Dental Insurance for Construction Subcontractors Between Jobs
General contractors don't hand out dental benefits, so it's on you to line it up. For as little as $19 per month, Sub Pro Health can connect independent construction subcontractors with a plan that covers preventive care, restorations, and major procedures - coverage that keeps working even when you're between jobs.
What Does Dental Insurance Cover?
Dental insurance is typically structured in three tiers - Preventive, Basic, and Major - each covered at different percentages:
Preventive Care (Usually 100% covered)
Routine cleanings (2x per year), annual dental exams and X-rays, fluoride treatments, sealants for children, and oral cancer screenings.
Basic Restorative (Usually 70-80% covered after deductible)
Fillings (composite and amalgam), simple tooth extractions, periodontal treatment for gum disease, and emergency dental exams - useful if a jobsite accident chips or cracks a tooth.
Major Procedures (Usually 50% covered after deductible)
Crowns, bridges, and inlays. Dentures (full and partial). Root canals and endodontics. Oral surgery and complex extractions. Dental implants available on select plans.
Orthodontics (Varies by plan)
Braces for children and adults, Invisalign and clear-aligner discounts, retainers and post-treatment care. Coverage is typically capped by a lifetime maximum that varies by plan.
Dental Insurance vs. Dental Discount Plans - What's the Difference?
Dental insurance operates like traditional health insurance: you pay monthly premiums and the plan pays a percentage of your dental bills after your deductible is met, up to an annual maximum. Dental discount plans are membership-based programs where you pay a flat monthly fee and receive pre-negotiated discounts when you visit in-network dentists. There's no deductible, no annual maximum, and no claims process - just a discount card. For a subcontractor whose income varies month to month, Sub Pro Health helps you figure out which option - or combination - fits your dental care needs and your budget.
What Does Dental Insurance Cost?
Plans start around $19/month for an individual and scale up based on coverage tier, orthodontic add-ons, and whether you're covering a family. Your Sub Pro Health agent will show you exact pricing for your ZIP code as part of your free quote.
Finding In-Network Dentists
Sub Pro Health works with dental plans that include large dentist networks - including Delta Dental, Cigna Dental, Humana Dental, Aetna, MetLife, and Guardian. Most plans give you access to dentists nationwide, which matters when your jobs move you across county or state lines throughout the year.
Ready to see your options?
Answer a few quick questions and a licensed advisor will email your personalized plan options within one business hour. 100% free, no obligation.