How To Finance Dental Costs: Dental Loans

Dental care is one of the most important but also one of the most expensive aspects of healthcare. In fact, dental procedures can often be quite costly, especially if you need more than just a routine cleaning. If you’re not careful, financing dental care can become a real burden.

How To Finance Dental Costs: Dental Loans

But it doesn’t have to be that way. There are a number of options available for financing dental care, from dental loans and credit cards to flexible spending accounts and health savings plans. And with a little bit of planning, you can even save up for future dental costs.

In this blog post, we’ll take a look at how to finance dental costs so that you can get the care you need without breaking the bank.

The true cost of dental care

The high cost of dental care is a major barrier to accessing care. In the United States, dental care is not covered by most health insurance plans, and out-of-pocket costs can be prohibitively expensive for many people. There are a number of reasons why dental care is so costly.

One reason is that dental procedures are often very complex and require specialized training and equipment. For example, root canals, which are common procedures, can cost several thousand dollars because they require the skills of an end odontist, a specialist who performs this type of procedure. In addition, dental procedures are often performed in a hospital or outpatient setting, which adds to the overall cost.

Another reason why dental care is so expensive is that it is considered a cosmetic procedure. Unlike other medical procedures, such as heart surgery or cancer treatment, insurance companies do not typically cover the cost of dental work. This means that patients have to pay for all or most of the cost of their care out of their own pockets.

Finally, the high cost of dental care may also be due to the fact that there are few government regulations on pricing. Unlike other medical services, there are no set fees for dental procedures. This allows dentists to charge whatever they deem necessary for their services.

While the high cost of dental care can be a major barrier to accessing needed treatment, there are some options available to help make care more affordable.

Dental insurance: the basics

Dental insurance is a type of insurance that helps to cover the cost of dental care. There are two main types of dental insurance: indemnity plans and managed care plans. Indemnity plans provide coverage for a certain amount of money per year, while managed care plans provide coverage for a certain number of dental procedures per year.

How does dental insurance work

Dental insurance works by reimbursing the dentist for the cost of the procedure. The insurer will either pay the dentist directly, or reimburse the policyholder for the cost of the procedure. In some cases, the insurer will only reimburse a portion of the cost of the procedure.

What does dental insurance cover

Dental insurance typically covers preventive care, such as cleanings and X-rays, as well as basic procedures, such as fillings and extractions. Some policies also cover major procedures, such as crowns and bridges.

Dental financing options

Dental loans are a type of personal loan that can be used to finance dental care. They typically have fixed interest rates and repayment terms of two to five years. Some lenders may require collateral, such as a car or home equity, while others may not. Dental loans can be obtained from banks, credit unions, and online lenders.

Dental credit cards

Dental credit cards are another financing option for dental care. They work like regular credit cards, but usually have special financing options for dental procedures. For example, some cards offer 0% APR for 12 months on dental purchases. Dental credit cards can be a good option if you have good credit and can afford to make the monthly payments.

Flexible spending accounts

Flexible spending accounts (FSAs) are employer-sponsored benefits that allow you to set aside pre-tax money to pay for eligible medical and dental expenses. FSAs typically have an annual limit on how much you can contribute, but unused funds roll over into the next year in some cases. With an FSA, you can use your account to pay for dental care now and save on taxes later.

HSA and HRA accounts

Health savings accounts (HSAs) and health reimbursement arrangements (HRAs) are both tax-advantaged accounts that can be used to pay for dental care (and other medical expenses). HSAs are available if you have a high-deductible health plan (HDHP), while HRAs are offered by some employers as part of their benefits package. Both HSAs and HRAs have annual contribution limits, but funds in an HSA roll over from year to year while funds in an HRA generally do not.*

HSAs and HRAs can be a good way to pay for dental care if you have an HDHP and/or access to an HRA. However, it’s important to note that you’ll only be able to use these accounts to pay for dental care if your plan qualifies as an HDHP (for HSAs) or includes dental coverage (for HRAs).

Saving for dental costs

One of the best ways to save money for dental costs is to create a budget and stick to it. When creating a budget, be sure to factor in the cost of routine dental care, as well as the cost of any unforeseen dental problems that may arise. Additionally, consider setting aside money each month to build up a savings fund for future dental needs.

There are a number of ways to cut costs on dental care. One way is to take advantage of preventative care measures, such as brushing and flossing regularly, and visiting the dentist for regular checkups. Another way to cut costs is to comparison shop for dental services, andto choose lower-cost options when possible. Finally, many employers offer dental insurance plans that can help offset the cost of dental care.

For those who are unable to afford private dental insurance, there are a number of government-sponsored programs that offer assistance with paying for dental care. These programs include Medicaid and the Children’s Health Insurance Program (CHIP).


If you’re facing high dental costs, you’re not alone. Dental care is expensive, but there are ways to finance your care. Dental insurance can help cover some of the cost, and there are also several financing options available, including dental loans, credit cards, and flexible spending accounts. You can also save up for dental costs by creating a budget and looking for dental assistance programs. Whatever route you choose, be sure to do your research to find the best option for you.