Tag Archives: zero interest payment plans

Affordable Dentist for White Fillings

I’m in need of help. You may think I’m just being vain, but I can’t get my dental insurance to cover white fillings. I need one on a front tooth. My insurance will only give me a silver filling. That’s just too humiliating to consider. Is there a way to find an affordable dentist who’ll let me get a white filling at a reasonable price without my insurance?

Cienna

Dear Cienna,

Phoenix Affordable Dentist

William Somerset Maugham once said, “Money is like a sixth sense – and you can’t make use of the other five without it.” It’s frustrating when you don’t have money to do things that are actually important and good for you. Dental insurance companies are renowned for only covering the most basic of care, even if another procedure is better for you. That is true of how most of them handle fillings as well.

It’s not vain to want your teeth to be all the same color. Plus, there’s the added worry about the high mercury content in silver fillings. While many dentists demand payment upfront, there are some affordable dentists who’ll be willing to work with you.

Some do payment plans. Others will give you the white filling while billing your dental insurance for the amalgam filling and letting you pay the difference.

In your place, I’d find a dentist you trust and explain your situation. Dentists want you to have a smile you’re proud to share. It reflects on them as well. I’d be willing to bet most will work with you.

Affording White Fillings and Teeth Whitening

I know affordability is an issue for you, but I just want to be sure you know once the fillings are made, the color cannot be changed. Because you said it will be on a visible tooth, make sure your teeth are the color you want. You can whiten them now, before getting your filling so they’ll match.

Or, if you need to save up because of costs, you can get your fillings then when you’re ready to whiten, you’ll just have to re-do them.

You may want to talk to your dentist about Care Credit. It’s a medical credit card that will allow you to get both procedures and pay them out in reasonable bits. Depending on your credit, you can even get zero interest terms.

This blog is brought to you by Dr. Kevin Peck.

Are All Dentists Judgmental?

I’ll admit I don’t get to the dentist as often as is recommended. It’s not that I don’t want to, it’s just I can’t afford it. Not only do I not have dental insurance, so everything must be paid for out of pocket, but I lose income by going. I’m paid by the hour and dentists only seem to be open during normal working hours. I have to miss work to go. Essentially, I’m charged twice if you think about it. Even though I don’t go very often, I do try to go every two years. I rarely have a problem with my teeth, but I get a lecture every single time. I’ve switched dentists every couple of years for that very reason, but no matter who I go to, there’s still that lecture. Why are they so judgmental? Why can’t they seem to understand it’s a sacrifice for many people to get to the dentist?

Avery L.

Dear Avery,

I can understand your frustration. Here you are trying your best, making sacrifices to even get to the dentist and when you do, they treat you like someone who doesn’t take care of things. First, I want you to know that not all dentists will lecture you. In fact, some dentists will just be grateful you came and tell you so. Both sets, judgemental and non-judgmental, likely have the same mindset behind their response. They care and want you to get the proper care for your teeth. They go about it different ways, some more productive than others, but they mean well.

It sounds to me like you want dental care, but you need an affordable dentist. There are dentists who work to keep their fees down. They may even work with your schedule, so you don’t lose income. Explain your work situation. It may not be that they hold regular Saturday or evening hours, but would be willing to meet with you twice a year at less than peak times so you don’t lose income to get your teeth cleaned. They wouldn’t want you to advertise they’re doing that, but would be willing to help.

Another option is to consider using a program such as Care Credit. It’s a medical “credit card” of sorts. It allows you to go ahead with treatment and then slowly pay out the bill for the services you receive. Depending on what type of credit you have, you may even be able to get zero interest payments.

Something patients don’t generally consider is how much going to the dentist regularly saves them money, health, and time. If you get your teeth cleaned regularly you’re less likely to develop a cavity. If you do happen to develop one anyway, they’re often caught so early that a simple, small filling will be enough. When things are left to progress without early intervention you end up with a more invasive (and costly) procedure, such as a root canal treatment, or worse, an extraction and the need to get a tooth replacement.

This blog is brought to you by Dr. Kevin Peck.