Saturday, August 13, 2022

How To Get Dental Care Without Insurance

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The Carefree Dental Card Can Help You Pay For Dental Work

How to get affordable dental care without insurance | ABC7

Just because moneys tight doesnt mean that you should abandon your dental care. Skipping regular checkups and necessary procedures will lead to much more pain and hardship down the road.

The Carefree Dental Card can give you significant savings from your dental bills. For $15.95/month for individuals and $19.95/month for families, you can get 15-50%* off your dental bill per visit in most instances at participating dentists.

Get the dental care you need at a lower cost by signing up for Carefree Dental.

The Carefree Dental blog is not meant to be a substitute for professional medical advice, diagnosis, or treatment. The text and pictures within the content are intended for information purposes only. Readers should consult with a licensed dentist or healthcare professional before seeking treatment.

The Carefree Dental Card is not insurance and Carefree Dental is not an insurance provider.

Get Emergency Dental Care With Or Without Insurance

Dental insurance plans usually cover dental emergencies, and so does Medicaid, but what happens if you dont have insurance?

If your child needs emergency dental care, that means it cant wait. Its critical to get your child in to see an emergency dentist to fix the issue with or without insurance.

Dont fear insurance or not, our Kool Smiles Kids Club partner dentists are here to help you learn how to get emergency dental care with a variety of payment options that make this care accessible to as many people as possible.

Will My Insurance Cover My Dental Emergency

The answer to this question varies depending on the insurance plan you have, but as a general rule, most major dental insurance companies will also offer coverage for dental emergencies. The amount of coverage will vary, and some plans may cover all of the care.

Our partner dentists work with you to determine whether your insurance plan covers emergency dental care and how much coverage they provide. They can also come up with a plan to make covering the out-of-pocket expenses more attainable.

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Find A Sliding Scale Dental Clinic

Many charities, faith-based organizations, United Way, and health centers support free or reduced dental clinics for those with no dental insurance. These will work with you to determine what you can pay based on your income, and typically feature excellent dentists donating their time.

Pros of choosing a sliding scale or free clinic:

  • Youre unlikely to run into unfair charges, since the rates are income-based.
  • Sliding scale or free clinics are available in most urban areas, so there wont be a long commute for treatment for many people.
  • Since the dentists are licensed professionals, these clinics boast quicker procedures than a dental school offers.

Possible setbacks:

  • These programs are often more difficult to enroll into, or are pop-up style, increasing the waiting period for a dental visit.

Try one of these databases to find a sliding scale or free clinic near you! These organizations want to help you if you have a need but no dental insurance:

Can You Go To The Dentist Without Insurance

How to get dental care without insurance

If you’re looking for affordable dental care without insurance, the good news is that you absolutely can go to the dentist without insurance, keeping some things in mind. It really comes down to finding a dentist or clinic offering reduced-cost or free care.

Follow the advice listed above in this article, or call United Way at 2-1-1 to speak to a highly-trained rep who can help put you in touch with the care you need.

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Free Or Low Cost Care From A Dentist

  • Free or Low Cost Care from a Dentist
  • Find a Dentist – Michigan Oral Health Directory:This directory lists information by county on where you can find a public health dentist, community dental clinic, community health center, dental school, or other source of low cost or Medicaid dental care. View the Michigan Oral Health Directory.

    Find more information on oral health here.

    Community Dental Programs:There are community dental programs that provide help to seniors, people with disabilities, the poor, patients on Medicaid, persons with no dental insurance, and persons in need of dental care they can’t otherwise afford. Find a community dental program near you.

    This information is provided by the Michigan Dental Association. Find more information on the Michigan Dental Association here.

    Community Health Centers:Many community health centers offer dental care. Community health centers care for you even if you have no health insurance. You pay what you can afford based on your income. Find a community health center near you.

    Find more information on community health centers here.

    Free Clinics:Some free clinics offer free dental care. Free clinics use volunteer health care providers to give free or low cost care to people without insurance.

    Free Tooth Extraction Near Me

    If you need a free emergency tooth extraction there are a few options to pursue:

    • Low-cost clinic: If you know of a low-cost clinic in your neighborhood, call and ask if they can help you find a free tooth extraction with no insurance.
    • Community health centers: Community health centers are government-funded centers that provide free and reduced-cost medical and dental care. Find your local center here: findahealthcenter.hrsa.gov
    • Healthcare navigator: A healthcare assister or navigator may be able to help you find free tooth extraction near you, or at least refer you to someone who can help you. Search for an assister near you here: localhelp.healthcare.gov/#/ .

    Finding free wisdom teeth extraction will be a bit more complicated, but this is where clinical trials might be one of the most helpful options. Here are some resources to check out to get your wisdom tooth pulled for free:

    • Lotus Clinical Research LLC: They offer clinical trials for wisdom tooth extraction. You can make an inquiry by filling out this form and selecting wisdom tooth removal.’
    • CenExel JBR: This is another research center that offers periodic wisdom teeth removal studies. Get in touch with them with this form.
    • Optimal Research: This research center has locations across the United States. Check this page to see their current study offering.

