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Paying For Expensive Dental Work

Money Tip: Review Your Dental Payment Options

Whether or not your teeth-y needs are covered by dental insurance, involved dental procedures can cost a shiny out-of-pocket penny. One option that might be worth investigating is CareCredit, which offers a credit card accepted by over 75,000 health providers. Don't get me wrong, I'm not promoting debt here, but taking care of your teeth is a necessary part of your overall health and this may be something to investigate if you have some dental issues that need to be handled.

If you make the minimum monthly payments, CareCredit's plans won't charge you interest for three to 18 months if your balance is over $300. If you miss the monthly payments, interest charges accrue at a high variable rate. This option is really only for people that know they're able to make timely payments, and would be able to pay off the balance by the time the no interest period ends. Then again, there's always Mexico!


Join The Conversation
JessLehry JessLehry 9 years
I've used CareCredit for other medical expenses. The no interest for 18 months is great! I can pay it off with no interest as long as I meet the minimum each month. I wouldn't really consider it a bad thing as far as debt, since you're just gradually paying it off- obviously if this is an option for someone they don't have the money to pay whatever it is upfront.
CaterpillarGirl CaterpillarGirl 9 years
I have dental insurance for my hubby and I. It covers all x-rays office visits, teeth cleaning, but everything else I have to pay 20% of. Each of us has 1200 dollars and thats it for the year, anything over that? and I have to pay for, which is ridiculous. I just had a root canal, 1050, office visits were around 100 bucks each (xrays for endotontist and dentist) So I have nothing left. BTW i have CompBenefits PPO I had to open a "dental credit card" but my credit limit is 2500, sounds like alot right? I have to get a Cap on the tooth i had a root canal on, thats around 1500, not including "labs". It sucks.
DreaAST DreaAST 9 years
My husband's employer just got new dental insurance and so far I am not liking it :(
juju4 juju4 9 years
I am sad because we have a great dental provider at my office, but are probably going to have to switch because of the rates going up. I have actually had employees come up to me and rave about our dental coverage....that doesn't happen very often!
bellaressa bellaressa 9 years
ashcwebb, I totally understand. Last year I had oral surgery for 3 wisdom teeth and my insurance told the dentist that they would cover a portion, I came up with my 400.00. After the surgery, I found out my insurance only covered a lil over 300, leaving me to pay the rest which was 475. I was so upset but the dentist office set up a payment plan for me. See if you can do this. Best of luck. Ohh yeah, it feels much better when you get them out, I never had problems with my wisdom teeth and they came in all in a months time and I needed to get three out (the 4th never came in).
fitgirlFL fitgirlFL 9 years
I had dental work done last year - cost just over $3,000 and my insurance only covered about $800. I ended up having to use my credit card to pay for it.
LaLaLaurie06 LaLaLaurie06 9 years
I have no dental insurance. I don't understand why dental work, even just a check-up, can't be covered under regular medical insurance. How is my oral health any different from my physical health? Does the government WANT me to lose my teeth b/c I can't afford to pay for the dentist? Paying out of pocket for check-ups is expensive as it is and when you don't make a lot of money as it is, this is why people are poor. grrrrr.
Liss1 Liss1 9 years
Ashcwebb, i had to have all four of mine out a few years ago with no dental insurance. It cost $1,800.00 fortunately the oral surgeon made payment arrangements with me. I did have to put some down before the surgery but then i made monthly payments. You should ask your dr. about it, most dr's will work with you. Good luck!
raieven raieven 9 years
wisdom teeth are currently ruining my smile, i may check this out.
aimeeb aimeeb 9 years
I like my current dental insurance. :)
melizzle melizzle 9 years
Ugh, dental care is so expensive... and dental insurance doesn't help much! ashcwebb, I know how you feel, I was in the same boat last month! But, it's totally worth it; I'd rather deal with this than having to get braces when the wisdom teeth grow in and ruin my smile!
ur_momm ur_momm 9 years
I have dental with my work which i take full advantage of and go to my twice a year visits. But now i need braces (due to some teeth that were pulled out years ago - not for esthetic reasons) But unfortunately, for orthodontics, if i had a kid who was 19 years old or younger, it would be covered but not for me (and i'm only 23) So i need to pay 7,000 out of my pocket. I could have done a payment plan with my bank but why pay more for interest! So I'm going to put a down payment of 20% (bye bye savings) and then i will be paying about 200$ a month for 2 years. it sucks ASS (no vacation this year) but i dont wanna end up paying more for interest!
freegracefrom freegracefrom 9 years
ashcwebb - CareCredit is an option, I guess. :) Plus, I know a lot of oral surgeons will work out some sort of payment plan with you too. Dental insurance never ever seems to cover enough.
Lovely_1 Lovely_1 9 years
urrggg... i need to get my wisdom teeth out which is going to cost me $1500. My insurance will only pay $650 so I have to pay $850! I can't afford it...and I don't knwo what to do!
freegracefrom freegracefrom 9 years
Thanks for this! My boyfriend doesn't have dental insurance and I think this would be an especially attractive option for him. I've vaguely heard about CareCredit, but it was hard to find any information.
Shopaholichunny Shopaholichunny 9 years
Hmmm...This is interesting. I heard about this yesterday
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