How To Manage Dental Costs

While the media spotlight has been pointed on the healthcare debate

, little has been said about the more than 100 million Americans who are without dental insurance. Most employers that offer dental insurance, which is much smaller number than offer medical insurance, offer it with limited benefits. And for many Americans the prospect of paying for individual dental insurance is often too costly.

Ignoring the Dentist:

Many Americans simply decide not to go to dentist rather than pay for routine checkups and fillings that can set a patient back hundreds of dollars. Then the situation is compounded by people ignoring a toothache that later turns into the need for a costly dental procedure or the person loses the tooth completely. More than 30 percent of Americans haven't visited a dentist in the last twelve months. Obviously, this is a risky option, as dental problems are typically more easily treated and, therefore, less expensive when treated early. Waiting to resolve a dental issue may seem like it makes financial sense, but ongoing, preventative treatment will almost always save you money in the long run. In addition to saving you money, it will save you time and discomfort.

Insurance Can Fall Short:

Patients need to be aware of what their dental insurance covers. Most insurance policies will pay a higher percent on preventative procedures (such as cleanings) and a much smaller percent on restorative procedures (such as root canals). It is always good to know the price of a procedure and how much your insurance will cover (no matter how simple) before agreeing to it. Check your insurance policy before making the decision to skip your dental visits.

It Is All About Prevention:

In terms of taking care of your oral health, prevention is always the best policy. If you skip $100 teeth cleanings you could end up with a $1,000 root canal. Ignored dental problems may cause such discomfort that you end up in the emergency room with a much higher bill than had you gotten the problem fixed earlier or avoided the problem altogether with normal dental check ups. For this reason, most dentists strongly encourage 'preventative dentistry,' which addresses these issues before they become major problems.

Paying Your Bill:

Go to a dental practice that offers many financial options. Ask about cash discounts, dividing the balance over a few months interest-free, or longer financial arrangements that give you a manageable monthly payment while allowing you to have the treatment and health you deserve.

by: Darla Scheidt

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