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    Dental Coverage Options Under Medicare

    Original Medicare offers basic medical services under various parts of the program. Part A pays much of the cost of inpatient care for eligible beneficiaries, while Part B pays for much of the cost of outpatient services. Neither of these benefits includes dental coverage as part of its regular services. Medicare Part C, sometimes called Medicare Advantage, combines both of these benefit structures under a plan thats provided by private insurers. Some Part C plans include extra benefits not provided by Original Medicare, which may include dental coverage.

    If you are eligible for Medicare, and you get your coverage via Part C, you might have dental benefits as a part of your regular coverage. Speak with a representative of your plan to find out what youre covered for. If you do not have a dental benefit included with your Medicare benefits, you may be able to get help through your supplemental plan.

    Best For Orthodontics: Ameritas

    How to get dental care without insurance
    • Coverage Limit: $1,000 to $2,000
    • States Available: 50

    Ameritas offers the best terms for orthodontics with no waiting periods and coinsurance rates starting at 85% but dropping to 50% after one year, making this company the best for orthodontia in this review.

    • No waiting for any services, including orthodontics on many plans

    • All plans include orthodontic coverage

    • High coverage rates after one year

    • $1,000 lifetime maximum on orthodontics

    • Lower cost plans limited to in-network providers

    Finding a dental insurance plan that covers orthodontics can be a challenge, and those that do typically require waiting periods that can span up to two years. Ameritas offers no waiting periods on orthodontics, and although out-of-pocket costs are 85% in the first year, they drop to just 50% after this. There is a lifetime maximum of $1,000 on orthodontic procedures, which is standard for most dental insurance policies.

    For other types of care, Ameritas dental plans follow the same coinsurance rate schedule. Preventive care is covered entirely with a limit of two exams and cleanings per year. Basic services carry a 35% coinsurance rate in the first year and a 20% rate for every subsequent year, while major services are billed with an 80% coinsurance rate in the first year and a 50% rate after that.

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    When To See A Dentist

    Ideally, you should try to schedule dental X-rays once a year, and cleanings and checkups twice per year. Its also important to see your dentist if any suspicious symptoms arise. Dont ignore any signs of an oral health problem, as these can quickly worsen.

    See a dentist if you experience any of the following:

    • tender gums

    Reasons To See A Dental Resident

  • Discounts & lower costsIf you don’t have dental insurance, many dental residency programs offer large discounts if you’re willing to pay for your bill at time of service. You can usually get discounts for both simple and more complex procedures, like root canals, dentures, and implants.
  • Specialized treatmentIf you need treatment for a more specialized condition, seeing a dental resident is a good option. That’s because dental residents master multiple areas of dentistry. Dental residents offer treatment in:
  • general dentistry & oral surgery
  • orthodontics
  • endodontics
  • periodontics . Dental residents treat diseases like gingivitis and periodontitis and bleeding of the gums.
  • implantology: . If you have missing teeth, getting your dental implants from a resident who has training in implant placement can be an affordable way to go.
  • Injuries & accidentsIf you’ve had a traumatic injury in your mouth, a dental resident is better equipped to help you meet your needs. Dental residents often collaborate with other specialists like plastic surgeons during reconstructive and cosmetic surgery. For example, many residents are trained in the emergency room to deal with facial traumas and reconstructive techniques.
  • IV starts & IV sedation
  • Intubation: this is when a tube is placed through your mouth and into your airway to help you breathe while you’re under anesthesia or sedation.
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    Find A Participating Dentist

    For information about where to access services and what services are available near you, please contact your local public health unit.

    If you are accepted into the program, you can access dental services through:

    • partner Community Health Centres
    • partner Aboriginal Health Access Centres

    Access to the full range of dental services will vary across the province. The program will continue to expand in the coming year.

    Senior Citizens Enjoy A Huge Discount By Choosing Our Affordable Dentist Office In Houston

    Here are some ways to get affordable dental care without insurance ...

    Finding affordable dental services can be daunting for aging parents and a headache for family members coordinating their care. Retirees, after all, often lose dental insurance after leaving their work, and Medicare sometimes does not cover all the necessary procedures like Oral Surgery, fillings or dentures that seniors often need. At Keem Smile Dentistry, we cater to people from all walks of life, including your elderly loved ones and offer senior citizen who visits our affordable dentist office on 6434 Highway 6 N, Houston a 10% discount* on all Restorative, Cosmetic and Oral Surgery Procedures.

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    Injuries That Require Immediate Attention

    There are some dental emergencies in which the only thing to do is rush to an emergency roomwithout regard to the cost. These include situations in which there is uncontrolled bleeding, severe pain, disorientation, or difficulty breathing.

    A knocked-out permanent tooth is another cause to seek urgent care, but from a dentist not an emergency room. A knocked-out tooth will not remain viable unless it is re-implanted within minutes. If you are able to get to a dentist quickly and save the tooth, you will likely save money in the long run because tooth replacement can be costly. Knocked-out baby teeth are not re-implanted, but if a child who doesnt yet have permanent teeth yet loses a tooth in an accident he or she should see a dentist by the next day, assuming there is no obvious damage, persistent bleeding or pain that needs immediate attention.

