Financing Options for Dental Work

DentistDental care can be expensive, and if you can’t afford it then you might think that your only option is to wait, but if you wait then you may end up faced with a more expensive and difficult problem like root canal treatment near Yateley. There are some practical options for financing your dental work, and there may be some ways that you can reduce the up-front bill too.

Work With Your Provider

The Wisconsin Dental Association reports that around half of all dental patients pay for their care out of pocket. If you’re one of those people then the expense of checkups, cleanings and treatments can quickly mount up. If you’re in need of multiple treatments, then consult with the office manager or with the payment department at the dental office. They may be able to work out payment plans for you, or at the very least help you to prioritise treatments and identify cost savings on your care so that your dental health is protected.

Start a Payment Plan

Finance plans can help you to pay what you can afford on a monthly basis, and there are a lot of options out there, some individual plans and some plans for the whole family. Your dentist will be able to recommend options.

In-office Plans

Some practices offer discounts or benefit plans. These plans are similar to insurance policies. You pay a monthly fee, or an annual fee, and then get a discount on regular treatments. The American Dental Association says that most of the in-office plans you will find cover preventative treatment such as dental exams, cleaning and x-rays at no extra charge.

Regular Payment Plans

If you need to pay for an expensive treatment then many dentists will allow you to do so by spreading the cost, although there may be an interest amount. Many plans have interest-free periods, but if you don’t cover the balance before that period is up then they will start charging. You should work out what you can pay each month, and calculate the interest as well.

Use a Medical Credit Card

Medical credit cards are similar to standard credit cards, but they are only for use on medical costs. The consumer financial protection bureau says that those payment plans and cards usually offer a deferred interest period, and if you cover the balance before the interest-free period is up then you won’t have to pay any extra. Be sure to read the terms and conditions closely, because the fees can be high if you fail to clear the balance, and you might also find that if you make only the minimum repayment it takes years to pay off the whole balance.

Loans from a Credit Union

Credit unions offer affordable borrowing, and many of them are willing to work with people who are not able to get credit from mainstream lenders. This makes them a good option if you cannot afford dental care the traditional way but also can’t get a credit card.

Discounted Options

There are many options for getting low-cost dental care, so if you can’t get a plan or afford to borrow money for care from a standard commercial dentist, then you should shop around for affordable options, such as:

State Dental Association Events

Some state dental associations run events where volunteer dental professionals provide free treatment to those in need. Patients who attend the events can get free fillings, root canals or extractions, and general dental advice.

Low-cost Clinics

Contact the Health Resources and Services Administration for advice about low-cost clinics in your state. These clinics offer a range of services to help people keep their teeth healthy.

Dental and Hygiene Programs at Universities

Getting treatment at a university clinic can be 40-60% less than paying for the same treatment at a commercial clinic. The treatments are done by students in their final years of education. The students get to practice their craft under the supervision of a qualified dentist, and you get to save money. You can find information about nearby programs via the Commission on Dental Accreditation.

Whatever you do, don’t delay getting dental care.