Can’t afford a dental care? You’re not alone. It’s a pricey necessity. Everyone, at some point in their lifetime, will require dental health services. Standard procedures like cleaning costs between $70 and $200 and dental X-rays are more or less $250, while more complicated restorations such as crowns and bridges can cost a few thousand dollars. And, apart from the fact that dental care is pricey, it’s not covered by Medicare.
Can’t afford a dental care? You’re not alone.
It’s a pricey necessity. Everyone, at some point in their lifetime, will require dental health services.
Standard procedures like cleaning costs between $70 and $200 and dental X-rays are more or less $250, while more complicated restorations such as crowns and bridges can cost a few thousand dollars. And, apart from the fact that dental care is pricey, it’s not covered by Medicare.
Frustrating, isn’t it? In fact, 8 out of 10 taxpayers who will receive a tax refund this year will be spending a good amount of it for dental care.
Without a health insurance plan to cover your dental care costs, you only have one resort: withdraw from your emergency fund. But, what if you don’t have one?
That’s a real problem. But, you don’t have to hold off going to your dentist just because you don’t have money for it. Here are several ways to pay for dental care if you have no emergency savings.
Use Free or Low-Cost Dental Providers
Many dentists offer pro bono services in coordination with charitable institutions, although these normally involve just the basic procedures like cleaning and tooth extraction. One example is Dentistry from The Heart – a worldwide nonprofit organization that aims to provide free dental care to those in need. Some practitioners also offer services to patients who lack insurance at a lower price. You can contact the dental association in your state at the American Dental Association website.
Check for Online Coupons & Discounts
Many websites provide coupons for health services, from general healthcare to specialized services. You will find many websites that offer coupons for common dental procedures. These coupons are a great life-saver when you don’t have insurance, or your policy doesn’t cover dental health care.
Secure a Loan
Another option would be to borrow money from a reliable third-party lender, especially if you need to undergo a more complex procedure. You will find many companies offering personal loans online, which can either be secured or unsecured. Before getting a loan, ask for a quote from your dentist so you know how much you will have to borrow. Do compare the terms and conditions of each lender, especially the interest rates, before selecting one.
Use Government Resources
The government offers many health programs for low-income and uninsured people. You can get further details from the Health Resources and Services Administration (HRSA) about the current programs as well as the list of dental care providers in your area that are connected with the HRSA.
Enroll in a Discount Dental Plan
There are companies that offer discount dental plans which give you access to dental services from their partner dental clinics. You can save anywhere from 15 to 60 percent on various dental procedures, as long as your dentist accepts these plans. These dental discount plans are not like insurances, wherein you have to pay a monthly premium. But, to avail yourself of discounted rates, you need to pay a yearly subscription fee.
Dental care is an expensive necessity. No matter how well you practice oral hygiene every day, at one point or another you will be in need of dental health services. The good news is you don’t always have to delay your appointment with your dentist when you don’t have an emergency fund. There are several alternatives to pay for dental care. These include taking advantage of free or low-cost services offered by non-profit organizations and charitable institutions, utilizing online coupons and discounts, securing personal loans online, signing up for government health services, and subscribing to a discount dental plan.