    Going To The Dentist Without Insurance

    As frustrating as it can feel, there are still ways out there to see a dentist if you dont have dental insurance. No waiting period is just an extra perk! It could actually save you money to pay out of pocket for care compared to enrolling in an insurance plan and maxing out on coverage without getting half of the treatment that you actually need.

    Finding affordable dental care is out there if you dig a little. Our mouths and bodies are all interconnected. Caring for your smile isnt something superficial. Its essential to total body wellness!

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    Focus On Preventing Dental Problems

    Theres no better way to save on dental care than to prevent dental problems before they happen. And the best way to do that is to commit to a regular dental hygiene routine.

    Brush your teeth twice a day, 30 minutes after eating. Floss, scrape your tongue, and use mouthwash to truly keep your mouth clean.

    There are other lifestyle choices you can make to prevent serious dental issues. Avoiding sugar, eating a healthy, well-balanced diet, and drinking plenty of water helps keep you and your teeth healthy.

    Speaking of things to avoid, you want to try your hardest to avoid these 12 common bad teeth habits that can easily damage your teeth.

    How To Get Affordable Dental Care Without Insurance

    Get cheap dental care without having insurance

    Cant afford a trip to the dentist? Youre not alone. The cost of dental care has consistently risen by nearly twice the average rate of inflation over the past half-century. In addition to rising dental costs, the number of consumers with access to dental insurance 5.7% from 2009 to 2010 alone, leaving only about 45% of Americans with dental insurance.

    The price may be high, and you may be among the majority who lack insurance. However, there are a number cost-saving measures you can attempt to save money on quality dental care.

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    Dental Emergencies And No Insurance

    If you have a dental emergency and you don’t have insurance, try to find an emergency dentist near you by calling the United Way or your local health center as mentioned above.

    You can also go to this FreeDentalCare website. They have organized a database of free and sliding dental care clinics around the country. Most clinics will have an emergency number listed on their website that you can call if your emergency happens outside of normal hours.

    If you are losing serious amounts of blood or are in excruciating pain, and believe your life is in danger, visit the emergency room. If you want to read more about what constitutes as a dental emergency, you can check out our article here.

    The Cost Of Dental Care With Dental Insurance

    The costs for each specific dental insurance plan depend on your age, location, medical history, and coverage goals. We recommend taking a close look at the copays, deductibles, waiting periods and annual maximums within each plan and see if they meet your requirements.

    Adding dental insurance into your life may keep many of these costs down. To save money, its important to pick a plan that complements your needs.

    If you are more interested in cosmetic dentistry, you should look for a plan that provides coverage in that specific area. On the other hand, if braces and orthodontics are of more interest to you, you should choose a plan that specifically lists those benefits. At Aflac, you can find a plan that has specific wellness benefits.

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    No Dental Insurance No Problem

    With all of the confusion today about dental insurance, what is covered as opposed to what is not and continuosly rising premiums and deductibles. So many Americans do not have Dental Insurance. But your lack of Dental Insurance does not mean you have to stay away from the Dentist office nor does it mean you can not get access to Affordable and Quality Dental care in Houston TX because you do not have Dental Insurance. Our Mission at Keem Smile Dentistry is to make Dental care accessible to all. Towards accomplishing this goal, we have a few policies like Free Emergency Exam and X-ray, Sliding Fee Scale, Veteran and Senior Discounts. This is in addition to Keem Smile Dentistry having one of the lowest costs for Dental Services in greater Houston area. We strive to keep our fees affordable, without sacrificing quality. Your care will be exemplary, and you will have an overall pleasant and affordable experience at our office because we value relationships.

    Dentists For Uninsured Patients

    How To Get Emergency Dental Care Without Insurance

    Many dentists will help uninsured patients to get the care that they need. Your dentist may have an in-house financing program, may offer discounts to uninsured patients, or may be able to plan out treatment over several months so that you dont have to pay off a huge sum all at once. Some dentists offer treatment priced on a sliding scale, meaning they will adjust their rates to your income.

    Dont be embarrassed to ask about payment options, or to let the dentist know how much you can afford to pay for dental care per visit. You certainly wont be the first or the last patient with budget concerns. Consider setting up an appointment for a checkup, and let the person who books the appointment know you have dental health issues, dont have insurance and want to discuss a treatment plan with the dentist to understand your options.

    Youll need a checkup and x-rays, and potentially a cleaning depending on how fragile your teeth are, during that first appointment. The cost will be between $150-$270, but ask when you book the appointment as rates vary from dentist to dentist.

    If youre embarrassed about the condition of your teeth, and worried what the dental staff will think about you stop fretting and make the appointment. Dentists want to help people to regain their health. They understand that cost, fear and other issues keep people from getting their teeth taken care of properly. And youll feel so much better after you take that first step toward a healthy future.

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