Dental Care on a Budget
Paying for dental work can sometimes hurt more than the dental work itself
. Many people who live on a tight budget may not go to the dentist until absolutely necessary, and when they do go, it's for something that comes with a pretty painful price tag. Some dentists will agree to payment plans, but do not have the ability to do so, due to high medical supply costs and insurance restrictions. In some instances, if you do not pay up front or very soon after your treatment, your dental provider will send you to collections. There are even some instances where dental offices will ask for your balance in full, even before your bill has been submitted to insurance. This is because insurance companies will sometimes take up to six weeks to process a claim, and smaller dental clinics cannot wait that long to be on a bill that might be over five thousand dollars.
Getting sent to collections can have adverse effects on your credit score, and can put you in further in debt, so it is best to ask what your dental provider's billing policy is, before you sit in the chair. If your bill goes into collections, your paycheck can be garnished and you can even lose your job, or be denied employment since many employers check credit scores before hiring and during employment. This is a pretty scary thought for some people, so they wait until they are having an emergency before they go in. There are dental clinics designed for people such as this, and they can provide low cost or even free dental care. In some areas clinics that provide low cost or free dental care to low-income individuals, may be hard to find and you may have to go into another city to find one.
Dental Care on a Budget
By: Jenny Maloy
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