Smart Reasons to Pay For Dental Work with Cash
The average cost for a standard, amalgam filling is $132.00. For a resin composite (white) filling, you’re looking at between $155.00 – $170.00.
Fillings are among the most common dental procedures people will ring up their insurance providers to cover. For many, fillings and the occasional cleaning is the only dental work they have done during a year.
Those kinds of people commonly ask themselves, “Should I be using insurance to pay for dental work or should I be using cash?”
Using cash to pay for dental work is often advised against by insurance providers. Insurance does have its benefits, but insurance companies also have a vested interest in keeping you as a customer.
To give you more information on the benefits of paying cash for dentistry, our team has listed some of the key advantages and cautions below.
Cash Is Simple
There’s nothing easier than paying with cash. That’s true for you and your dentist.
When you pay cash, you don’t need to keep up with your insurance provider’s changing policies, disputes with claims, long waits while trying to talk to customer service, and more.
Your dentist also doesn’t need to go through the lengthy process of submitting receipts and waiting to get paid.
Given the ease of cash, some dentists may even be willing to offer you special terms around the services they provide. Drew Family Dentistry falls into that category – contact us for specific details!
Cash Covers Everything
Insurance providers have strict terms around what they’ll cover and what they won’t. That means you may end up paying a lot for a policy that won’t even pay for dental work you need when it comes to certain procedures.
In those cases, it would make more sense it for somebody to put money into a savings account each month rather than paying into an insurance policy. Those people would then just pay cash for their unique, non-covered dental work directly from their savings.
Cash May Be Less Costly
The chief reason many people think to use cash for dental work is to save money. Not paying high insurance premiums can certainly save the occasional dentist visitor some money. After all, if you’re just coming in for a regular checkup and cleaning, you’ll almost certainly pay more for insurance premiums per year than you would with paying cash.
Still, insurance is about peace of mind. Most users of insurance will pay more into their policy then they’ll ever get out of it. That’s why insurance is able to exist.
The purpose of insurance is to offer a financial shield when an unexpected, costly accident occurs. This can protect you from bills that could total tens of thousands of dollars.
Wrapping Up: Using Cash to Pay for Dental Work
Using cash to pay for dental work can be beneficial for people who only get basic work done. It can also make matters easier for both you and your dentist.
Using cash is not without risk, however. If you are involved in a costly accident, you may be left with no funds to cover necessary dental expenses.
This may mean needing to take out a high-interest loan, or worse: you’ll be without the dental care you need.
At the end of the day, using cash to pay for dental care is up to you. Just be sure to consider all possibilities prior to making the decision.
At Drew Family Dentistry, we offer discounts for cash payments but are also happy to welcome insured patients. We have a brand new office in Bend, Oregon that enables us to provide state-of-the-art, affordable care to you and your loved ones.
Contact us today to book your first appointment and get your dental health on track!