How to Finance Dental Plans

One of the first things people notice about you is your smile. A bright, healthy mouth says a lot about a person. Good teeth and a good smile not only exude confidence, they are a barometer of a person's overall heath and well being. If your teeth are less than stellar, and your wallet is less than flush, there are resources you can use to help rectify the situation. Think of your teeth as an investment.

Instructions

Start at the Source

• 1

  Your dentist may have ways to assist with financing.

  Talk to your dentist's office personnel. Your dentist is your front-line source for your dental health. He has your best interests at heart. If you need extensive dental work, he should be willing to accommodate you if you need help in financing procedures. The office may have an in-house financing program or refer you to reputable outside sources. Some dentists give discounts to patients who pay in cash and to those who need more than regular procedures and will be patients on a ongoing basis.

• 2

  Your insurance company may provide flexible spending for dental work.

  Contact your local bank. Since they know your financial history, they may be more than willing to assist you with securing a loan. If you have good credit but just need a little help, they can be an excellent asset in working with you to find a low-interest loan.

• 3

  Don't forget about your insurance benefits.

  Check with your insurance company. Some policies have dental programs. Ask your human resources department to explain those benefits to you. According to Livestrong.com, the Consumer Guide to Dentistry may allow you to set aside a portion of your before-tax income to an account dedicated to dental work, if that is part of your policy.

• 4

  Use your credit card. This is one way to implement financial assistance to yourself. Be aware of your interest rates though, and try to make sure that you can pay off the balance at the end of each month.

• 5

  Search online for companies who specialize in financing nothing other than dental procedures. Be warned however, that not all of these companies are reputable. Check references and testimonials before deciding on a company.