Dentist Without Insurance How To Get Cheap Dental Care Easily
Going to the dentist without insurance can be very expensive. So expensive that 40% of Americans who skip the dentist because they cant afford it. But, getting cheap dental care isnt impossible. You just need to know where to look.
The Problems with Dental Insurance
74 million people in the United States dont have dental insurance coverage. Sadly, employers dont always offer dental insurance as a benefit. And even if they do or you purchase your own insurance, it often doesnt cover what you need.
No Dental Insurance Strategy #: Participate In A Clinical Trial
Researchers are always looking for people who are willing to participate in studies. The National Institute of Dental and Craniofacial Research is one such organization that looks for volunteers with specific dental, oral, and craniofacial conditions for clinical trials. Individuals who qualify for one of the programs may receive limited free or reduced-cost dental treatment for the condition under study.
No Dental Insurance Strategy 4 Government Assistance
Medicaid, the Childrens Health Insurance Program, and state-run agencies like Denti-Cal in California provide dental care coverage for eligible economically challenged individuals. While participation guidelines vary, most programs offer comprehensive dental services for individuals under 21. Those over 21 typically qualify for emergency dental services only.
Dont let lack of insurance keep you from getting essential dental care.
Mon – Thu: 8 AM – 8 PMFri – Sat: 9 AM – 5 PMSundays: 10 AM – 4 PM*2 Sundays per Month
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Join A Dentists Membership Plan
A growing number of dental offices are offering their own in-office dental plans for patients that do not otherwise have dental benefits, Sahota says. Heres how the plans typically work: you agree to make a regular monthly payment to be part of the plan. In return, you receive preventive care at no charge and other procedures at a significant discount. This type of dental program has recently been gaining popularity and has been successful for patients who are looking for alternative affordable dental plans, Sahota explains.
Option #: Find A Dentist With A Member Savings Plan
Lastly, some dentists that accept no insurance or who want to provide an alternative option to insurance offer a member savings plan. Member savings plans provide some level of routine care for a yearly fee.
For example, we here at Northside Dental Co. in Richmond, VA are a group of dentists that dont require insurance . Instead, those without insurance can sign up for our Dental Savings Plan. This membership plan costs $399 each year and comes with some great benefits like:
- Two comprehensive exams
- 15% off minor treatments
- 10% off major treatments
Signing up for a membership savings plan is an excellent option for anyone looking for an affordable alternative to dental insurance. But not all dental care providers offer a savings plan, so you may need to look into dental practices in your area to see if any offer them.
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Costs Of Dental Emergencies
The costs can certainly make you reach deep into your wallet, especially if you dont have dental insurance. As examples:
- Root canal costs depend on which tooth the procedure is being performed on: A front tooth will cost between $700 and $900, while a bicuspid can range between $800 and $950. Molars will run from $1,000 to $1,200.
- Dental crown costs depend on the material the crown is made of: Porcelain crowns cost between $1,200 and $1,500, while metal crowns cost between $1,200 and $1,400. Porcelain fused to metal crowns run slightly less, costing between $1,000 and $1,150.
Dental Costs With And Without Insurance
Everyone needs dental care at some point. However, not everyone wants to pay for insurance coverage. Chances are youve thought about costs tied to proper treatment. If youre considering covering dental costs out-of-pocket on a per-treatment basis, knowing common procedure costs is important. While avoiding upfront costs from purchasing a dental insurance plan may seem cost-effective, having a great dental plan can greatly reduce your overall cost of care.
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Seeing A Dentist Without Insurance Is Not Impossible
Seeing a dentist without insurance is not impossible. According to a recent article from Forbes Magazine, more than 50 percent of dentists in the United states allow you to pay an annual fee, usually over time, with no financing and no interest.
Many patients may have fears that an payment plan dentist will not be able to see them quickly, or will not provide them with the best possible care. Its true that emergency dentists have their own overhead that they need to be concerned with: hiring staff, keeping up with equipment needs, and their insurance policies.
However, there are numerous low cost dental options available to you. Our Emergency Dentists USA web portal includes a listing of many dentists who accept patients that dont have insurance. These dentists have been thoroughly vetted by experts in their field, so you can trust our experience and the partnered practives we feature on our site.
There are also dental savings plans that operate a bit like a warehouse club membership. If you wish to, you can pay a yearly fee that entitles you to price reductions on dental work. Discounts vary from 10% to 60% depending on the dentist offering the plan, the amount of money you are able to pay, and the types of procedures that you need performed.
