Money Saving Tips on Affordable Dental Care
There are endless ways that we strive to keep ourselves healthy and in top shape. From reaching for fresh vegetables and fruit for a quick snack over a bag of chips, to taking your dog for an extra-long walk around the neighborhood instead of binging another episode of your favorite show. There are countless choices we make daily that positively impact our health.
Food, exercising and other lifestyle-based choices are things we consider that result in positive benefits. But they aren’t the only attributes that factor into our overall health. Just as important but often overlooked is our dental health.
Everyone loves a bright, gleaming smile. But trips to the dentist’s office can not only be anxiety inducing, but they can also leave a sharp and overwhelming pain in your bank account. Even with dental coverage you might find yourself watching your bank account drain at the price tag. The strain will be larger if you have little to no dental insurance.
Be it required fillings, a crown or emergency medical attention, you might find yourself struggling to pay out of pocket to have your dental needs met.
Life Happens, Thankfully Financial Help Is Handy
Regardless of your set routine of visiting your dentist every 6 months to a year, there can be a kneejerk response of overwhelming emotions such as guilt, embarrassment, and frustration when we find out what dental procedures we require. And the price due out-of-pocket can be jolting. These feelings are natural responses, but it’s important to remember that sometimes life happens, and you need to take things in stride.
Asking for help isn’t always an easy thing, and sometimes asking friends and family for help regarding finances simply isn’t possible. But that doesn’t mean you are out of options. Quite the opposite in fact.
Talk With Your Dentist About Options
Chances are finding out you need extensive dental work wasn’t something you anticipated, or had the foresight to budget for properly. During your office visit speak honestly with your dentist and the office staff about your financial situation to see what options are available that best suit your budget.
Ask what the priority of each dental procedure is along with the associated cost. This will not only help you figure out a road map, but also give you a full view of the amount of money you are anticipated to spend before you schedule anything. In addition, this can help create a timeline for you to be able to realistically afford the dental costs.
This conversation is also a great opportunity to see if your dentist can offer any type of payment arrangements or aid. Ask if there would be discount opportunities if you paid in cash, or if you could establish a payment plan that would allow you to pay them along the course of the treatment. Even if they are unable to offer those options it never hurts to ask.
Utilize Your HSA or FSA
Access to health insurance coverage is wide and expansive with a large array of offerings. Dental insurance normally isn’t part of your usual health insurance coverage. Rather it is an additional insurance plan that in many circumstances covers a maximum between $1,000-$2,000 a year in dental care after a deductible.
This small amount of available funds can be eaten away quickly with a couple fillings, a root canal, or even a single crown. Should you find yourself requiring a great deal of dental care you are likely to exceed your allotment. In these cases, you can make great use of your Health Spending Account (HSA) or Flexible Spending Account (FSA).
You may have a HSA or FSA with your insurance policy, that allow you to set back a portion from your check (of your choosing and pre-tax) for health related costs. When you find that you need to combat dental costs, these accounts, if available through your health plan, can be of great benefit as they allow you to regularly put funds aside to use at your discretion.
See If You Are Eligible for Government Based Assistance
Your income or lack of good dental insurance may not allow you the means to cover unexpected dental work. Thankfully there are options which may be available to you through local and state-based government programs that help provide dental care. These dental assistance programs help connect people to agencies to assist in paying for the dental care they require.
There are a variety of government-based programs that may be able to help you get the affordable dental care you need. Two examples are Medicare and the Children’s Health Insurance Program (also known as CHIP), or there may be other similar programs. You can go online to check your eligibility for these programs and search for other options that may be available to you.
Extra Help Covering Dental Work Is Closer Than You Think
When a small toothache becomes a sudden medical emergency, you might not have the ability to pay quickly or have the time to put funds aside when other means aren’t available to you. But when it comes to your health it’s important to take matters seriously.
We here at Check Into Cash, Your One-Stop Money Shop, are here for all of life’s sudden emergencies, which may include a loan* to help pay for that root canal. Apply today!
Need To Cover Minor Restoration? We Can Make Today Payday!
When you are finding yourself short and need some extra cash to get your broken tooth taken care of, count on Check Into Cash’s payday loan! No need to wait until your actual payday to get the cash you need; with our quick services we can get you the funds you need when you need them! Apply today!
…Or Maybe You Need Something To Help In The Long-Term
Fillings. Crowns. Root Canals. They can all leave your bank account crying out for help. When time isn’t on your side you can count on Check Into Cash’s Flex Line of Credit or other lending products to help you get as much or little as you need to get your smile shining brightly. Apply today!
*Not all consumers may qualify; certain restrictions apply. See store for details. In California, deferred deposit loans are provided in accordance with the Department of Financial Protection and Innovation pursuant to California Deferred Deposit Transaction Law, Cal. Fin. Code §23000 et seq.
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