Patients without dental insurance do not have to self-pay for every treatment for their mouth, teeth, and gums.

Sometimes, your healthcare plan can step in and save the day. Medically necessary procedures fall under the medical umbrella and qualify for coverage – with no annual benefit maximums.


Sometimes, low-income families do not have to worry about paying for dental care without insurance because Medicaid might pick up part of the tab.

However, finding a dentist that accepts patients with this government-funded entitlement is often very tricky. Follow a roadmap to your possible destination.


Finding out that Medicaid may cover specific dental procedures is like winning the lottery! There are a few winners, with many walking away empty-handed. It takes detective work to figure out which group describes you.

Every state issues different rules. Certain principles apply across the country. Pregnant women, disabled adults, and low-income seniors enjoy expanded access.


People with and without insurance often have to turn to finance to pay for routine and one-time dental procedures. Borrowing money from your dentist is not always the ideal alternative.

Besides, your local practice will probably refer your file to a third-party company anyway, which means choosing between a loan with fixed installments or a credit card with flexible payments.


People without insurance will often look for local dentists that accepts payment plans thinking that an office with in-house financing gives them an edge.

This approach rarely works.

Most dental practices partner with patient finance companies so they can focus on oral care, and leave the underwriting and collections activities to a third-party company.


Paying for dental work with bad credit becomes extra expensive, particularly when uninsured. Not only is it hard to get approved by lenders, but they might also charge excessive interest and enormous origination fees.

Finding alternatives is the best way to go. A popular employee benefits program offers significant savings without a credit check.


Patients can utilize supplemental dental insurance as a hidden form of financial assistance to help cover treatment expenses. The programs work well for those able to wait.

Tap into government grants that hide themselves in the form of tax-deductible expenses. Sometimes creativity counts.