Sign Up For The Oregon Health Plan
The Oregon Health Plan is offered through the state of Oregon that offers free health coverage for people who meet their income requirements. If you meet the low-income requirements, you can receive free dental care near you. Under the OHP, you would have access to medical care, dental care, mental health care, and addiction treatment.
Do you qualify?
You can find out by visiting the state of Oregons website. Find out HERE.
But wait theres more!
The Oregon Dental Association offers many options, resources, and plans to help you find low-cost dental care.
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Going To The Emergency Room Without Dental Insurance
If youve been in a traumatic accident or need emergency care its important to know whether you should go to an emergency room or an emergency dentist.
Emergency room doctors are going to be best equipped to treat any head trauma that youve endured. They can provide CAT scans and other treatment required to deal with head trauma better than an emergency dentist.
However, if youve sustained multiple oral injuries, you will want to visit an emergency dentist. While an emergency room doctor may be able to temporarily relieve any pain, an emergency dentist will be fully equipped to treat any oral injury you may have.
If you dont have any insurance, going to the Emergency Room will be an expensive trip. For dental care, there are many dental insurance plans to help cut the costs of dental care prices. However, if you are struggling with income there are other resources you can use to receive the healthcare you need.
What Kind Of Dental Costs Are You Looking At Without Insurance
Every patient is different, so the costs for various procedures differ from one person to the other. However, its helpful to get an idea of a national average of costs for your benefit.
Please note: These costs represent the average costs for dental care nationwide. It doesnt necessarily reflect the dental costs at Harmony Dental.
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The Cost Of Going To The Dentist Without Insurance
Going to the dentist without insurance can cost a lot. Dental bills pile up quickly. Believe it or not, it can cost several thousand dollars every year.
Examples of prices for common procedures at dentists without insurance:
- Oral exam: $73
- Lower denture: $1,441
- Upper denture: $1,441
Keep in mind: these are only guide prices. Every dentist is responsible for setting prices and costs for dental procedures. And the cost of procedure can vary from practice to practice, state to state.
Option #: Visiting A Dental Or Dental Hygienist School
Going to a dental or dental hygienist school for checkups is a low-cost dental option for anyone without insurance.
Dental or dental hygienist students will provide discounted dental care for adults without insurance in exchange for practicing routine dental procedures. Most of these schools have trained professionals overseeing the students work to ensure quality of care.
The inexpensive rates are a positive, but there are two negatives to this dental route:
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Injury And Accident Prevention
While you cant prevent all accidents from happening, you can take some precautions to limit your risk. Mouth Healthy has three basic tips to keep your teeth intact:
- Wear a mouthguard when playing a sport. It only takes seconds to pop a mouthguard in, which will protect your teeth and tongue from serious injuries.
- Watch what you chew. Despite the temptation, dont chew on ice cubes, popcorn kernels, and hard candy. All three can easily crack a tooth.
- Your teeth are for chewing, not cutting. Leave cutting to a good pair of scissors.
How To Avoid Costly Dental Work
Something I remind my patients regularly:
The best way to avoid expensive dental work is prevention, prevention, and prevention.
Dental care is often the most difficult healthcare to afford and access.
Thats why if youre seeing your dentist every 6 months for regular appointments, youll be saving thousands in the future. The upfront cost of consistent cleanings and exams is well worth the root canals, implants, and even dentures that youd be paying for in the aftermath of avoiding care.
Dental insurance or no dental insurance, you can save money with everyday habits and regular care.
Not only is preventative care a major cost-cutter, but ignoring your oral health can have some serious consequences.
As the U.S. Surgeon General said in his definitive 2000 report:You cannot be healthy without oral health. Oral health and general health should not be interpreted as separate entities.
Leaving your dental woes unchecked can, over time, lead to more systemic issues such as diabetes, heart issues, respiratory infections, and more.
Another method of preventative care is to treat your oral health from the inside out. Are you aware that you can actually reverse small cavities over time by remineralizing your teeth? Talk about savings! There are many foods that can reverse that decay and prevent further cavitiesregularly eating those is much less expensive than expensive dental work.
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Cheaper Dental Procedures Without Insurance
While going to the dentist without insurance can be expensive, theres one thing that can make the same procedure cheaper: a dental discount card.
And Carefree Dental offers the best deal in dental!
