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Old 10-02-2006, 09:15 AM   #1
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Reynolds726 HB User
Looking for a dental payment plan

I'm in extreme pain and I live in NC. I need help finding either free dental care or a service that'll let me make monthly payments. I don't have enough money to visit a dentist and pay upfront. I have two broken wisdom teeth on each side of the bottom of my mouth with very painful abscesses as well as a broken molar on the top right side. I tried Care Credit but I was denied. What can I do?

 
Old 10-02-2006, 12:45 PM   #2
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Thelma-Louise HB UserThelma-Louise HB UserThelma-Louise HB User
Re: Looking for a dental payment plan

In 2004 I had a lot of dental work done and the denitst office had an application form with Capital One which offered 12 mos 0% financing on helath care services - it worked well for me. Just a thought.

 
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Old 10-02-2006, 03:54 PM   #3
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Re: Looking for a dental payment plan

Are you required to make a certain amount of money each year or have good credit? Those were reasons for not being accepted for Care Credit. I'll look into Capital One. These teeth are killing me. I can live with the minor problems with the molar but I need two extractions and these abscesses taken care of. Thanks.

P.S. I just checked Capital One dental and good credit is required along with 1,250 a month which I don't make. Sucks to be me.

Last edited by Reynolds726; 10-02-2006 at 04:02 PM.

 
Old 10-02-2006, 04:26 PM   #4
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Re: Looking for a dental payment plan

I'm sorry. Do you have any dental schools or universities in your area? How about dental clinics?

 
Old 10-02-2006, 05:40 PM   #5
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Re: Looking for a dental payment plan

The only dental school I can find is at UNC in Chapel Hill which is 3 hours or so away. I live in Gaston County in NC. Also there is a dental clinic in this county but they really aren't that great. They only accept appointments once a month on the 2nd. I called but the appointment isn't till November 28th and they're not really that great. I've had bad experiences with them in the past. Several years ago I visited them about my right broken wisdom tooth (then not abscessed) and they tried to refer me to a specialist for removal but I couldn't afford that or I wouldn't have been in the clinic in the first place. All they did was clean my teeth and take x-rays and that's all I expect them to do this time with my old and new dental problems. If anyone knows of any other options I'd like to know. Thank you.

Edit: I just now checked out the UNC dental school and there's no way I can be accepted.. They draw people at random in a monthly drawing then even if I'm selected I'd be put on a waiting list for up to 6 months until my dental problems "satisfy the School's educational objectives".

Edit 2: Since I've never been to an actual dentist (other than that one trip to the dental clinic years ago) I don't know exactly how everything works. Do you have to pay 100% of the fees at the time of service or do they bill you and you pay them a certain amount monthly? Also I see that dental insurance pays a certain percentage of your fees which is great but do dentists expect to receive all of their money up front?

Last edited by Reynolds726; 10-03-2006 at 05:21 AM.

 
Old 10-03-2006, 03:21 PM   #6
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Re: Looking for a dental payment plan

With dental insurance, those drs that enroll with an ins company generally agree to standard rates and accept what the insurance company gives them with a small amount payable by the patient. This is often referred to in-network drs. When you go to a dr that has not enrolled or particpates with an is co (referred to as out-of network drs), you usually pay the dr the fee he charges and submit a claim to the insurance co for reimbursement. The reimbursement is usually much less that what they would have covered had you used an in-network dr.

I have seen ads in my local paper of drs that offer financing - but it again may be based on credit. The only way to find a dr who is willing to accept a monthly personal payment is to call around and ask. Nowadays most dentists don't offer that too much - its too much trouble for them to go after people who just stop paying them after the work has been done. So most want payment up front.

Have you tried checking for free dental services in your area on the web or with your local governement (be it city, county, state, etc.) to see if they offer or sponsor dental services for those with low incomes?

UNC doesn't sound like much of a dental school if they only accept 4 patients from a random drawing - in most dental schools, the student dentists work on patients to get experience...although I I have heard the wait can be long due to the number of people that go to them. Did you check out what their site said if you had a emergency - sometimes they can get you in sooner.

 
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