One way to find dentists who offer payment plans is to visit the websites of local dentists, as many practices, such as Lovett Dental and Aspen Dental, list information about their payment options online. Another option is to call and ask the dentist's staff directly.
Many dental practices offer financing plans through third-party companies to make it easier for patients to afford services for which they have no or inadequate insurance coverage, explains 1-800-DENTIST. The patient typically needs to fill out an application to qualify for a plan, and she may have to find a cosigner if she has a poor credit score.
There are several other options dental patients may consider if they are unable to qualify for a payment plan, notes 1-800-DENTIST. If there is a dental school in the area, it likely affiliates with nearby clinics where patients can obtain reduced-cost services from dental students. The students must practice under the supervision a fully trained, licensed dentist to ensure the quality of the services they provide. Another option is to check for eligibility to receive government assistance through programs such as Medicaid and Denti-Cal. There are also some organizations, such as Give Back a Smile, through which dental professionals volunteer their services free of charge to economically disadvantaged individuals.