Paying for dental services without insurance
One of the main reasons for having auto insurance is to protect the investment you’ve made in your car, and there’s also the fact that there’s no accounting for everyone else’s driving habits, which can result in an accident even if you’re a careful driver. Oftentimes, dental insurance doesn’t come with the same sense of urgency as auto insurance, which means you might not talk to an Atlanta insurance agency about getting dental insurance. While dental insurance is certainly great to have when you need it, there are ways to pay for dental services without it.
Consider Low-Cost or Free Dental Providers
When you need dental services, your best bet is to seek out reputable dental professionals who provide services on a sliding scale. Ask friends and family if they know of any dentists who set the price of their services according to the patient’s income. There’s also a chance you might qualify for free services from a free medical clinic. In any case, being willing to put in some work and make some calls can save you a lot of money.
Ask About a Payment Plan
Some dentists offer payment plans that allow you to pay for treatment in monthly installments rather than a lump sum. This is sure to take a great deal of the financial burden off your shoulders, not to mention the stress that often comes with such a burden. The great thing about such plans is you only have to pay an annual fee, but not financing or interest.
Ask About a Discount Plan
If the dentist of your choice doesn’t offer a payment plan, there might be a discount plan you can consider. With these plans, you’ll pay for your dental procedures in full, but you’ll receive a discount. Such discounts can range anywhere from 10 to 60 percent. Know that you’ll likely have to pay an enrollment fee to join the plan.
Go in for Regular Cleanings and Exams
This tip is more about mitigating future dental costs than it is about paying for current dental costs. Scheduling regular exams and teeth cleanings not only improves the appearance of your smile and your oral health overall, but can also let you know about any issues you might have with your teeth, issues that can result in a costly procedure. Regular exams can let you know what’s going on with the health of your teeth so you can plan your finances accordingly well before such issues can chip away at the overall health of your teeth. To make such exams and cleanings more affordable, look for special flyers in the mail and dental practice websites to see if they have any specials to take advantage of.
Consider Allowing a Dental Student to Take Care of You
If the dental service you need is routine and minor, and you’re willing to let a dental student take care of it for you, you can receive care at a discounted price. What’s more is you have the chance to help a future dentist become better at her or his craft. It’s a win-win situation for everyone involved.
Pay Upfront for a Discount
Even if you can easily afford dental services without insurance, there’s nothing wrong with saving when you can. For instance, you might be able to get a five percent discount (possibly more) if you’re willing to pay for services up front. Everyone loves receiving payment up front, which is preferable to delivering goods or services only to learn the recipient has hit a bit of financial snag and can’t pay in full…and that’s if she or he can pay at all.
Even if you take great care of your teeth, it’s still a good idea to have at least a basic dental insurance plan. For more major and expensive dental procedures, put these tips to good use, and look for other ways to save money and your smile.