You visit the dentist to get a better look at the tooth that’s been bothering you and you end up leaving the office needing a procedure that you weren’t expecting. You don’t need us to tell you that dental care can sometimes be costly, but it doesn’t have to be a stress point. Here are some ways to help start saving for dental work.
KNOW YOUR COVERAGE
Ask your dentist to itemize each treatment so you know the cost ( we typically advise our members to get a pre-treatment estimate…just so language is consistent). Then, contact us—we can tell you what your benefits cover and what you might owe out-of-pocket.
USE A SAVINGS ACCOUNT
Consider a Medical Savings Account, Health Savings Account, or Flexible Spending Account to help set aside money for future unexpected care. You can also set up a savings account of your own and make periodic contributions (of an amount you’re comfortable with) for unexpected dental expenses.
IT’S OK TO GET A SECOND OPINION
It’s absolutely fine, and sometimes encouraged, to get a second opinion for a costly dental procedure. Don’t look for ways to get out of the procedure, but rather make sure you fully understand what it means for you. This is a good time to ask questions about other treatment options as well.