Health care is a huge expense for many American families, and health insurance can be a wonderful way to ease that burden. However, insurance has complications of its own—losing your job can cost you your insurance, as can a change in marital status or income. So how can you afford dental care without dental insurance? It’s a serious question, but the good news is, you do have options that can help you afford the dental care you need even if you don’t have insurance.
Finding Dental Care Without Insurance
For many Americans, the Affordable Care Act may offer a solution. A government program that provides health insurance at supplemented cost, the ACA offers both plans that include dental coverage and stand-alone dental plans that can be added on to other insurance policies. It’s easy to access, quite often affordable, and can provide peace of mind for those who need some help with insurance costs. The caveat is, there are some tax implications to an ACA policy, and open enrollment is only open for a short period of time. It’s worth a look, however, if you can’t afford insurance or don’t get it via your employer.
There are options for free or low-cost care without insurance. Many communities have public clinics that provide medical care on a sliding scale to those who need some help. These clinics range in size from small offices providing basic care up to larger clinics that may even offer surgical procedures. You’ll have to do some research as the situation varies from place to place, but it may be an option for you.
If you live near a dental school, you may be in luck. Many dental schools offer low cost or even free dental care so that dental students or new dentists can practice their craft. The range of services may vary as may times of availability, but it’s an option worth exploring if you do have a dental school near you. The information will likely be available on their website, so that’s the first place to look.
Hampstead Dental’s Solution: Kleer
For Hampstead Dental’s patients, there’s another solution that makes the dental care you need affordable and accessible, quickly and easily. Our Kleer program allows you to pay a monthly fee which gets you access to basic preventative dental care. Rather than being insurance, this is a membership plan you pay for directly in exchange for the care provided.
We offer several different plans for both adults and children so you can pick the right one, tailored to your needs and your budget. Our plans vary in services offered, but most include the following basic components of dental care:
- 2 Professional cleanings
- 2 Regular exams & Screenings
- 1 Fluoride treatment
- 1 Yearly Bitewing X Rays
- 1 Emergency exam
- 10-15% off other procedures completed at our practice
- 3% subscription discount for family members
Prices vary depending on the age of the patient and the services requested, so please check out our website for more details. And regardless of your insurance status, get in touch with us today. We’re always welcoming new patients and we’ll work with you as best we can to help you reach your oral health goals.