Figuring out how to afford dental care can keep you from going to the dentist. The truth is, avoiding the dentist will more than likely end up costing more in the long run. Take a deep breath it’s okay. There are several ways to afford dental care.
Because everyone’s situation is different, we recommend working with your dental team to make a plan that fits your needs. In this guide we’ll talk about the differences between dental insurance and dental discount plans. Also we’ll go over the basics of dental financing, dental credit cards and savings plans.
How do I pay for dental care without insurance?
If you don’t have dental insurance, your dental office team can help estimate cost and describe financing options. Consider dental financing and dental savings plans.
Dental credit card vs. dental financing
Everyone knows that if you can spread out payments over time, it makes it feel more affordable. Because it seems more affordable it will make dental care less overwhelming and more manageable.
Most dental offices partner with third-party creditors and some with zero interest like care credit. Your dentist and staff are there to help you have a healthy happy smile. Never be embarrassed if you can’t just write a check to pay for dental care and never be embarrassed that you have stayed away from dental care even if it has been years.
A unsecured loan or financing may also be available through a third-party that your dentist has partnered with. Both dental credit cards and loan companies may have interested added monthly. Do a little shopping to find a payment plan that works for you.
Dental savings plans
Dental savings plans or discount dental plans you pay out of pocket for your dental care at a discounted rate. These plans are not insurance or savings accounts. They are a paid membership that you pay monthly or annually.
Benefits of dental savings plans
There are no copays or deductibles and no annual maximum on how much you save. Another benefit of dental savings plans is that there is no waiting period. It’s easy to sign up and gain access to their complete discount services.
Dental savings plans cover preventative and restorative dental work.
Common dental treatments that dental savings plans cover include:
- Routine check-ups, exams, cleanings and x-rays
- Fillings
- dental crowns
- dental bridges
- tooth extractions
- root canals
- dentures
- dental implants
- braces
Dental savings plans vs. dental insurance plans
Dental insurance plans require a monthly or annual premium for coverage and will cover part of dental cost.
You’ll also have to pay co-pays and deductibles. Most insurance plans have an annual maximum of benefits that they will pay usually between $1,000-$2,000 per year.
Dental savings plans require a monthly or annual premium too but, the fee is paid to your dentist instead. Paying your dentist directly eliminates excessive paperwork and claims filing. Look at a dental savings plan much like a rewards or warehouse club membership.