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Almost everyone hates going to the dentist. We squirm at the thought of the pain, the needles, the drill, and the cost. At some point, we all end up there for a regular cleaning, to get a cavity filled, or for crowns.
When we need dental work, either a basic procedure or something more complicated, there is always a cost, and not just in anxiety, fear, and sweat. For some people, paying for dental work is a financial hardship.
Even if you have dental insurance, you are usually responsible for some of the costs. Also, many plans have a $1,000 to $2,000 annual limit. These prices for dental care and procedures vary based on things like where you live, your dentist, and if you have insurance. Below are sample costs for common dental procedures:
One of the most common types of dental work is crowns, which are tooth-shaped caps that completely cover existing teeth. They can be used for different reasons – covering a broken tooth, protecting a weak tooth, holding dental work in place, or for cosmetic reasons. Below are four types of crowns along with some of the pros and cons of each type:
There are things you can do to save money on high dental costs. First, if your teeth are in good shape, keep them that way by flossing and brushing daily. Also, routine dental checkups can help to prevent more significant problems and save you money in the long run.
If you need a dental procedure, request an itemized price then ask for a discount. You may be able to negotiate a better price. Also, to keep from paying hundreds or even thousands of dollars up front for high-cost procedures, ask about payment plans and financing options.
Another tip for saving on dental work is going to a dental school near you. These schools offer high-quality care by dental students at low cost or no cost to you.
Lack of insurance causes some people to neglect dental care. However, you may still be able to get dental insurance even if you think you don’t qualify.
Purchasing dental insurance with a higher deductible will usually lower your premiums, costing you less right now. You may also be able to find a cheaper plan with a restricted network of dentists. Group dental coverage is also an option and can be purchased at a group rate through AARP or certain businesses.
One alternative to dental insurance is a discount dental plan that replaces insurance. By paying an annual or monthly fee, you have access to a network of dentists who offer dental work at lower costs.
If insurance or even a dental plan seems out of your reach financially, there is also the possibility of state and federal government grants and funding to cover dental work.
No one enjoys a trip to the dentist. But no matter how much we hate it, inevitably, the need for dental work arises. If you need funds for dental work, LoanStart can link you with personal installment loans from $1,000 to $40,000. Fill in our simple, secure online application to begin the process and hopefully get the cash you need to cover your dental procedure.