need dental work: cannot get financing Posted: 05-03-08 14:37pm
I am a single mother. for years i have had
a large gap between my teeth and have
longed to have it closed. needless to say
i simply cannot afford all of the work
that needs to be done in my mouth i have
recently visited the dentist only to find
that i need my wisdom teet extracted, one
tooth extraction, deep cleaning,and
frenectomy. this is a lot of money but i
am despereratly lookin, searching, and
constantly hunting for options to fix my
mouth. i have bad credit and have tried
and exhausted all finance options.
everyone says no, if only they knew why my
credit was bad i am not looking for
someone to do this work for free i am
willing to make reasonable monthly
payments i am just praying to the heavens
that there is some option out there for
someone like me.i have insurance but even
after that the out of pocket expense is
just too much for me. please if anyone
can share anything with me i am in tears
about this i really would love the chance
at a beautiful smile.
|
Duchessljb
Experienced User , Rather EHEALTHy
Joined: 22 Jul 2007 Posts: 82 Location: USA, Earth
Thanks: 0
Thanked:3
Posted: 06-03-08 08:05am
Hey INDIA LOOKS,
The best thing I can suggest is for you to
check the yellow pages for dentists and
start calling as many of them as you can,
asking if they will work with you on a
payment plan. I'm sure that there is
likely at least a couple of dentists out
there that will work with you.
If you aren't able to find one in the
general practice pages, try and see if
there are colleges nearby that have dental
schools. They very often offer the same
care for much lower cost because they are
a teaching facility and any work you have
done is either done by someone who is
graduating that year or done by a
professional with students looking on.
Being a college, they may also be willing
to work with you, payment wise.
If not, you might consider getting an
estimate from a dentist for about what
they think it will cost you, out of
pocket, and that you start paying them
ahead of time for the estimated cost (for
example, you schedule the work to be done
in October, but you start paying for the
work NOW so that the office is never out
the money you are owed; they will simply
be paid early for work not yet
completed).
If you can't find a dentist that will do
this for you, then the only other thing I
can suggest is that you start putting a
little money aside each paycheck (savings
account, cookie jar, whatever) until you
have what you believe you will need for
the out-of-pocket expenses and THEN
schedule the work.
I understand that the last two options may
not be what you want (since you'll have to
wait to have the work done) but if you
really want a beautiful smile that badly,
sometimes you have to plan ahead for it.
You said you were willing to make monthly
payments, so rather than doing that, take
the money you would normally have made a
payment with and set it aside towards the
work until you have what you need.
