Happy Mouth, Happy Wallet
If you have ever been to the dentist, and I'm sure you have, you know that it can sometimes be quite expensive. Dental insurance pays great for preventive care (dental cleanings), but dental work can still get pricey with more serious procedures.
There are several different things you can do to avoid a big dental bill and no, skipping out on visits is not one of them. In fact, skipping out on routine visits to the dentist can lead to more expensive visits down the line. In fact, this is one of the most common problems in children under age 5. Many parents do not take their children to the dentist regularly and this can cause extensive work needed at a young age.
While dental insurance varies on the amount it will pay for serious oral procedures, there can be a balance that you will need to pay out of pocket. If you are on a budget, these expenses could be scary for you to encounter. Just like with medical coverage, there are other ways that can help you save money on your child's dental expenses. Below are 4 four examples of how you can keep your children's teeth and your wallet happy:
- Regular Dental Visits – Visiting the dentist twice a year for a cleaning and an exam can help reduce costs greatly. Preventative care is the most successful way of ensuring your child's oral health at a low cost.
- Health Savings Accounts (HSA) – These accounts are similar to a savings account but the money you deposit into them can only be used for health care expenses. The money in these accounts cannot be taxed. To be eligible to have a HSA account you must have a high-deductible insurance plan. HSA's are good to have if you anticipate needing expensive dental care and would find it difficult to pay a high deductible.
- Payment Plans – Many dentists' offices are willing to work out a payment plan with you for expensive procedures. Call your dentist and find out if this is an option they offer prior to scheduling any procedures.
- CareCredit – This is a credit card that is used specifically for healthcare procedures.
Take the time to get your children's teeth checked and cleaned two times twice a year. If your child is experiencing problems, the earlier you catch it, the better it will be for both your child and your wallet.
Don't get discouraged if you are having trouble finding a budget friendly way to keep your child's oral heath up to par. Like many of the other obstacles we meet as parents, there is a way to handle it: take a breath, do some research and if you cannot find the solution on your own don't be afraid to ask.
Parents would do anything to make their children smile and with so many options you can keep your child's mouth healthy and happy!