What to Do When You Have a Major Dental Expense

There are certain dental procedures that can be temporarily put off until you have enough money to pay for them out-of-pocket.

On the other hand, there are dental emergencies, such as a tooth that’s been knocked out, a badly chipped tooth, or a tooth that has become infected.

Whether you have the money or not, you need to get to the dentist if you are going to save your tooth and your health. The following are some options that could help you.

Why Do People Need Help with Dental Bills?

Between 1996 and 2015, the average cost of dental care jumped by 23 percent. What makes matters more challenging is that 29 percent of Americans do not have dental coverage.

Those who do have dental coverage say that their private insurance will only cover around 43 percent of the cost. That means the other 47 percent has to come out of their pocket. This has led many people to turn to dental financing.

Dental financing is where you borrow money to pay for treatment and then repay the borrowed money on a monthly basis. Most financing means paying some type of fee and interest as you pay the money back.

The Benefits of Using Medical Credit Cards

Medical credit cards share similarities with normal credit cards. The only difference is that a medical credit card can only be used in medical situations.

Some medical credit cards come with deferred interest. If a person is able to pay off their balance within a set amount of time, they could avoid paying interest.

As with a traditional credit card, the institution that provides the medical credit card is going to check your payment history and credit score to make sure that you have a good history of repaying your loans.

Check and See What Your Health Insurance Covers

Your insurance provider might cover dental work that has been deemed medically necessary. This is evaluated by the insurance company on a case-by-case basis.

There are some circumstances where your dental health affects the rest of your body. A dental condition could cross the line to where it could be considered a medical procedure.

For example, if you have oral surgery, it may be billed as a medical procedure. However, getting a cavity filled would usually be billed as a dental procedure. It’s a good idea to have a discussion with your medical insurance provider to see if you are covered before having a procedure done.

What to Do with Dental Emergencies When You Have No Fallback

As we mentioned, many Americans do not have dental insurance, and some cannot have dental emergencies covered by their health insurance.

Some people have the ability to use their savings account or get a credit card to cover their dental emergency. However, many will find they do not have a good enough credit score to qualify for a medical credit card.

Thankfully, there are alternative funding options that may help get you through unexpected medical emergencies, such as flex loans. Flex loans should only be considered if and when you are facing an unexpected emergency situation and do not have enough savings to cover it.

You may have a dental emergency that prevents you from being able to work. In these circumstances, taking out a loan to cover the dental work and then making a plan to pay the loan back quickly could allow you to continue working.

It’s impossible to know when a dental emergency will arise. When they do arise, having a plan in place can help you protect both your oral health and your financial health for years to come.

Editorial Staffs at Healthtian, A team of Writers.

Trending Posts

Supplements – The Synergy of Supplementation and their Ingredients

This article describes synergy between the ingredients in supplements that are commonly found within the supplement industry. It is all very an good dosing...

Eating Vaginal Discharge and It’s Health Benefits

For many people, vaginal discharge is a sign that a woman is ready and willing to have sex. Vaginal fluid is a whitish fluid...

Genital Warts: Do They Go Away Naturally? What to Expect?

Human Papilloma Virus is the causative organism for genital warts. The virus is available in various strains, and it can be contacted by many...

Skin Rashes: Causes, Symptoms and Effective Home Remedies

Skin rashes are common skin problems experienced by millions of people worldwide; it is characterized by a visible change in the color and texture...

Anklet Charms and Hot Wives What Do They Mean?

Women all over the world love to accessorise. From putting on necklaces to wearing makeup and buying the latest trending clothes, women are ready...

A Few Reasons Why Its OK to Go Braless

Having a bra on for long hours is one of the most uncomfortable things that a lady has to deal with almost every day....

Kinky Sex Punishment Ideas You Should Try

Is your submissive being a spoilt little brat? Are you noticing some unwanted behaviour? Do not be dismayed. Sometimes subs can be naughty, and...

Spider Bites: Symptoms, Treatment & Identification

Spider bites in the United States are often annoying but they are rarely fatal. If a person gets bitten by a black widow spider...

Trypophobia (Fear of Holes) – Symptoms, Causes, and Treatments

Trypophobia (Fear of Holes) is defined as a condition whereby individuals experience an aversion or fear to clusters of tiny holes. This condition is triggered...

Keeping Your Man’s Penis Locked: Fitting and Measurement for a Chastity Device

So every woman wants to keep her man's penis for her use only. Every gay couple wants to do the same thing, and I...

How to Increase Sodium Levels in Your Blood?

Levels of sodium in the blood is often a misunderstood topic and it is extremely necessary that we as individuals understand the meaning and...


Stay Connected

Get our Wellness newsletter

Nurture yourself with health tips, wellness advice, and more.

Related Posts

The Right Choice: Is It Okay to Put Dental Braces on a Single Arch of the Teeth Only?

Some people often ask if it’s alright to have braces on the upper or bottom teeth only. These people feel that a single arch...

Why You Need Professional Orthodontic Care

When it comes to having healthy smiles, there are no shortcuts. The perfect straightening of teeth requires the services of a professional orthodontist. A...

Alcohol Abuse and Your Teeth

Enjoying a cold beer on a hot summer’s day or an extra-large glass of wine after a long day is a guilty pleasure for...

Find the Right Dental Insurance Plan for You

A lot of insurance companies may push you towards dental insurance, making it look like the best investment you have made in your life...

5 Tips to Preventing Common Mouth Injuries

While you have likely worn a helmet while biking to protect against head injuries and knee and elbow pads to protect against joint injuries,...


Please enter your comment!
Please enter your name here

This site uses Akismet to reduce spam. Learn how your comment data is processed.