Cash 1 Blog
Reasons To Get Dental Loans
You’ve probably had these thoughts as well, but it seems odd that such things like dental and vision are separate from standard medical issues, or at least they are considered separate by the AMA and the government. If you have benefits from your job, you’ll notice that dental and vision coverage are completely differentiated from standard medical care and often are covered by completely different medical insurance companies.
Medicaid and Medicare only cover dental emergencies, though those are vaguely defined (do your teeth have to be falling out to constitute an emergency?), and in the days of so-called ‘affordable care’, many companies have stopped offering dental and vision as part of their coverage.
If you are on a very tight budget, then dental concerns become potentially troubling concerns when a toothache comes along, and for most people, regular checkups are simply bypassed as an unnecessary expenditure.
We all want to save money on dental care, but it’s not always easy, and when something does come up, the expenditures seem potentially intimidating. But there is no reason to lose hope; there are ways to save money and still get good dental care, even if you have bad or no credit.
Start with Dental Care Basics
Taking good care of your teeth is essential, and good preventative tooth care can keep you out of the dentist’s office altogether. First, asses yourself and your condition. If you do not feel any pain, that’s obviously a good thing. Feel around your teeth for possible unevenness on the surfaces; most cavities tend to manifest themselves near the gum line. If you feel you do need a checkup, we’ll tell you how you can save money on dental care a little later, but for now, you’ll need to get some basic supplies and maybe form some new habits.
First, get an electric toothbrush with a vibrating or rotating head. The highest recommended devices are made by Sonicare, but as toothbrushes go, they can be a bit expensive. However, all of the major manufacturers do make affordable versions of rotating or vibrating toothbrushes, and you can generally find one for about eight bucks at your local discount grocery store or pharmacy. These toothbrushes run on batteries, and while you are at it, get yourself some floss.
Now, brush twice a day, for three minutes each time, and floss after meals. We’ve no doubt that you have a strong arm and can probably apply decent force to your teeth when it comes to brushing, but it’s not really about force so much as the movement and vibration are very effective at helping to remove plaque and bits of food; yes, even that eight dollar electric brush will be more effective than your traditional manually operated version. Some people make brushing their teeth part of their shower routine, especially if they need to let a conditioner set in or just because it’s convenient. Nothing wrong with cleaning your teeth as part of the regimen of cleaning yourself.
Flossing isn’t difficult, but it can be an annoyance when sometimes all you want to do is plop down in front of the TV after dinner. We totally get it. For about two dollars, you can get plastic toothpicks that come with a small flossing attachment. They look like this. Keep a jar of these next to your couch or easy chair and reach for one when you sit down after your meal.
OK, let’s talk about more serious needs. Perhaps you’ve had a toothache for a while now but you just don’t want to get bogged down in bills, and you certainly don’t want to put a dentist visit on your credit card.
In fact, we strongly recommend you do NOT put a dental visit on your credit card. Some card companies charge extra interest on what they call ‘specialty charges’ that can include medical and dental office visits.
Check to see if there is a dental school in your region. Schools are always looking for people to help with teachable issues and in return you get a free checkup or even something more necessary. Don’t be afraid to call and ask what they’re looking for, even if you don’t know for sure what your problem is. The students are overseen by a licensed professional, so you don’t need to be nervous about this, and again, you’ll be saving some money.
Think you might need some extensive work? Do an online search for ‘discount dental plan’. Many companies offer direct insurance not attached to medical insurance, and they tend to offer a discount in return for regular monthly payments.
If you’ve got bad credit, you might want to look into dental loans for bad credit, or an advanced payment program such as this one. Some payment plans offer a discount even if you have bad credit or no credit. The link we provided is just an example, make sure you shop around to see if there are better deals to be had.
Once you get to your dentist’s visit, don’t be afraid to tell him or her that you are on a very tight budget. Ask what procedures are absolutely necessary, and ask what can be put off until later. You might be surprised to find out that a very expensive procedure can be stalled with good self-dental care and you can get the necessary work done at a later date when you feel you can afford it.
Finally, if after all the other options haven’t worked, go get your dental work done and speak to them up front about your situation. A vast majority of dentist’s offices will be happy to work with you and your financial situation to set up a payment plan that deals directly with the office instead of an intermediary program. Believe it or not, a lot of dentists actually like this system for various reasons such as avoiding lump tax payments, bringing in money when times are slow, and so forth.
Personal installment loan lending has become very popular recently and it's easy to understand why. Offering longer payment terms and smaller payments, large personal loans with no traditional credit check are an obvious solution when stressful financial situations occur. Many times the bank won't help you because your credit is low and life gets complicated when you ask friends or family for a loan. These moments are stressful and all too common. If you need money to cover emergency expenses you should read on and learn about the reasons and the situations when you might consider installment loans in Nevada.
Benefits of Dental Loans
The Affordable Care Act doesn't require dental coverage on ACA compliant plans, so adults without dental care are fairly common. If you've ever had a toothache creep up on you then you know it's painful and it could cost you days off work. In a situation like this - Dental loans can be a real assistance.
If you are applying for an installment loan, you'll notice that many of these lenders are open later than banks. You can also get approved and make payments online at your convenience.
Dental Financing Has Instant Approval
You can usually get your money the same day your loan is finalized. Often this could be as short as fifteen minutes.
Your Information Is Secure
When you apply online you'll need to provide certain personal information such as your bank account and social security number. Online lenders are committed to protecting your privacy and use the newest technology to keep your information secure. Be sure to check for a valid SSL certificate before you apply.
You Can Have Bad Credit
Qualifying for installment loans is easy since most lenders do not require a complete credit report and do not require that you have good credit or, for that matter, any credit history. Most lending decisions are based on your ability to repay your loan. You will need sufficient income and to have never defaulted on an installment loan in the past.
You Don't Need Collateral
Your income works as collateral when you apply for an unsecured installment loan. Knowing how to get a can help in many financial situations. but you need to remember to borrow responsibly and be sure that you can pay your loan back.
Joseph Priebe takes pride in assisting audiences with his articles to help them make sound financial decisions.
With over ten years of experience writing financial content his goal at CASH 1 has always been creating engaging and easy-to-digest information for anyone searching for immediate or long-term monetary solutions.
When Joseph is not writing about personal finance, you can find him photographing the Southwest United States with his 4x5 Graflex Crown Graphic camera. He is based in Phoenix, Arizona.