Posted on: 29 August 2017
The low limits of dental insurance, coupled with the high cost of paying out of pocket for certain dental treatments, may lead to many adults falling behind on their dental work. If that's you, you might be looking for a plan to get caught up in a way that fits within your budget. Speaking with your dentist, try and come up with a plan that looks something like this:
Prioritize the Most Important Stuff
Some dental issues are more likely to lead to infections, gum disease, or more serious cavities. Speak with a dentist in order to figure out how to prioritize each dental need.
Look for Long-Term Fixes
It may seem counterintuitive to some people to go for the most comprehensive solution to a dental problem when you are on a budget. But if you're already trying to get caught up with dental work, imagine if your root canal fails in 2 years and you need to get another treatment. That's why prioritizing long-term solutions, like dental implants or partial dentures, can be better than choosing a procedure that has marginal success rates.
Get the Best Coverage You Can
Also look at increasing your coverage to the maximum for the upcoming year. A big problem is that dental insurance maximums often don't cover everything you need to get done for the year if you have at least two major procedures. But if you get the best coverage you can possibly get, you will at least have as many insurance dollars as possible coming from the insurer, rather than your pocket.
Set Aside Money Consistently
Setting aside money from each paycheck will be helpful for the expenses that you do have to pay out of your own pocket. You might have to set aside money that would normally go towards another savings account, such as a down payment on a home or an additional retirement contribution. Stopping these contributions temporarily is a good idea for an urgent dental need that could only get worse with time; after all, this is directly related to your health. It's worth aggressively saving for dental treatment and then resuming your regular financial routine.
Create a Schedule and Set Goals
Depending on how you want to arrange your treatment plan, you may have 1 to 2 years of dental work ahead of you. That's if you want to spread the treatments out so that you can take advantage of multiple years; dental insurance payouts. Be sure to discuss the expected costs with your dentist so that you can plan how much you need to save.
Contact a dentist like Kenneth F Wallace for more information and assistance.Share