Does Dentist Insurance Extend to Employees?
Whether dentist insurance extends to employees depends on the terms of a policy. In many cases, employees do receive coverage This has two main potential applications.
Dentists who are in private practice and purchase a dentist policy usually get a policy that also covers hygienists. This ensures that the practice is well covered, and it prevents hygienists from needing their own insurance for work.
Dentists who are employees of a practice usually have coverage through their employer, whether that’s a practice, medical facility or other organization. Sometimes nonprofits that offer dental care also have dentist coverage that applies to their employees and/or volunteers.
Any employer-provided coverage likely only applies to services done within the scope of that employment. Side gigs and volunteer work (unless done for an organization that provides insurance) are unlikely to be covered by an employer’s insurance.
Do Dentist Insurance Extend to Independent Contractors?
Whether dentist coverage extends to providers who work as independent contractors likewise depends on the terms of an organization’s policy. Independent contractors generally are less likely to be covered by an organization’s insurance, though.
Before beginning any work as an independent contractor, dentists should first determine whether they receive any coverage. An experienced insurance agent can assist with this.