For many who are managing a tight budget, a trip to the dentist might feel like a luxury that needs to be postponed. If you’re in this boat, you are far from alone. Research confirms that cost is a major barrier for many people trying to get the dental care they need. For instance, a national poll from the PAN Foundation’s Center for Patient Research found that 36 percent of insured adults who skip dental care cite affordability as the reason. The American Dental Association’s Health Policy Institute also reports cost as a primary reason people opt out of necessary dental treatment.
Unfortunately, putting off treatment can often make things worse. Unresolved dental problems often grow into much bigger (and pricier!) concerns. Poor oral health is also strongly linked to serious systemic conditions, including heart disease and diabetes, making dental care a crucial part of overall well-being.
A healthy smile shouldn’t feel out of reach. While everyone’s situation is different, there are several options available that might help make dental care more accessible and affordable.
Dental Insurance
Most dental insurance plans will cover preventative care and a percentage of treatment costs. If you have coverage, it’s important to work with your dentist to understand your benefits and maximize your savings.
Smiles360 Dental Savings Club
For those without traditional insurance, the Smiles360 Dental Savings Club helps you get quality dental care at an affordable price, making it a great alternative. A membership includes routine dental services and gives you generous discounts on hundreds of treatments, like fillings, crowns and bridges, dentures, and more. Learn more here.
CareCredit
CareCredit is a credit card designated specifically for health, dental, and wellness expenses. Patients can often use the card immediately upon approval. Visit carecredit.com or contact your dental practice for more details.
Health Savings (HSA) and Flexible Spending Accounts (FSA)
Health Savings Accounts (HSA) and Flexible Spending Accounts (FSA) are common ways to save on healthcare costs. They can be used for a wide range of qualified medical, dental, and vision expenses. HSAs are generally paired with high-deductible health plans and the funds roll over year-to-year, whereas FSAs typically have a “use it or lose it” rule, often requiring funds to be spent by the end of the plan year.
In-Practice Financing Options
In-practice financing options may also be available for those who qualify. Please check with your practice to learn more about what may be available to you.
Don’t let cost keep you from your next appointment. We’re here to help you navigate your options so you can prioritize your oral health. Contact us today to find the solution that works best for your individual situation.