Dentistry can be expensive, but it’s a necessary cost. It’s important to put your health first and address your dental issues instead of avoiding them due to cost. Putting off going to the dentist can cause further issues and end up costing more. Still, going to the dentist can be frightening when you don’t have much money or insurance. Luckily we have a few tips for keeping your teeth and bank account healthy while going to the best dentist. For this article, we’re going to assume you do not have dental insurance and cannot get it through employment and/or a partner or parent.
Planning your payments and being honest
Most dentists are sympathetic to the struggle of being unable to afford the work fully. In these situations, they often offer payment plans. These can stretch your payment out over months (and some rare cases, years) to make it possible for you to afford. Consider it like taking any other loan, it’s paid down over a set series of months, but you get the work upfront. However, these loans usually come with interest, so you will pay more than you would upfront. The loans are often handled through a third-party or in-house loan company. Be honest with your dentist about your financial situation, and you’ll be able to create the best solution. The best dentist will listen and be able to help. Companies such as care credit or Lending clubs are just a few public institutions. If you have good credit, you may even apply for loans and financing through these companies to get your cosmetic dentistry done. However, cosmetic dentistry is a discretionary dental treatment. They also offer interest-free loans for up to 6 months.
Private Insurance and Tips
Private insurance is another good option. While not as simple as getting it through a job, it offers similar benefits and provides you with good care. Unfortunately, the process of getting it can be piecemeal and somewhat difficult. Insurances don’t typically cover cosmetic dentistry, but that varies depending on the provider. Another great tip is to have an emergency dental fund thru your job or the corporation you work for. Having these unique plans thru your employer or corporation can save you stress and money. Finally, asking the dentist if they can offer you a percentage off your cost if you prepay your treatment in full is a good idea. While you may have to skimp on fun events, you may save money and not worry about loans or insurance payments.
Be aware that even if you have dental insurance, the Maximum your insurance pays is $1000 to $2000 per year. This maximum does not mean that if your cost of treatment is $1500, you will be reimbursed the full money back; they will only pay you back a certain percentage of their fees, which they decide. So usually, a patient needs to spend 3 to 4 times the amount of their insurance maximum to get their maximum back! Be aware that most, if not all, cosmetic dentistry or high-end dentistry is usually not covered by any insurance company. In the long run, most patients are better off not having dental insurance since they will get frustrated for spending too much time with the insurance companies and, in the end, not getting reimbursed.
If you want excellent dental care, go to Dr. Anthony Mobasser with over 30 years of experience. Check out his website https://celebritydentist.com/ or call his office here at (310) 550-0383. You can use our money-saving tips and get the best dentist to diagnose and have the best dentistry done, which looks good, feels good, and lasts a long time!
Are you looking for a cosmetic dentist in Los Angeles? If you want to improve your smile and feel more confident, look no further than Dr. Anthony Mobasser.
With over 30 years of experience, Dr. Mobasser uses advanced techniques and top-tier technologies to correct imperfections in your teeth, giving you a perfect smile.
Dr. Mobasser has amassed a long list of celebrity clientele who know they can count on him to help them put their best face forward. If you want a Hollywood smile, contact the staff at Dr. Mobasser’s Los Angeles office to schedule your first appointment.
To make the process easier, we offer free consultations to begin the journey toward your new smile. Call us today to get started!
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