How to finance dental care when you don’t have insurance

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When you have a problem with your teeth, you often have no choice but to seek treatment. Toothache can be very painful, while missing teeth can have a major impact on your appearance and can even affect job opportunities.

Unfortunately, getting dental care can be very expensive when you don’t have dental insurance. If you find yourself in this situation, you will need to find a way to pay for the care you need.

To help you, check out these tips for paying for dental care when you don’t have insurance coverage.

Look for low cost dental services

One of the best ways to make sure you can afford dental care is to seek out the most affordable dental services possible. Inexpensive care can often be found at dental schools if you have one in your area. If you have demonstrated financial need, you can also turn to public clinics where dentists perform work for free or on a sliding scale.

To find a dental school in your area, search for the Dental Accreditation Commission. Be sure to contact the dental school to find out what services they offer as well as costs and fees, as care in a dental school clinic is not free. You should also be aware that, depending on the demand for services, there may be a wait before you can get the care you need.

Explore discounted dental programs

If you already have a problem with your teeth that you need to fix, it will probably be too late to purchase dental insurance to cover your problem, as the care you need would likely be excluded due to the fact that you have a pre-existing condition.

However, there are dental discount programs that you can join even when you already need dental help. Typically, with these programs, you pay a small fee for access to discounted dental services from participating dentists. Delta Dental is an example of a rebate program you might consider, but there may also be others that work in your state.

Before signing up for a discounted dental program, compare the projected costs to what you would pay if you just went to your local dentist and asked for a discount. If you don’t save enough to offset the cost of membership in the discounted dental program, then it’s not worth doing.

Talk to your dentist

Many dentists are willing to offer you discounts if you are able to afford cash because they don’t have to worry about billing your insurance.

Some dentists will also allow you to work out a payment plan or have in-house finance companies they work with that will provide you with emergency loans. In general, larger dental offices are more likely than smaller ones to offer these options, so it’s worth considering when choosing your dentist.

If your dentist offers some type of financing, be sure to compare the rates and terms with any loans you might get on your own – don’t assume they’ll always give you a better deal.

Consider a personal loan

Even if you are able to get a discount on services or visit a dental clinic, you will still need to find money from somewhere to pay for your dental care. If you don’t have the money to pay out of pocket even when you’ve cut costs as much as possible, a personal loan might be the best alternative.

There are dedicated personal loans that cater specifically to people who need medical or dental services. However, you don’t need to limit yourself to just considering these loans.

You can apply for a personal loan from any lender, including online lenders, credit unions, and local banks. Personal lenders don’t care what you do with the money you borrow, so there’s no reason you can’t use it for dental treatment. If you are only looking for a general personal loan, rather than a medical or dental loan, there are more lenders to choose from.

Taking out a personal loan to pay for dental care can be much better than using a credit card because you can borrow the amount you need for your care up front and will know exactly when you will pay it back based on the terms. of your loan. You won’t get stuck in a cycle where you make minimum payments on credit card debt and it takes decades to pay off your dental care.

Most personal loans have a repayment term of three to five years, so you’ll have plenty of time to pay off even the most expensive dental care with affordable monthly payments. You will also usually be able to get a much lower interest rate on a personal loan than the standard interest rate on a credit card. This will make paying for your dental care much less expensive over time.

You should research a personal loan carefully to find one at the lowest possible rate – remembering that your credit score will affect your rate. Borrow the minimum you need for your dental work and borrow for the shortest time possible so you don’t spend years paying interest.

Most personal loans get funded very quickly, so you can find a lender with good terms and usually have access to the money you need for dental care in a week or less.

Getting dental care can be affordable even without insurance

While finding the money to pay the dentist is undoubtedly a difficult proposition, it is worth doing if you are in pain or are at risk for gum disease, tooth loss, or other issues. serious dental problems. You just need to make sure you shop around for the most affordable financing so that paying to fix your dental problems doesn’t put your long-term financial goals at risk.


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