain, it could be devastating if health care was unaffordable. An insurance plan that covers such incidences would help reduce anxiety for you and your loved ones.

Why You Need Major Dental Insurance for Major Services

For some people, going to a hospital doesn’t cause anxiety. They can easily settle hospital bills if they fall ill. But they are in the minority. For many Americans, health insurance remains a luxury they couldn’t live without.

For employees, having employer-sponsored health insurance is an attractive incentive to remain in the company. For business owners, affording a health insurance policy is a sign a business is doing well. The latest data from the U.S. Department of Human Health Services shows that in 2019, 70.5% of people aged 65 and above had dental insurance.

Even with such coverage, dental care plans will often only cover preventive and basic services. Major service coverage will give you the widest coverage since no procedure is covered. Even if you have to co-pay, it’ll be comforting to know that your insurance covers you when your dental health is most vulnerable.

8 Careers that Offer Best Dental Insurance for Major Services

When settling for a career, there are many options, including civil services such as police work, private corporations, and business such as custom metal fabrication services. Interest and passion should probably be the first factors you consider. Pay and benefits are other significant factors to consider.

If you had two job possibilities and the difference was benefits, it would make sense to settle for a career that offers you benefits. Health insurance should top the list of benefits you can receive. However, not all careers offer dental insurance. Here are careers you could consider if you are looking for the best dental insurance for major services.

1. Join the Military

The military offers the best healthcare insurance packages for active and non-active personnel. Furthermore, these benefits are available regardless of the military branch you join. You’ll likely get the benefits through the government’s Tricare program, which has medical and dental care plans. According to Millitary.com, you’ll automatically enroll on Tricare if you’re an active personnel.

Since Tricare dental insurance plan is a type of Preferred Provider Organization(PPO), you will get discounts and a Tricare network of dentists. The dental care plan includes all services, from preventive to major. Some of the major services you can access with your insurance plan include major vital services such as crowns, implants, dentures, and orthodontics.

2. Join the Police Force

Joining the civil service is one of the best ways to access the best dental insurance for major services. As a police officer or detective, you can expect a salary of about $67290, which is pretty comfortable in most states. After 20 years of service, you can retire and access multiple health insurance benefits.

As a police officer, you’ll have to contribute part of your salary, and the police department contributes the rest. You’ll have access to multiple medical care plans, including dental insurance. If you work for the federal government, you’re entitled to the Federal Employee Dental and Vision Insurance Program (FEDVIP), which was instituted in 2004 to offer dental and vision insurance to federal employees.

3. Become a Nurse

Nursing is one of the fields with an ever-growing demand because of the increase in healthcare demand. Nurses can work in government, non-profit, and private healthcare centers. You’ll likely receive more defined dental insurance when working in a hospital. In 2022, the U.S. Bureau of Labor and Statistics reported that registered nurses brought in an average of $82 750 annually.

Apart from a competitive salary, registered nurses have access to multiple benefits, including health insurance, disability insurance, dental insurance, 401(k), and relocation assistance. The dental insurance plan will vary from employer to employer, but registered nurses can expect comprehensive coverage.

4. Start a Business in Sanitation

Although working for the government offers multiple benefits, not everyone is cut for civil service. So you may opt to become an entrepreneur. Having a business such as a dumpster rental business doesn’t mean you can’t get the best dental insurance for major services. You could get a custom dental care plan.

One of the fields you can consider is sanitation. There’s gold in the muck, and starting a business in sanitation may have lower barriers. For example, you could start a business providing septic tank cleaning business. According to a 2018 IBIS report, the sanitation industry makes about $3 billion annually. With a successful business, you could afford a private dental care plan that covers major services.

5. Start a Business in the Construction Industry

Another industry you could venture into to make enough to pay for dental insurance is the construction industry. According to Forbes, you need to pay about $47 per month for a comprehensive individual dental insurance plan. The cost may vary depending on the provider and dental clinics. Yet with a business in the construction industry, such as providing industrial sandblasting services, you could make enough to cover your insurance.

The construction industry is growing, and so are businesses and workers’ wages. According to Statista, the construction industry was worth $1.6 trillion in 2021. You don’t have to offer all the services, just niche down, for example, by offering professional basement waterproofers. You’ll have enough to cover your health insurance package.

6. Start a Consultancy Firm

One of the flexible ways to make an income is offering consultancy. It would work, especially if you have had a long career in any field. For example, if you worked in a business-oriented field such as oil and gas, you could offer consultancy on how to do residential oil delivery.

According to Glass Door, you could take home a median total pay of $85,786, which is above the average salary in the U.S. You would then have the freedom of choosing the best dental insurance for major services, regardless of where you lived. You could even choose a preferred dentist for you and your loved ones.

7. Become a Freelancer

If you don’t fancy the hustles of running a business or working for the government, a career in the gig economy could suit you while making enough to cover dental insurance premiums. If you’re a nomad who doesn’t enjoy staying in one place for too long, all you need is the contacts of the best moving company, and you can move your life around as you please.

According to the U.S Bureau of Statistics, over 10 million people are self-employed in the U.S., So it won’t be a surprise that some insurance entities exist to provide health insurance for self-employed people. With a freelancing career, you could offer your skills to service companies such as a legal firm or roof replacement company and make six figures while at it.

8. Become a Tech Expert

One of the careers with comprehensive employee packages is software development. If you work in the tech field, whether you have a business, offer consultancy, or are employed, you’re likely to have a comprehensive healthcare package. For example, if you work in a company such as Google or Microsoft, you’ll get access to multiple benefits for you and your family.

Big firms in the tech industry are looking to attract the best talents possible, and they won’t hesitate to use incentives such as insurance coverage. For example, previous employees of Google highlighted dental insurance as one of the benefits offered to employees. Google employees have a $20000 maximum cap on lifetime dental coverage, which includes major services. While you don’t have to end up at Google or Amazon, a tech career might mean multiple health coverage benefits.

Final Thoughts

If you have the advantage of choice when it comes to a career, it’s best to pick one with the most benefits. Health and living costs have soared high, and your salary might be unable to keep up. However, if you have an employer or business that offers you comprehensive health insurance, you’ll have fewer things to worry about.

If you want the best dental insurance for major services, we have offered you a list of careers you could choose from. The list isn’t comprehensive, but it can offer guidance. For example, you can work in the civil service, business, or private corporations and still get the best dental insurance for major services. All you need is to choose.