Tips on How To Finance Your Dental Work

Jannie Delucca

There are no secrets that most dental work usually ends up costing a lot of money. You may think that the only option available to you includes waiting until you have saved up enough money, but in most cases, this will only make your dental problems worse, and it usually ends up costing more. Below are a few practical tips on how to finance your dental work, along with ways to find a private dentist in Fleet or anywhere else for a discounted price.

Work with Your Dental Provider

The Wisconsin Dental Association stated that around 50% of patients that require dental treatments pay out of their own pockets. If you are in this category, your checkups, cleanings, and any treatments that you may require, usually add up fast.

When you require a number of different treatments, it is always a good idea to talk to the payment specialist or office manager at the dental office that you use. They can usually work with your dentist and you to come up with a payment option. This usually includes determining the work that needs to be prioritised and a review of the fillings or crowns that are available to match up to your specific needs.

Financing Dental Care

Financing can often assist you in paying for what is affordable to you, and today there are various payment options to consider.

1. In-Office Benefit Plans

Some of the dental practices provide benefit or discount plans. These plans are similar to insurance policies, where you will pay either an annual or monthly fee in order to receive services that are discounted. The ADA (American Dental Association), states that in many cases, the preventative treatments which include exams, cleanings, and X-rays, are typically included in these plans at no extra costs.

2. Payment Plans

The dental provider that you use may provide a payment plan for your treatments, which will allow you to pay off the costs over a set time frame. You should still consider the interest rates included in these plans. Some of the plans are offered with an interest-free period, but after that time has elapsed, interest will be charged. Make sure you work out what you are able to afford towards these monthly payments and ensure you have included the interest too.

3. Medical Credit Cards

Medical credit cards work in a similar way to traditional credit cards. The only difference would be that you would only be allowed to use the card to pay towards your medical costs and only with providers that accept this type of card, which is information provided by the Consumer Financial Protection Bureau. Similar to the payment plans, this type of card usually offers an interest-free period, allowing you to settle the amount owed without having to pay any interest. With some of these cards, you may be afforded the option of only having to make payments towards the balance once the interest becomes due. Consider these terms closely, and pay close attention to the interest rates before you apply for this type of card.

4. Credit Union Loans

If you belong to any of the credit unions, applying for either a loan or credit card through your credit union will usually mean you are offered with an interest rate that is lower. The National Credit Union Administration advises that the credit unions usually offer a lowered loan rate and reduced fees, which could assist you with financing your dental work.

5. Finding Discounted Dental Treatments

Another method to try and obtain the dental treatments that you really need at costs that are affordable to you is to try and find providers that offer discounts on dental work. Here are a few you may want to consider:

• State Dental Association Events

The State Dental Association in your area might organise events with low-cost or free care. The CDAF (California Dental Association Foundation) for example, provides dental care from volunteer dentists at various events. Patients are able to receive treatments for free like extractions, fillings, and in some cases even a root canal.

• Low-Cost Clinics

Through the Health Resources And Service Administration, clinics are able to offer various dental treatments for free or on sliding scales according to what you need. The administration’s Find a Health Center tool is available to assist you in finding a clinic closest to you.

• Dental and Hygiene Programs

The University of California, San Francisco School of Dentistry advises that the dental care costs in the University clinic are around 40 to 60% less when compared to private dental practices. Under the supervision from a faculty, the dental students that are in their final year are able to provide root canals, crowns, extractions, and fillings. You are able to find these programs that are in your area through the Commission on Dental Accreditation.

If you have decided you would like to obtain financing for your dental work, make sure you have worked out a budget and what you can honestly afford. Researching all the options available to you can make a pain-free and healthy smile more attainable.

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