A chipped tooth might seem like a small problem, but it can lead to bigger issues if you don’t fix it.
A chipped tooth occurs when the hard outer layer, called enamel, that protects the sensitive tissue inside your tooth breaks off.
Even if it doesn’t hurt immediately, a chipped tooth can cause infection if left untreated. If you don’t have adequate insurance coverage and you’re worried about how to pay for the treatment, there are dental financing options to help.
Why you shouldn’t ignore a chipped tooth
You might think a chipped tooth isn’t that serious, especially if it doesn’t hurt or look bad. However, ignoring it can lead to bigger problems.
When a tooth chips –– even if it’s a small one –– bacteria can get inside, increasing the risk of an infection. If the tooth gets infected, it can cause a lot of pain and might lead to even more damage which could require expensive treatments like a root canal. If left untreated, the tooth can weaken further and even break completely, leading to the need for a crown or even a tooth extraction.
Addressing a chipped tooth as soon as possible is often easier and less expensive than waiting for it to worsen. Seeing your dentist early can help prevent more serious –– and costly –– dental problems down the line.
Personal loans
A personal loan is a lump sum of money you borrow from a bank, credit union or other lender that you pay back in fixed monthly payments.
One important factor to consider is the interest rate — the cost the lender charges you for borrowing the money. A lower rate means you’ll pay less overall when compared to a loan with a higher rate, which can make a significant difference in the overall cost.
Because interest rates and repayment terms can vary between lenders, it’s a good idea to compare offers before deciding. Be sure to also review each lender’s borrower eligibility requirements to ensure you qualify.
Dental payment plans
Some dentists offer payment plans, which means instead of paying for the treatment all up front, you can pay in smaller amounts every month until the balance is paid off. Some dental offices may even offer no-interest or low-interest payment plans. Ask your dentist if they offer a payment plan and how it works.
Medical credit cards
Medical credit cards are designed specifically to help cover healthcare expenses, including dental bills.
Many offer promotional interest-free periods, giving you time to pay off your balance without added costs. If you’re able to repay the full amount before the promotional period ends, you can avoid paying any interest.
However, it’s important to read the fine print — if the balance isn’t paid in full by the promotion end date, a higher interest rate may apply to the remaining balance.
Dental schools
If your neighborhood dentist is too pricey, consider going to a dental school for treatment. Dental schools provide quality dental care at reduced costs as dental students perform procedures under the supervision of licensed professionals. While appointments might take a little longer due to the nature of a learning environment, it’s a budget-friendly option to help you get the care you need for less money.
Tips for choosing the best financing option
There are some things you should keep in mind when it comes to choosing a financing option to repair your tooth.
- Know your budget: Figure out how much money you can pay each month without struggling.
- Check interest rates: Try to find the option with the lowest interest rate. This will save you money.
- Look for hidden fees: Some loans or credit cards might have extra fees. Make sure to ask about them.
Don’t delay your dental care
Delaying treatment for a chipped tooth can lead to more serious dental issues, increased discomfort, and higher costs down the line. The good news is that there are several payment options available to help make care more manageable.
Find the option that works best for you and get your smile fixed. Your teeth will thank you!
Notice: Information provided in this article is for information purposes only and does not necessarily reflect the views of [livesoundblog.com] or its employees. Please be sure to consult your financial advisor about your financial circumstances and options. This site may receive compensation from advertisers for links to third-party websites.
