Dental care is a very important part of your overall health. The thought of dental care and the associated costs can be intimidating to most. There are a couple of different options when it comes to paying for your dental work. Whether you have private insurance, government aid or are paying out of pocket you’ll need to know what you have and what it all covers. There are also measures you can take to help reduce your costs with your dentist!
There are many people who are able to participate in government-assisted insurance, Medicare or Medicaid. Medicare is for those that are 65 and older or for those that have severe disabilities, no matter your income. Medicaid is specifically for those that have low income and need extra assistance including children and their parents, pregnant women, the elderly and those with disabilities.
When it comes to dental, both programs have their own offered coverages. Medicare does not cover comprehensive dental care costs. Medicare Part A (Hospital Insurance) will pay for certain emergency dental procedures. On the other hand, Medicaid covers dental services for all children (up to age 18). It’s up to the individual state to decide whether or not to provide adult dental coverage for those on Medicaid. Most states provide at least emergency dental to adults. However, less than half of the states offer comprehensive dental care for adults.
An estimated 164 million work hours are lost each year due to oral disease. Good oral health is an important part of your overall health and regular checkups and cleanings are necessary. With regular screenings, your dentist can help catch any problems before they get out of hand. On average, it’s suggested to go to your dentist for a cleaning twice a year, once every 6 months. Two dental visits a year to maintain your dental health end up being cheaper than emergency dental work due to disease and toothaches going unchecked for too long. A preventive dental visit includes an oral exam, x-rays, cleaning, and fluoride treatment. A lot of insurance companies cover most, if not all, of the preventive dental visit. Other ways to help reduce your dental costs are:
Are you one of many who do not have dental insurance? There is a solution to getting the dental treatment that you need, outside of insurance coverage. It is called Care Credit. Care Credit is a credit card that helps you pay for your health and beauty needs. It helps you receive the treatment you need and want, and it allows you to take advantage of special financing options so that you can pay monthly. You can apply right in your provider’s office.
They have special options such as:
No interest if paid in full by 6, 12, 18, and 24 months on treatment $200 or more.
Extended payment plans of 24, 36, 48, or 60 month period with fixed monthly payments and interest.
Don’t let the cost of dental care keep you from maintaining good dental health. Through insurance and personal choices, you’ll be able to better manage your dental bill. Contact us to schedule your dental appointment now!