27 C
Lagos
Tuesday, September 29, 2020

What to Do When You Have a Major Dental Expense

- Advertisement -

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

- Advertisement -

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.

- Advertisement -

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.

- Advertisement -

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.

Dental Technology student applies porcelain to a dental mould
  • Save
- Advertisement -

Disclaimer: This article is purely informative & educational in nature and should not be construed as medical advice. Please use the content only in consultation with an appropriate certified medical or healthcare professional.

Editor
Editorial Staffs at Healthtian, A team of Writers.
- Advertisement -

Trending Now

Crepey Skin: Causes and 37 Potent Natural Home Remedies

Crepey skin refer is a term used to describe a skin that is thin in appearance and wrinkled, it is called crepey skin because...
- Advertisement -

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...

Atis Fruit: 10 Health Benefits of Eating Sugar Apple

Sugar apple (Atis fruit), is the Annona squamosa fruit belonging to the natives of West Indies and to the tropical Americas like Peru, Mexico,...

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...

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...

Hole in the Heart: Causes, Symptoms and Treatment

Normally, the heart is divided into two parts - left and right - which are separated by a septum (which separates the two upper...

New Treatment Option for Essential Tremor

Essential or benign tremor may be painless, but it can be a highly frustrating experience that results in a drastic reduction of...

7 Types of Disability and Examples

For disabled people life is a lot different than the rest of us. They don’t lead normal lives like we do and need assistance...

8 Majors Types of Bongs – Which One Strikes You

One of the best ways to consume cannabis is to smoke it straight from a bong. Bong offers a better way to enjoy your...

Friends

Newsletter

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

- Advertisement -

Related Posts

Complete Information about Wisdom Teeth

Wisdom teeth are the last teeth to come through and usually appear between the age of 17 and 25. Out of 32 teeth, they...

How Dentist Can Help to Solve Snoring in Both Children and Adults?

Do you tend to snore a lot? No doubt other people know about it, and you have probably found out that they will often...

Glossitis – Symptoms, Causes, Treatments and Prevention

Glossitis is generally characterized by tongue inflammation. It can also lead to changes in the color and texture of the tongue. Another visible sign of...

Tips to Prevent Early Childhood Dental Decay

Even though they’re not permanent, it’s essential to do everything you can to protect your baby’s teeth from decay. Otherwise, your child could be...

LEAVE A REPLY

Please enter your comment!
Please enter your name here

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

Dental Technology student applies porcelain to a dental mould
Copy link
Powered by Social Snap