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How To Save Money For Major Dental Work

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Most insurance coverage doesn’t allow for dental work, or at least not if you need significant treatment. At a minimal, you may be eligible for a dental exam, a full mouth X-ray, and a cleaning every couple of months. Crowns, root canals, veneers, whitening, or orthodontics aren’t usually included in typical insurance plans. Those can quickly add up to a lot of money. Here are four ways to save money, and improve your oral health.

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Dental credit. Most dentists know the cost of their services can reach thousands of dollars. Most offices offer their own credit line. It’s usually offered by a third party that specializes in dental care, but some clinics offer their own line of credit. You’ll have to fill out a credit application and wait for approval, but many times, it’s easier to be approved than traditional credit cards.

Negotiate total cost. If you’re able to pay the total bill in cash, you can ask your dental office manager for a discount. They may be more willing to receive a lower payment immediately than wait for low payments over an extended period of time.

Create your own dental fund. If you have time and not a lot of immediate cash, you can do it the slow but traditional way of saving money earmarked for your dental work. You can do this by collecting all your loose change, or even better, set aside a percentage of your income into a special account. You can automatically deduct the money from your checking account into a savings account. Some people find this easier because they won’t be tempted to spend the money, as it’s automatically transferred.

Health savings plan. Check with your company and insurance plan for any changes to the policies regarding your health savings plan, cafeteria plans, or other insurance savings. Sometimes, there are limits to your donation to a tax safe health plan; while others don’t cover dental treatments. Your insurance may offer a percentage off discounts off major dental work. Ask, and see what your plan covers.

Related: Why Outsourcing is a Useful Tool

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