In this installment of Ask Dental Dental, we address the common customer question, “My dentist just handed me a treatment plan, and I can’t afford what my dentist recommends. What should I do?”
Did you know that 40% of Americans cannot afford a $400 emergency? To make matters worse, another 12% said that a $400 expense would not allow them to pay regular bills, such as housing and groceries. This includes unforeseen medical expenses, like those that may arise due to a problem with your teeth.
Your dentist may advise you to fix an existing problem such as cavities, a broken tooth, or even an infection in your mouth that can get worse over time. But what options do you have if you or someone in your family has a recommendation from the dentist for a treatment plan that you simply cannot afford?
Talk to your dentist about a phased treatment plan
One way you can handle a treatment plan is to simply talk to your dentist about your treatment plan to see if they can offer what is known as a “phased treatment” plan. A phased treatment plan essentially spreads out the number of treatments over a longer period, which will reduce the amount of upfront costs and spread them out over a series of visits.
In a phased treatment plan, the first objective or first phase of the treatment will be to address any pain as quickly as possible. Once the pain can be managed or eliminated, your dentist will offer the next priority in the treatment plan and continue addressing issues with each treatment. This is actually a very common situation and gives you as the patient a great option to avoid high upfront costs.
Most dental offices are sensitive to the fact that dental treatments can be expensive, especially in one lump sum. Don’t be shy or embarrassed to discuss your situation with your dentist and the front office staff.
Also, if you have dental insurance, be sure you are familiar with your plan and what is covered vs what is not covered, any co-pays, etc. If you’re not sure, check with your dental insurance company to learn more about the details of your dental plan.
Low cost or low-income dental services
If you would like more information on low cost dental services, or low income resources, visit the link HERE from the Department of Health and Human Services.
Dental loan or in-office financing for dental treatment plans
Another great option is getting a dental loan, or even financing from your dental office. Many dental offices offer in-house loans or financing; some even work with outside lenders, and your dental care provider can put you in contact with them. These can help with smaller expenses such as filings, or with bigger expenses like braces for the kids. As always, it’s best to start discussing your options with your dental office sooner than later.
To find a dental office close to where you live or near your work, start by CLICKING HERE.
