We know visiting the dentist is not your dream but there are many situations when it is necessary and inevitable. Apart from being unpleasant such visits are usually quite expensive.
According to a recent report by the Federal Agency for Healthcare Research and Quality, the costs for dental financing have increased by 23% over the last ten years. The majority of medical plans don’t come with dental insurance. That is why you need to think about dental financial assistance yourself.
Here are the best ways to consider.
Use Payment Plans
If your insurance doesn’t cover dental expenses, you may opt for special payment plans at the dentist’s office. Such plans are great as they allow clients to repay the price in small sums over a certain time.
As a result, you will pay off the same amount in the end. The only drawback of this financial assistance for dental work is that the office won’t report it to the credit bureaus which may not be perfect for your credit score.
Short Term Loans for Dental Work
I need dental work but have no money, what can I do?
Many people are seeking for the most suitable ways on how to pay for dental work with bad credit or without insurance.
In fact, the American Dental Association has recently conducted a poll and found that 59 percent of U.S. citizens haven’t visited a dentist because of high costs.
However, such short-term loans are perfect for covering unexpected medical bills with no credit check.
A small loan can help you with financing dental work without having to postpone your health issues. There is a possibility to select online lenders in every state with affordable rates and terms.
It is easy and convenient to get matched with the top-notch direct lenders by filling in a quick application form online and receive the necessary funds the next day.
Insurance Can Help with Dental Costs
Medical insurance may not cover dental expenses or cover only certain “necessary” types of dental assistance that differ in various providers. Some dental help may be considered as a medical procedure and won’t be covered at all. So, it pays to discuss this information with your insurance provider to check what type of procedures are covered. This will give you a better understanding of whether insurance will be a smart idea to help to pay for dental work.
Also, pay attention that a dental office within your network will differ from the office that only takes your insurance. If they say they will take your insurance for dental care financing, they will most likely file a claim for you. In case your insurance doesn’t include financing for dental work, you will have to pay for these expenses out of your pocket.
In other words, if you select a dentist office out of your network, chances are that you will have to pay more than financing companies. Opting for an in-network dentist will mean the fees are negotiated in advance and the prices won’t increase as the biggest part of dental financial help will be covered by your insurance.
Grants from the Government
I need dental work but can’t afford it. We understand you. If you don’t want to take out a loan for dental work and are willing to explore alternative financing options, government grants may be your solution. For instance, the Children’s Health Insurance Program (CHIP) and Medicaid are government programs aimed at offering financing for patients with children who can’t afford it.
A dental emergency can happen with everybody when you are least prepared for it and have no money to solve the problem. In several states, even adults may qualify for such grants and get help with dental bills from the government. Get in touch with authorities in your state to find out the details of this program in your county.
Negotiate Your Medical Bill
Sometimes the prices may vary from one dental office to the other. In case you can’t afford to pay all the costs at once and you are looking for other options to finance dental work, you may try to negotiate. Do your homework and compare prices in various offices in your area.
The Fair Health Consumer Database can assist you and help to learn about current prices. If you are asked to pay more than average, you have the right to reject before you sign any papers. Dental financing starts with the negotiation or even asking for a discount if you have bad credit and need several procedures.
Tap Your Family and Friends
I need a dentist and have no insurance. Sometimes you may have no insurance and need a tooth pulled. What can be your options?
If loans don’t work for you, you may ask your friends or relatives to lend you some money. Financial aid for dental work can come from various sources. There is nothing wrong with asking your family members to help you out in case of an emergency. Well, it may be quite embarrassing and uncomfortable to beg for money but it’s worth trying.
Dental Financing for Bad Credit
I need major dental work but can’t afford it because I live from paycheck to paycheck. For many people, regular credit for dental work doesn’t work as their credit score isn’t good enough to qualify. It is the situation when you don’t have any time to improve your credit.
Keep in mind that credit cards and small personal loan providers will demand to check your credit and may reject it if it is poor. So, you may either look for loans with bad credit. Or opt for alternative solutions such as negotiating the costs with the dentist’s office. Not many lenders are willing to give out bad credit dental loans as they present higher risks.
Medical Credit Card
Have you looked through reviews? Still want to have more options on how to get teeth fixed with no money? There is a special medical credit card such as CareCredit. It works sometimes better than loans for dental work with bad credit.
As long as the consumer repays the full balance on the card by the end of the scheduled term, CareCredit works at 0% interest and allows them to take a minimum of $200. This is a wonderful alternative to dental care loans.
Line of Credit
Similar to short-term loans for dental care, a line of credit is mainly another way to receive financial help. It allows consumers to get money in small lumps rather than taking out a big sum at once. However, the advantage here is that the person will need to pay an interest rate only on the amount they borrow. Some people use a line of credit or loans for braces to fund procedures.
All in all, there are various financing options to help you cover medical bills even if you still didn’t repair your bad credit. Use this guide on how to pay for expensive dental work and select the most affordable option. Take care of your health today so that you don’t have to end up paying more in the future.