No one should have to hide their smile. However, this is a painful reality for millions who need expensive or unexpected dental care. 13% of working-age adults avoid visiting the dentist because of the cost. Dental insurance is essential for accessing necessary dental care and provides financial protection.
While it doesn’t cover all conditions, it generally covers preventative care, such as cleanings, exams, and X-rays. Basic treatments are partially covered, while more comprehensive treatments may cost less.
If you don’t know how to apply for dental assistance, don’t despair. Here are three unexpected resources to help you regain your confident smile without the financial burden.
Who Can Offer You Free Financial Help for Dental Work?
Dental grants can fund all or part of expensive dental procedures. However, they often have strict rules and limitations. Always read the application instructions carefully to ensure your eligibility.
1. Dental Discount Plans
Dental discount plans are an alternative to traditional dental insurance. You can save money on dental care with a single monthly savings plan and save money on your procedures.
After enrolling, you can visit participating dental providers nationwide and receive discounts on dental care ranging from 15% to 50%* per visit in most cases.
2. Dental Health Foundation’s Cosmetic Dentistry Grant Project
The Dental Health Foundation’s Cosmetic Dentistry Advocacy Group (OAAG) has a Cosmetic Dentistry Grant Project (CDG). Founded in 2010, this nonprofit organization includes dentists who conduct research, share information, and help people finance their dental care.
CDG provides financial assistance for cosmetic dental care to those who qualify.
3. Dental Schools
Dental schools and public health clinics offer government assistance options for dental care, allowing them to provide services at reduced rates to those in need, making dental care more accessible. Check the list of dental schools accredited by the American Dental Education Association to find a school in your area.
Dental students receive dental care under the supervision of a licensed dentist at a low cost. Services include cleanings, polishings, routine checkups, and more. To schedule an appointment, please check availability and the services you require. Please note that appointments may take longer as students work under supervision and undergo a comprehensive evaluation.
4. Dental Life Network
Dental Life Network is a national nonprofit organization that provides financial support for dental services. The network is made up of volunteer dentists and medical laboratories that serve adults who cannot afford dental care.
To qualify, you must be over 65, have a permanent disability, or need medically necessary dental care but cannot afford it.
The network also collaborates with other organizations in several states. For example, it sponsors the Donated Dental Services (DDS) initiative.
5. United Way
The United Way has numerous dental clinics across the United States. You can receive free or reduced-price dental care. Simply visit their website and search for a participating dental clinic in your area.
6. Public Dental Clinics
The Health Resources and Services Administration (RHSA) provides access to a network of dental clinics directly to eligible individuals through its website. Income restrictions apply, and not all dental services may be offered in your area.
Contact the clinic for more eligibility information. Another resource for finding a low-cost clinic near you is the NeedyMeds dental clinic database, which contains information on more than 4,000 clinics, some of which are funded through state or federal grants.
7. Donated Dental Services (DDS)
The Donated Dental Services (DDS) program offers free dental care to vulnerable individuals who cannot afford necessary treatment or do not receive government assistance. If you qualify for the program, you may not have to pay any dental costs.
To qualify for donated dental services, you must meet one of the following criteria: be 65 years of age or older, have a permanent disability, or require medically necessary dental care. In some cases, donated dental services are also available to veterans.
8. Free Dental Care (DDS)
Through the Donated Dental Services (DDS) initiative, dentists can help low-income individuals who cannot afford dental care or who do not qualify for government assistance but still need it.
The Foundation and the Florida Dental Lifeline Network collaborate to sponsor the Donated Dental Services (DDS) program.
If you have a disability, are elderly, or have a clinically fragile condition and cannot afford dental care or receive government assistance, you may be able to receive free dental services from a DDS.
9. American Dental Care Foundation, Missions of Mercy (ADCFMOM)
The American Dental Care Foundation provides financial support for dental care by establishing dental clinics across the country. These clinics offer free or low-cost dental care.
The foundation collaborates with other nonprofit organizations, as well as state and local organizations, to provide oral and dental care to individuals and families who cannot afford it.
10. 0% APR Credit Card
No interest is charged on new purchases, balance transfers, or any of the above. The “interest-free” option is typically valid for 6 to 20 months, depending on the company.
With this type of credit card, you can pay for dental care during the introductory period without any interest.
After the introductory period, the interest rate returns to its normal rate, so it’s advisable to ensure you don’t have any outstanding balance.
11. CareCredit Card
The CareCredit Card is a healthcare credit card that you can use to pay for dental care not covered by your insurance. You can take advantage of the “interest-free” option, which allows you to avoid interest if you pay within a specified period.
Many dental offices accept CareCredit; simply ask your dentist if they accept it. You must be 18 years of age or older to be eligible for a CareCredit Card.
12. Community Dental Care Centers
If you qualify, you can visit one of the many dental clinics established by the Health Resources and Services Administration (HRSA) across the country.
Depending on your income and available services, you may be able to receive assistance with some dental care services.
13. Dental Schools
Dental schools and community medical centers have access to national dental assistance programs. This allows them to provide dental care at reduced rates.
Check the American Dental Education Association’s database of accredited programs to find a dental school near you.
- Also read: FREE Dental Grants For Low-Income Adults
Government Assistance for Dental Expenses
- Medicare is a health insurance program that covers people age 65 and older or people with disabilities. However, Medicare’s dental coverage is limited and does not cover most standard dental care or dentures. Some Medicare Advantage plans offer additional benefits not covered by Medicare, such as vision, hearing, and dental services.
- Medicaid is a joint federal-state health program that provides dental benefits to eligible low-income individuals, including adults, children, pregnant women, older adults, and people with disabilities. While eligibility criteria vary by state, most states offer limited emergency dental services to people age 21 and older.
- The Children’s Health Insurance Program (CHIP) provides medical and dental coverage to eligible children up to age 19. Dental services covered by CHIP vary by state.
- InsureKidsNow.gov helps families find affordable health insurance for children and teens. Our Medicaid/CHIP Dentist Locator allows you to quickly find a dentist who accepts Medicaid and CHIP.
Also read: Charities That Help With Dental Implants
Fundraising can help with dental costs
Many have turned to fundraising to cover their dental expenses, as there are no application deadlines, specific requirements, or waiting periods for assistance. Taking care of your health is crucial, but it can be difficult if you’re facing financial hardship. By sharing your story honestly, you can raise awareness and encourage people to donate to your fundraising campaign. This way, you can get the support you need to manage your medical expenses and focus on your recovery with peace of mind.
Conclusion
Finally, there are several options available for financial assistance with dental work including government programs, charitable organizations, dental schools, and financing schemes. Low-income people can get Medicare, local clinics, or non-profit grants, while other payment schemes or dental discount programs may benefit. Research on available resources and access to local dental assistance programs can make the necessary dental care cheaper.
