How to Finance Your Dental Work


Dental care can be expensive and there is no way to get around this. While waiting might seem like a good option, it will generally end up worsening the problem and making dental work more expensive. If you need to finance your dental work, there are a few ways that you can try to potentially find discounted treatment.

Work with Your Dental Provider

A lot of dental patients will pay out of pocket for their treatment. If you are in this category, cleanings, check-ups and other treatment for cavities and dental conditions will start to add up. If you need several different treatments, you need to talk with the payments specialist or office manager at the dental practice.

They will generally be willing to work with you and the dentist to see what your payment options are. This might include determining which work needs to be prioritised. You can also review the options for crowns and fillings to find one that suits all of your needs.

Financing Dental Care

Financing will help you pay what you can afford. There are a few payment options that you can talk about with your family members and the dentist, Patrick Coffey, for example.

In-Office Benefit Plans

There are some dental practices that have benefit or discount plans. These plans are similar to insurance where you pay an annual or monthly fee in exchange for discounted services. In most cases, these services will include preventative treatments such as exams, cleanings and x-rays. These treatments will be included in the plan and not cost extra as they normally would.

Payment Plans

It is possible that your dentist will offer a payment plan for the treatment. This allows you to pay off the treatment over a set period of time. If you are considering this, you need to look at the plan’s interest rates. Some plans offer an interest-free period, but will start to charge you after this. You need to determine what you are able to pay and calculate the interest as well.

Medical Credit Cards

A medical credit card will work in a similar way to a normal credit card. The primary difference is that you can only pay for medical costs with providers who accept these types of cards. As with payment plans, you will often get deferred interest over a period of months with these cards. This allows you to pay off some of the balance without any interest being charged. Some cards do not require any payment until the interest is due, but you need to consider all the terms carefully before you get one of these cards.

Credit Union Loans

If you belong to a credit union, you can apply for a loan or credit card through them. This will generally get you a lower interest rate. The loan or credit card can then be used to fund your dental care

Find Discounted Care

Another option when it comes to getting the care you need for a price that works for you is to look for discounted dental work. There are a few options that you can consider.

Dental Association Events

There are times when dental associations will hold events with low-cost or free dental care. Many of these events will offer treatment from volunteer dental professionals who are members of the association. Patients at these events could get free treatments such as extractions, fillings and root canals.

Low-Cost Clinics

There are a number of clinics that offer dental treatment at no cost or on a sliding scale via a needs-based system. Of course, not all clinics offer this and you need to find one close to you that does.

Dental and Hygiene Programmes

If you are willing to go to the School of Dentistry at a university, you will be able to get more affordable care than going to a private practice. At these schools, dental students in their final years will provide fillings, caps, root canals and more under the supervision of their professors. You can generally find these programmes through the university website.

If you need to finance your dental work, you need to take the time to consider how much you can afford for this. You need to look at all your options to get a pain-free smile.