Going to the dentist is necessary to maintain oral health. Yet, for many people, it is not easy to come up with the funds to pay for those appointments or more invasive procedures that are not covered by insurance. Do not forgo a trip to see your dental care provider just yet. Before you find yourself putting it off and allowing your oral health to suffer, consider the options available to you. There may be more than one option that fits your situation. |
Insurance and Your Coverage
One of the most common ways to pay for a dentist appointment is through dental insurance. If you have it through your employer, you may have a comprehensive policy. On the other hand, you may want to consider purchasing a supplemental policy. This could save you money. For children and some adults, Medicare or Medicaid may provide some dental coverage as well. If you have these plans, determine where you can go and what services are covered first.
Consider a Payment Plan
Many dental providers will have third party financing companies available to help individuals to pay for more expensive procedures over a period of time. You can apply for these financing options when you visit the dental care provider. Some allow you to apply in advance as well. This could help you to feel more comfortable before heading into the office. You may also be able to find third party lenders for dental plans online. This can help you to get the care you need at a reduced cost.
Ask the Dental Professional Directly
Sometimes, you do not need a third party lender at all. Some dentists will offer in-house payment plans. This is especially possible for those who have a long-standing relationship with the provider. If you do not ask about it, you will not know if it is an option. Secondly, ask for a discount. Tell the dentists that you are not using insurance and ask for a lower rate because you are able to pay upfront for the services you need. Sometimes, they are more than happy to offer you this option, with a big discount, just because you are a good patient and you are paying your bill upfront.
Do not forgo the dentist because you are considered about funding. Even in emergency situations, many dental care providers will work with patients to find the most affordable solution possible for them. The key thing to do here is to ask. Discuss the financing options available to you through your dental care provider. Take the time to discuss your needs at the time of making your appointment rather than after you have seen the provider. This type of planning can help the dentists to feel more comfortable, too.
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