From 15.95/month for individuals and $19.95/month for families, this dental discount plan saves you 15%-50%* off your bill per visit in most instances at participating dentists.
Theres no minimum, no waiting, and no limit on how often you can use it!. As soon as you activate your card, you can get a discount at participating providers.
Get the dental treatment you need at a lower cost bysigning 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.
Heres The Real Reason Having No Dental Insurance Is So Dangerous
The Center for Disease Control and Prevention lists enrollment in a dental plan as the leading indicator of ones ability to access dental care. Most people who forego dental treatment do so because they have dont have dental insurance, and they do not believe they should even bother going to the dentist without insurance. After all, going to the dentist is expensive, or so they think.
The problem is too many people without dental coverage often delay preventative treatments, even procedures as straightforward as cleanings and x-rays. This delay can allow existing dental problems to worsen and develop into serious dental health problems like cavities, gum disease, and even tooth loss.
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Dental Care Without Insurance
Kool Smiles accepts Medicaid and Tricare at every location as well as State Childrens Health Insurance Programs . In fact, 80-90 percent of our patients are covered by state Medicaid programs or SCHIP. If you dont qualify for Medicaid, Tricare or SCHIP plans, you may still pay for services by cash, credit card or CareCredit.
If you have any questions about what you might expect to pay for your childs dental work, call Kool Smiles today. Kool Smiles will work with you so your child gets quality dental care at an affordable price!
Option : Local Health Departments
Some local health departments provide free or low-cost dental services.
You can search for a federally funded clinic near you here.
Option 4: Ask About Payment Options
Suppose you have no dental insurance and no access to any other assistance. In that case, you should find a dentist that has different payment options for their services. One popular payment method accepted by many dentists is CareCredit.
CareCredit provides no-interest financing options for 6-24 months on charges over $200. You can also take advantage of longer-term financing at reduced interest rates for more expensive dental fees.
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Other Options To Consider
Some dental offices offer in-house membership or savings programs that work like dental insurance that you can enroll in. Again, this does take some cash up front. But it could be more budget-savvy than going to the dentist without insurance or trying to sign up for an expensive plan you dont understand.
If you already have a dentist that you love or have been going to for years, you might ask about a cash discount.
Overview Of Dental Insurance
First, heres a breakdown of how individual dental insurance works. You select a plan based on the providers you want to be able to visit and what you can afford to pay.
- If you already have a dentist you like and they are in the insurance companys network, youll be able to opt for one of the less expensive plans.
- If you dont have a dentist at all, you can choose from any of the dentists who are in the network and again have the option of a less expensive plan.
- If your existing dentist is not in the network, you can still get insurance, but youll pay significantly more to see an out-of-network providerso much more that you may not have any chance at coming out ahead by being insured.
The monthly premiums will depend on the insurance company, your location, and the plan you choose. For many people the monthly premium will be around $50 a month. This means that youre spending $600 on dental costs each year even if you dont get any work done.
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Be On The Lookout For Charity Events
There are many dental charities nationwide who provide free dental care to those in need. Some well-known charities and resources include:
- Mission of Mercy: This nonprofit sets up portable dental stations in public areas to provide dental screenings and services at no charge to those who attend. Check out the Oregon Misson of Mercy to find free dental care near you.
- Dentistry From the Heart: This organization involves dentists volunteering their time to provide free dental services for adults and children for an entire day.
Pick The Right Medicare Advantage Plan
While original Medicare and Medigap plans do not pay for most dental work, many Medicare Advantage plans offer some type of dental coverage. Benefits vary, but many plans pay for preventative care such as oral exams, cleanings and x-rays, and some cover a portion of the cost of expensive procedures such as crowns, bridges and root canals.
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Apply For Your States Medicaid Program
If you qualify for Medicaid coverage it may provide at least basic dental care for children and emergency dental care for adults. Youll learn more at Medicaid.Gov but your state has the final say on what dental coverage it provides for children or adults.
Even if you applied for Medicaid coverage in the past, if its been several years you should check your states medical coverage Website every year to learn about changes and improvements in coverage, eligibility, and obligations.
Can I Go To The Dentist Without Dental Insurance
The answer to this question is – yes! And you should visit the dentist whether you have dental insurance or not.
At Northpark Dental, we have convenient payment options to help patients get the high-quality dental care they need and deserve whether or not they have dental insurance. We do work with many dental insurances and our treatment coordinator can help you navigate your claim even if we are out of network for your insurance plan.
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