Saturday, February 14, 2015, AM | Leave Comment
Children can be expensive, especially as they grow. Something that can cause financial problems for parents is dental care. Your kids might need extensive dental work or braces. This can come as a financial shock to the household.
A few tips will help you to afford all your children’s procedures, and get everything squared away in a few years.
Get the Right Insurance
The right insurance can make dental procedures for your children very affordable.
If you have a high deductible or no dental coverage, then you should switch to another insurance plan as soon as you can.
A dentist in Utah says to look for a plan with a low deductible and expansive dental coverage.
If you cannot change, then it might be much more affordable to purchase a standalone policy just for your child’s dental care.
Seek Out Assistance Programs
Fortunately, there are many different assistance programs available to help children get certain types of dental care.
These assistance programs can pay for individual procedures, or could provide some type of minimal coverage to help reduce your out-of-pocket costs.
These programs might be available through organizations in your community, your local government, or the federal government if you qualify.
Find a Dentist Offering Financing Plans
Another option is to find a dentist offering financing plans for patients.
Some dental practices will set up an affordable repayment plan with low monthly installments so you don’t need all the money upfront.
Other dentists have partnered with larger financing companies to provide quick and low-interest loans to families with children who need dental care.
Maintain an Emergency Fund
Something you should always do is to maintain an emergency fund.
This is a separate savings account you put money into every pay period.
The money will grow over time until you have a financial cushion you can use to pay for your kid’s dental procedures.
An emergency fund can be invaluable when unexpected health problems arise.
Take Advantage of Charitable Heath Events
A final option is to take advantage of charitable health events in your area.
According to a Utah Family dentist, some organizations occasionally hold free dental clinics or low-cost dental clinics.
You might be able to have basic procedures done during one of these events without spending a large amount.
This can reduce the annual dental bills for your kids.
Your children’s dental bills can be more than what you expect. Good dental care is necessary because tooth problems can limit what your kids eat, and how they speak while growing up. You should look everywhere for as much help as possible when your kids need critical dental care.
“Brooke Chaplan is a freelance writer and blogger. She lives and works out of her home in Los Lunas, New Mexico. She loves the outdoors and spends most her time hiking, biking and gardening. For more information contact Brooke via Twitter @BrookeChaplan.”