Question: Living on a fixed income and can not afford to pay $40+ a month for dental insurance, which is the going rate I’ve come across. I am looking for an Alternative. 

Reply: Here are a few options you can consider: 

• Dental HMO Insurance: Based on your question, it seems you were reviewing dental PPO options that tend to be more costly depending on the plan benefits. Based on budget, consider looking for dental HMO insurance plans for an individual, which runs around $10 – $20 monthly. HMO dental insurance plan provides good benefits at a low cost and is the more budget-friendly option for insurance.
• Dental School: A dental school is a higher education institution that offers programs in dentistry. These schools provide students with the necessary training and education to become licensed dentists, dental hygienists, and dental assistants. Dental schools also offer dental services to the public at a reduced cost, as the services are provided by students whom licensed professionals supervise. Dental schools can be an excellent alternative for those who are looking for affordable dental care.
• Dental Clinic: A dental clinic is a medical facility that specializes in the diagnosis, treatment, and prevention of conditions and diseases that affect the teeth, gums, and mouth. Dental clinics typically offer a wide range of services, including routine cleanings, fillings, extractions, root canals, and other dental procedures. The cost of dental care can vary widely depending on several factors, such as the location of the dental clinic, the type of services offered, and the individual dental insurance coverage. That being said, dental clinics can often be more affordable than private dental practices due to their ability to provide services to more patients and utilize economies of scale to keep costs down. Additionally, many dental clinics offer payment plans, financing options, or other programs to help patients manage the cost of their care. If you are concerned about the cost of dental care, it may be worth exploring your options and researching to find a dental clinic that meets your needs and budget.
• Credit Card: A dental credit card is a type of credit card that is designed specifically for dental expenses. Financial institutions issue these cards, which can be used to pay for dental procedures and services, such as cleanings, fillings, braces, and other dental treatments. Dental credit cards may offer unique financing options, such as interest-free periods or low-interest rates, to help patients manage the cost of their dental care. However, it’s important to note that these cards typically come with high-interest rates if the balance is not paid off within the promotional period. So, reading the terms and conditions carefully before applying is essential. Additionally, there may be better options than dental credit cards for everyone, and it’s necessary to consider all available options and choose the one that best fits your financial situation and needs.