Finding Ways To Afford Major Dental Work
Major dental procedures like root canals, crowns, implants, or extensive orthodontic work can cost thousands of dollars, leaving many people wondering how to manage these essential expenses. Fortunately, several options exist to help make necessary major dental work more affordable.
Insurance
Explore Dental Insurance Options
Dental insurance can significantly reduce out-of-pocket expenses for major procedures. If you don’t have coverage through an employer, look into individual plans. While most have waiting periods for major work, getting insured now can help with future needs. When choosing a plan:
- Compare annual maximums (typically $1,000-$2,000)
- Understand coverage percentages for major procedures (usually 50%)
- Check if your preferred dentist is in-network
- Consider supplemental dental insurance for additional coverage
Some providers offer plans specifically designed for major procedures with higher annual maximums, though premiums may be higher.
Savings Plans
Consider Dental Discount Plans
Dental discount plans work differently than insurance. For an annual fee (typically $100-$200), members receive discounts of 10-60% on various procedures. Benefits include:
- No annual maximums or claim forms
- Immediate eligibility with no waiting periods
- Predictable fees based on a published fee schedule
- Potential savings on procedures insurance might exclude
While discounts vary by procedure and provider, these plans can be particularly valuable for major work, sometimes offering greater savings than traditional insurance.
Explore Payment Plans and Financing Options
Many dental offices offer payment solutions to help manage costs:
- In-house payment plans allowing you to spread costs over several months, often interest-free
- Third-party financing like CareCredit or Lending Club, which specialize in healthcare financing
- Medical credit cards that offer promotional interest-free periods
- Personal loans from banks or credit unions, which may offer lower interest rates than credit cards
Always read the fine print regarding interest rates and terms, especially with promotional offers that might charge retroactive interest if not paid within the specified period.
Learn How Best Dental Makes Major Dental Work Affordable
Dental Insurance
In-Network with Major Dental Insurances Nationwide
Dental Financing Options
Payment plan options, including third-party financing to help patients with any major dental work they need.
Dental Savings Plan
Annual plan to help reduce costs by 10%
Seek Alternative Care Options
If cost remains prohibitive, consider these alternatives:
- Dental schools where supervised students provide care at reduced rates (often 30-50% less)
- Community health centers offering sliding-scale fees based on income
- Dental clinical trials providing free or discounted treatment for qualifying conditions
- Charitable organizations like Dental Lifeline Network or America’s Dentists Care Foundation that provide care to qualifying individuals
Some dentists also offer hardship discounts or pro bono work for patients in genuine need. Don’t hesitate to discuss your financial situation openly with your dental provider, as many are willing to work with patients to ensure they receive necessary care.
By exploring these various options and potentially combining approaches, even extensive dental work can become more financially manageable.
If You Have Any Further Questions About How To Afford Major Dental Work Contact Our Team Today!
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