How to Afford Dental Care When You Don’t Have Dental Insurance

Posted on: September 9, 2015 | Blog

Three Ways to Make Dental Care More Affordable

Healthy teeth are essential for overall good health. Brushing, flossing and using a fluoride rinse are helpful, but a checkup and professional cleaning at the dentist’s office are critical to good oral health. In addition to polishing and examining teeth, dentists also diagnose serious conditions such as oral cancer, periodontal disease and even diabetes. These tips can help anyone who needs professional dental care find a dentist without insurance.

How to Afford Dental Care When You Don't Have Dental Insurance

Flexible Spending Accounts

Flexible health care spending accounts are an easy way to set aside tax-free money to pay for medical and dental services. Employers often set up these programs so that employees can sock away a specified amount out of each paycheck. Once you receive dental care, you can submit for reimbursement for your out-of-pocket expenses.

Health Care Savings Accounts

Health care savings accounts are a great option for people who only have a high deductible health insurance program with no dental coverage. The health care savings account can be used on qualifying medical and dental care, such as x-rays, cleanings, exams, fillings, root canals and tooth extraction. The money is tax-free and can be allocated all at once or in increments out of each paycheck. This annual account also has a rollover period so that the money that you don’t pay within one calendar year does not go to waste.

Care Card

The Care Card program is a line of credit that you can apply for if you need extensive dental care and you do not have any dental insurance. Your payment will be calculated based on your monthly income and will not exceed a certain percentage. This helps to make your care more affordable so that you can get everything done right away without needing to wait until you have the cash.