8 Ways Of Paying For Dental Work
If you need to go to the dentist for anything other than a twice-a-year cleaning, some major expenses may be headed your way. Paying for expensive dental work can make a major dent in your wallet. Fillings can be several hundred dollars a tooth, and crowns or root canals can approach $1,000 or $2,000 a tooth.
Dentures often go for between $2,000 and $8,000. As steep as these prices are, the good news is there are several options to help you pay for your dental work and one is likely to fit in well with your financial situation. Here are seven approaches for paying for dental work that may work for you.
Use These 8 Methods To Pay For Your Expensive Dental Work
1. Insurance
Most employers offer affordable dental insurance that significantly decreases costs, especially for more extensive work such as root canals. If an employer-sponsored plan isn’t an option for paying for dental work, you may find a good insurance plan through an independent provider. If your employer provides dental insurance, be sure to take some time to review some of the plan options.
Typically, there are different coverage tiers an employee can choose from based on their specific dental needs or anticipated future issues. Employers may also be able to have a spouse or dependent added to their plan. Make sure to take a good look at all the dental options your job offers you.
2. Health Savings Account
A health savings account is an alternative to dental insurance (or used in conjunction with it), gives you money every month in an account that is earmarked for medical expenses such as dental procedures. Such HSA money, which is pre-taxes, is often used to cover co-payments for dental work or to cover entire procedure costs.
3. Financing
A growing number of credit cards, such as CareCredit, offer an option for people paying for dental work costs that are high. Such cards usually offer a credit limit and specific payment plans in installments that cover bills over time. Some dental offices even offer their own form of financing plans; All you have to do is ask about them.
4. Negotiations
You can actually negotiate when it comes to paying for dental work. Depending on the cost, your dentist, and your history as a patient, you may be able to score a discount on your bill, often through either covering the cost completely upfront or by paying in cash. Dental offices may be especially inclined to negotiate if you are considered low-income or do not have dental insurance.
5. Get A Second Opinion
The cost of dental procedures varies among providers, so if you are struggling with paying for dental work, it may help to do a bit of comparison shopping. Check around to see if there is a dentist nearby who may perform the same procedure you need at a lower cost. Sometimes, new dental offices or dentists working in rural areas charge patients less.
6. Look For A Free Option
If you happen to live next to a dental school or training facility, you may be in luck when it comes to paying for dental work. Dental schools within colleges often host free clinics for the surrounding community so students can practice procedures under the supervision of a full-time dentist. These clinics offer everything from cleanings and X-rays to fillings at either low cost or no cost to you.
7. Use A Membership Plan
Dentists are increasingly offering their own membership plans for patients who are not able to take advantage of insurance or benefits. Such plans usually work by making monthly payments to get regular preventative care usually for free. In addition, other procedures usually then come with large discounts.
8. Title Loans May Also Help
Title loans present another option for paying for dental work that otherwise would make a significant impact on your daily financial life. Specifically designed to address financial emergencies, title loans use a vehicle’s title as collateral for a lump sum of cash. By connecting with us at Auto Cash USA, we can help you find a provider that can offer up to $15,000 in title loans.
All that’s needed is your lien-free vehicle title in your name, your vehicle for a quick inspection, and a driver’s license or government-issued photo ID. Once you have these items ready, fill out the online form on our homepage. We will then connect you with the nearest title loan specialist who will set up an appointment to meet you at a location of your choice.
Get Your Dental Work Paid Off Today!
Paying off dental work can be difficult if you don’t know where to go. Checking out these tips can help you get your dental work taken care of. And if you need help paying for dental work in an emergency situation, title loans may offer the assistance you’re looking for. To get started today, fill out the online form right now.
Note: The content provided in this article is only for informational purposes, and you should contact your financial advisor about your specific financial situation.