Notice

Change Healthcare announced a breach of HIPAA privacy and is reaching out to individuals whose personal information may have been compromised. Although this incident does not involve Delta Dental of New Jersey or Connecticut, Change Healthcare is a vendor we used and we are providing this information to help our members who might be affected.

Dental and Vision Insurance for Freelancers and Independent Contractors

In the dynamic world of gig and freelance work, where individuals enjoy the freedom of setting their schedules and pursuing diverse opportunities, one crucial aspect often overlooked is dental and vision insurance. While the gig economy offers flexibility and autonomy, it also brings unique challenges, especially concerning healthcare coverage. The right insurance holds significant importance for gig and freelance workers, playing a vital role in their overall well-being and financial security.

For freelance workers and independent contractors, maintaining good oral and vision health is not only essential for personal comfort and confidence but also for professional success. Dental and vision issues can arise unexpectedly, causing discomfort and hindering productivity. With dental insurance, independent contractors gain access to essential preventive care, such as routine check-ups and cleanings, which can help detect problems early and keep them from escalating into more serious and costly issues. Vision insurance also includes regular exams designed to prevent bigger problems, as well as covering much of the cost of frames and lenses. Workers who feel and see their best are free of time-consuming health distractions, allowing them to maintain focus on their careers.

 

Employees get more with Delta Dental and DeltaVision

Delta Dental + DeltaVision® offers:

piggy bank 

Preventive care visits covered up to 100%

 

Access to the largest local and national networks with over 155,000 dentists and over 110,000 vision providers

 

Plan options with no waiting period

 
 

Discounts on hearing care services

Dental and Vision Insurance for Freelancers and Independent Contractors

A wide range of individual dental and vision insurance plan options designed to meet your needs and your budget. 


Ready to purchase or have a question?
Call us! 855-275-3358


Summary of benefits: Each individual dental plan offers different coverage, deductibles and coinsurance (where required). These plans do not comply with the Pediatric Essential Health Benefit requirement of the Affordable Care Act (ACA).

View Family ACA Qualified Dental Plans

Classic Plan

Economical coverage, with cost-sharing on all covered services with a monthly contract
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Starts at
$45.14*
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Plan year maximum$1,000
Per person per plan year
Deductible$50
does not apply to routine procedures
Preventive Care20%
Cleanings, exam, x-rays and fluoride
Fillings50%
6-month waiting period may apply
Crowns50%
12-month waiting period may apply
Root canal50%
12-month waiting period may apply
ImplantsNot covered
Non-Surgical Extractions50%
Gum disease deep cleaning50%
12-month waiting period may apply
OrthodonticsNot covered
Annual ContractYes
Waiting PeriodsMay apply
Plan Details Collapse

Clear Plan

No guessing: fixed out-of-pocket costs, no waiting periods or dollar maximums*
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Starts at
$49.00*
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Plan year maximumNone
Per person per plan year
DeductibleNone
Preventive Care$60
Cleanings, exam, x-rays and fluoride
Fillings$120
Copay
Crowns$750
Copay; 1 tooth per 12 months
Root canal$500
Copay; 2 teeth per 12 months
Implants$2,500
Copay per tooth; 1 tooth per 12 months
Non-Surgical Extractions$120
Copay per tooth
Gum disease deep cleaning$120
OrthodonticsNot covered
Annual ContractYes
Waiting PeriodsDoes not apply
Plan Details Collapse

Enhanced Plan

Full preventive coverage, cost-sharing for restorative and major services
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Starts at
$58.42*
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Plan year maximum$1,000
Per person per plan year
Deductible$50
does not apply to routine procedures
Preventive Care0%
Cleanings, exam, X-rays and fluoride
Fillings20%
Crowns50%
12-month waiting period may apply
Root canal50%
12-month waiting period may apply
ImplantsNot covered
Non-Surgical Extractions50%
Gum disease deep cleaning50%
12-month waiting period may apply
OrthodonticsNot covered
Annual ContractYes
Waiting PeriodsMay apply
Plan Details Collapse

Premium Plan

Highest maximum, lifetime deductible, implant coverage with largest network
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Starts at
$63.24*
Get Quote
Plan year maximum$2,000
Per person per plan year
Deductible$100
per person per lifetime
Preventive Care0%
Cleanings, exam, X-rays and fluoride
Fillings20%
 
Crowns50%
12-month waiting period may apply
Root canal50%
12-month waiting period may apply
Implants50%
12-month waiting period may apply
Non-Surgical Extractions50%
12-month waiting period may apply
Gum disease deep cleaning50%
12-month waiting period may apply
OrthodonticsNot covered
Annual ContractYes
Waiting PeriodsMay apply
Plan Details Collapse

* These are primarily Adult in network benefit highlights only. Monthly premiums shown are examples only of our lowest monthly rates for family coverage (subscriber & spouse, ages 26-50; plus one child, ages 0-25). Actual rates vary based on plan choice, your age, your location, number of people insured, their age, and relationship to you. Waiting periods may be waived if you had qualifying dental coverage prior to enrolling. Plans may have certain limitations and exclusions. For full details of plans, benefits and pricing, please visit DeltaDentalCoversMe.com.

 

Transparency in coverage