Getting Dental Coverage Without an Employer in Logan County
Sterling anchors Logan County's agricultural economy in northeastern Colorado — sugar beet farming, cattle, and grain production define the region, where many working residents buy dental coverage on their own.
Working for yourself means no group dental plan to join. Health insurance and dental insurance are separate purchases for most adults, because adult dental isn’t an ACA essential health benefit. Whatever health plan you pick through Connect for Health Colorado, adult dental coverage is a separate decision in Logan County.
What to Look for in a Self-Employed Dental Plan in Logan County
Compare dental plans on what they pay, not just what they cost: the annual maximum, the deductible, the waiting periods for basic and major work, and whether your dentist is in the network.
Waiting periods are the catch. On SecureDental PLUS, cleanings are covered right away, fillings after 1 month, and crowns, bridges and orthodontia after 12 months, and HealthCare.gov warns that separate dental plans in general can have waiting periods for adults.
The only reliable network check is the plan’s own provider directory, followed by a call to the office. Dental practices in Logan County move in and out of networks, so do it before you enroll rather than after.
Dental Insurance as a Business Expense in Colorado
If you’re self-employed, dental premiums for yourself, a spouse and dependents generally count toward the self-employed health insurance deduction, which can’t exceed your business’s net profit, isn’t available for months you could join an employer-subsidized plan, and cuts income tax but not self-employment tax.
If you own more than 2% of an S corporation, the premiums generally have to be paid or reimbursed by the company and included in your W-2 wages before you can take the deduction. A CPA can set that up.
Marketplace dental in Colorado runs through Connect for Health Colorado rather than HealthCare.gov, and it is tied to the exchange’s enrollment periods. Off the Marketplace, a stand-alone dental plan isn’t tied to Open Enrollment at all. Use the ZIP code form below and Daniel will send you the dental options for your address.
A stand-alone dental plan is an excepted benefit: it isn’t minimum essential coverage and doesn’t replace health insurance.
Call (713) 575-9904 to compare dental plans for your address in Logan County, with the network checked before you apply.