Dental Coverage That Fits an Inspection Business Budget
Skipping dental cleanings to save $200 turns into a $3,000 problem 18 months later — and inspectors who lose billable days to oral surgery feel it twice. A stand-alone dental plan paired with your ACA medical typically pays for itself with one cleaning, and the premium is deductible against your inspection income alongside your medical premium under the self-employed health insurance deduction.
What inspector dental plans cover
Preventive (100% covered)
Two cleanings + exams per year, X-rays, fluoride, oral cancer screenings — usually no deductible, no waiting period.
Basic restorative (70–80% after deductible)
Fillings, simple extractions, periodontal treatment for gum disease, emergency exams.
Major (50% after deductible)
Crowns, bridges, root canals, dentures. Most plans have a 6–12 month waiting period for major work — we'll match you to a no-wait plan if you need work right away.
Orthodontia
Braces and clear aligners for kids and adults, typically with a $1,000–$2,500 lifetime maximum. Important if your inspector household includes school-age kids.
Inspector dental cost ranges
Each premium is deductible alongside your medical premium under the self-employed health insurance deduction.
How dental interacts with your Schedule C
Dental premiums for the inspector, spouse, and dependents are deductible above the line on the same Schedule 1 line as medical — not on Schedule C directly, but they reduce your AGI and SE tax base. Run them through the same calculation we do for medical.
Get a free quote built around your inspection business.
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