Dental care is key to our overall physical health, but some of us don’t have dental insurance that pays for routine cleanings, exams, procedures and emergencies. If this is the case for you, our Toronto dentists offer advice on what you can do.
What can I do if I don’t have dental insurance?
As we age, our teeth become more vulnerable to decay, discolouration, erosion and breakage – all things that require the attention of a dentist. But for many reasons, not all of us have dental insurance.
Many are self-employed, only work part-time or are precariously or occasionally employed. Others are retired. No matter the reason, if you’re without insurance there are a few things you can do.
Purchase dental coverage.
You may be able to purchase dental insurance coverage privately for a monthly fee. Several insurance companies sell dental insurance plans to self-employed individuals and those who do not have coverage through an employer. Ask your insurance company about the right plan for you.
Talk to your dentist about a payment plan or financing options.
Talk to the administrative team at your dental office to find out of they offer a payment plan or financing that could help you manage your dental costs. At Kaplan Dental Clinic, we offer multiple insurance options, and our administrative staff are trained to help you understand these options and set them up for you.
Participate in a charity event.
Some non-profit dental associations host events where dentists offer free or low-cost dental services. These can be great for patients who would otherwise forgo attending dental appointments due to financial constraints.
Go to a dental school.
Dental schools offer good quality dental treatment at reduced costs so students going through training can gain experience. These students are closely supervised by licensed dentists who check each phase of their work.
Though your appointment may take longer than at your regular dentist’s office, the trade-off is that you can save significant cash.
Take preventive measures.
One way to make your dental bills less costly in the long run is to ensure you have a great oral care routine. Remember to brush at least twice daily for two minutes each time, and floss at least once a day.
This helps keep plaque, bacteria and gum disease at bay and can prevent having to visit a dental emergency clinic.
And while it may seem counter-intuitive, be sure to visit your dentist regularly for routine checkups and preventive care. These visits do come with a fee, but they could help you avoid more costly treatments down the road, because any developing problems can be caught early on, when they are still relatively straightforward to treat.
How much does a dentist appointment cost without insurance?
The cost of dental procedures not covered by insurance can vary, depending on the procedure, the severity of your case and other factors. We can provide an estimate for any procedures you may require.