Dental services and treatments can cost a lot of money even with dental insurance, but without insurance, they’re often unaffordable for some. After all, it’s not unusual for extensive dental work to run into the hundreds, or even into the thousands. Without dental insurance, many people postpone expensive treatments, which often result in costlier and painful procedures later on. It’s very important to maintain good dental health, because as the problems get worse, they can affect other aspects of your health. For example, a tooth that’s very infected and is not treated promptly can result in spreading infection, which can cause serious problems. The following tips can help you cut down on those costly dental expenses:
Look for coupons
Many dentist practices will offer specials and coupons for both new and current patients, especially if they are a new practice or opening an additional location. Look up nearby dentists and sign up for their newsletters, and follow them on social media. If there are any promotions or offers for discounted services, this usually will be the fastest and easiest way to find out. Dentists are now even advertising on deal sites like LivingSocial and Groupon, where customers can purchase checkups, cleanings, teeth whitening, and other dental services at just a fraction of the normal cost.
Find a dentist offering new patient specials
In addition to coupons, some dentist practices have on-going specials and incentives for new patients. These specials can range from free checkups to discounted cleanings. If you just moved or you’re looking for a new dentist, ask around and find out if there are any new patient specials at a local practice.
Go to a dental school
As part of their training, dental students in the advanced stages of their studies will need to perform actual dental procedures on patients, while under the supervision of licensed dentists. Whether you need a cavity filled or even just a routine annual cleaning, going to a dental school can save you a lot of money, as these services are offered at steep discounts. Depending on what you need done and the school you’re visiting, you might even be able to receive free dental work.
Consider the advantages of dental insurance
Whether your employer doesn’t provide dental benefits or you’re currently unemployed, you may want to strongly consider the benefits of getting your own dental insurance plan. The premiums are often much lower than health insurance, and tend to range between $15 and $25 a month, although this amount could go be higher based on the specific plan you choose, insurance carrier you decide to go with, and even your location. Even if it means making some sacrifices and re-working your monthly budget so that you can fit in dental insurance, purchasing a dental plan can potentially save you a lot of money overall.
Purchase a discount plan
A discount can provide a more affordable alternative than a typical dental insurance plan. Instead of a monthly premium, discount plans can be purchased for a yearly fee, and can provide anywhere from 15 to 60 percent off of your dental bill. Because not all dentists accept discount plans, you’ll want to make sure your current dentist accepts them before you purchase one, unless you’re willing to change dentists.
Explore your other options for assistance
If your income falls into a designated bracket, you could be eligible for financial help from various organizations, such as the United Way and the Bureau of Primary Health Care. And if you’re a parent and looking for inexpensive dental care for your child, you may be qualify for aid from the Children’s Health Insurance Program (CHIP).
Do you need money to take care of medical and dental expenses? If you’re receiving structured settlement payments, Peachtree Financial Solutions may be able to help. Contact Peachtree today for more information on selling future payments for a lump sum of cash.
Nothing above is meant to provide financial or tax advice. You should meet with appropriate professionals for such services.