How to Finance Your Dental Treatments


Imagine having to pay hundreds of dollars on the spot because your teeth have become progressively worse, and now you require immediate treatment. This scenario occurs more frequently than you think. Many people are often left in a financially difficult position after receiving dental care. The burden of a large dental bill can weigh heavy on patients, especially those with little coverage or no dental insurance. 

Putting your dental needs off for later can leave you in a much more difficult situation than you’re in, to begin with. Issues like cavities can become worse if not treated immediately. It can get to the point where you’re no longer able to chew food or may even result in the loss of teeth. 

Studies have shown that children suffer the most from the lack of dental care. A national survey conducted in 2010 found that in the last 6 months, 1 in 7 children ages 6-12 had suffered a toothache commonly caused by tooth decay. Early life tooth decay can heavily impact the development of a child. Tooth decay in children has been related to impaired development, low educational performance, poor behavior, family stress, diminished quality of life, and even disability and death. 

According to research, there are about 74 million people in America who do not have dental coverage. That makes dental care hard to afford, especially for low-income families. Through financing, your dental needs will no longer be delayed. It’s an affordable process that helps you to afford dental care regardless of your current income or financial situation. 

Why is Dental Care Important?

Dental care is a necessity that you will consistently require throughout your entire life and if it’s neglected, it’ll only cause problems, making things worse. According to research, people with gum disease have two to three times the risk of having a heart attack or stroke. That is why maintaining good dental health is vital. When you neglect your dental needs, it results in poor oral health. This doesn’t just mean taking care of your teeth or regularly brushing them, but it also includes the maintenance of healthy gums. 

Good oral health can reduce the risk of many diseases such as endocarditis, stroke, and heart disease. It can also reduce the chances of getting cancer or dementia, which initially starts from bacteria in the gums. Another reason why you should maintain your oral health is that it stops bad breath. Concealing bad breath with gum or mints will only last so long until the bacteria in your mouth starts to take over. If you haven’t gotten your teeth cleaned in a while or frequently keep skipping flossing, you can develop extremely bad breath. 

Your overall state of confidence is boosted when your dental needs are taken care of. Crooked, stained, or missing teeth can be embarrassing and hold you back from being yourself around people. It can even lead to a point where any social interactions cause anxiety, and you may refrain from situations where people will see your teeth. According to research, 1 in 5 adults experiences anxiety due to the condition of their teeth and mouth. The same report indicates that 1 in 4 adults avoid smiling altogether, and 22 percent of adults avoid social activities due to the condition of their teeth. 

Prolonging dental care has also proven to affect the chances of employment for some adults. Studies show that 29 percent of low-income adults feel like the appearance of their mouth and teeth affect their ability to interview for a job.

Do not hesitate to take that extra step in getting the perfect smile, and be sure not to neglect any discomfort you’re experiencing. The confidence and relief you’ll experience from taking care of your teeth will last a lifetime, and the last thing you want is to deal with a much worse and more painful situation. 

Finance Your Dental Care 

It’s understandable that maintaining good oral health or trying to achieve your desired smile can be costly. There are also times when you have no choice but to pay out of pocket for a treatment you desperately need. Getting your teeth cleaned can cost anywhere from $75 – $200, which does not include a regular check-up. If you require fillings, a root canal, or any sort of orthodontic treatment, you can expect to be paying up to thousands of dollars. Fishing out such large amounts of money instantly is not a luxury available to everyone, which is why Denefits has created the perfect payment options to help patients.

Denefits allows patients to pay for their dental services over time while simultaneously receiving treatment. This way, if a patient is not able to pay for their entire treatment upfront, they can choose to make monthly payments over some time and it doesn’t interfere with their treatment. 

Through Denefits, patients have the power to determine how much they want their monthly payment to be, determined by the cost of the service. But this can change based on the down payment made by the patient. Patients are instantly approved as Denefits runs no credit checks, making it accessible for anyone. This is beneficial for low-income families who have a hard time finding an affordable dentist. Denefits is an innovative platform that makes the process easier for both patients and practices. 

Other reasons why you should choose dental financing… 

Bad Credit 

A bad credit score is the result of many factors such as too many loans, missed payments, or applying for multiple credit cards. When that happens, applying for a dental loan is not the best option for someone with bad credit. That’s why financing is the most suited option, and with Denefits, you’ll be able to avoid any blow to your credit since there are no credit checks. 

No Insurance Coverage 

Having dental insurance doesn’t guarantee that you’ll avoid breaking the bank. Most insurance policies have an annual capacity, which limits the amount they’ll cover for you. Not only that, but they don’t always offer 100% coverage either. 

For example, your annual limit might be $1000, but the insurance company may only agree to cover 70% of each visit. This will require you to pay the remaining balance after each visit out of your own pocket. In addition to that, most insurance companies will not cover cosmetic treatments. So if you require braces or any dental surgery that come under cosmetics, chances are high that you’ll have to pay out of pocket. 

Look Your Best 

Make your first impression noteworthy! According to a survey of 1000 adults, 94 percent said they are likely to notice a person’s smile when they first meet them in comparison to their eyes, height, or figure. If you’re looking to stand out at work, within your social circle, or to find the right one, focus on your smile to leave an everlasting impression. 

Furthermore, 75 percent of adults believe an attractive smile helps them get the job their dream. Along with making sure every aspect of your appearance is presentable, a straight smile will capture the eyes of anyone you come across. Smiling is proven to make one look more approachable and friendly. This is because people are more likely to respond to positive emotions over negative ones. 

Dental Care Made Affordable & Accessible 

Denefits allows patients to afford the luxuries of life without any stress. It is a payment solutions system that works with the needs of both practices and patients. When you choose to finance your dental needs, you’ll be able to budget and afford other things in your life without issues. You’ll never have to choose between your health and financial stability again! 

Bonus Tips to Maintain Good Oral Health 

Get Regular Check-Ups 

Visit your dentist for regular check-ups and cleanings. Most dentists recommend getting your teeth cleaned at least twice a year and an X-ray once a year. An X-ray will help determine the current state of your oral health. It helps identify any cavities, tooth decay, and other oral problems. While conducting a complete dental exam, a dentist will check for the same issues along with any damaged teeth, the condition of your gums, teeth grinding, and more.

Use Recommended Tools 

Ask your dentist which brush is best for your teeth. Most dentists will recommend an electric or soft-bristle toothbrush. You should brush your teeth twice daily for at least two minutes. If you’re unaware of the correct way to floss your teeth, be sure to go over that with your dentist as well. It’s important to floss at least once a day to reach all the areas your toothbrush may miss. 

Monitor Your Consumption 

Avoid smoking and other uses of tobacco as they’re extremely damaging to your teeth. Alcohol is also linked to many oral health diseases, so monitoring your consumption will help prevent additional damage to your oral health. Overall, a nutritious diet can help you maintain oral health. 

So don’t hesitate and get those regular checkups to smile with confidence. You can learn more about financing through Denefits’ website or download the app. There’s also an option to request a callback from the Denefits Team for any additional information.

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