If you are like many Americans, you rely on dental insurance to help cover the cost of necessary care. Unfortunately, sometimes dental insurance coverage may not be enough, leaving you with an unexpected bill. Here are some things you can do if your dental insurance coverage is insufficient.


First, it’s important to understand why your coverage is insufficient. Check to see if there are any limitations on the type of care or the amount of coverage for specific procedures. If you’re aware of any limits, it will help you plan for the additional costs.

Next, inquire with your dental provider about payment options. Many dentists offer payment plans or discounts for cash payments. If you’re unable to pay in full, ask about a payment plan or if there is a financing option available.

 If you need to spread the cost of care over a longer period, you may want to look into a dental credit card. This type of card allows you to make payments over time, often with an interest-free period of several months.

 You may also be able to get help from a charitable organization or community health center. These organizations often provide free or reduced-cost care for those who can’t afford it.

Finally, if you’re still facing a financial burden, you may want to consider a health savings account. This type of account allows you to set aside money to pay for medical or dental expenses on a pre-tax basis.


No one should have to go without the dental care they need due to financial constraints. If your dental insurance coverage is insufficient, the above tips can help you get the care you need without breaking the bank.