Dental health has a tremendous impact on overall health. Untreated dental problems can lead to systemic infections, and even increase your risk for a heart attack or stroke, as well as creating the risk of dental pain and tooth loss. Yet dental work is often expensive, and most dental insurance policies are sorely lacking in coverage. Here are some ideas for financing dental work, thereby breaking payments down into manageable pieces.

Photograph of a large white tooth on a desk while a person is writing on a notepad and using a calculator.

Treatment Plan

Knowledge is power, and we work hard to ensure that you have all needed information before we begin work. Your dentist will create a detailed treatment plan, and we will develop a full cost breakdown of all the different procedures. We can also contact your insurance company to determine your out of pocket costs.

Timing Considerations

Ideally, everyone would be able to fix all of their dental issues as soon as they arise. Realistically, though, some problems are of higher priority than others. For example, an abscessed tooth generally causes severe pain, and could worsen quickly. A tooth that has been missing for awhile may be annoying, but will not cause further damage if you wait. Ask your dentist to prioritize the treatments you need, allowing you to spread the costs over time.

We can also time treatments to maximize the amount paid by your insurance company. For example, if you need dental implants, we can extract failing teeth at the end of your insurance year, and then place the implants at the beginning of your next insurance year.

Credit Cards

If you have good credit and discretionary income, taking advantage of a zero-interest or low-interest introductory credit card offer can be an excellent way to finance your dental work. Be sure to pay off the balance before the offer expires (often, but not always, one year). Then leave the card open to improve your credit score over time. Note that this is not recommended for those who struggle with managing credit.

Choose a Financing Plan

Care Credit and similar companies provide medical and dental financing. Their credit requirements are typically lower than those needed to qualify for a traditional credit card, and credit limits are often higher (depending on your household income). Although they typically carry a high interest rate, zero-interest or low-interest deals are often available for those who can pay off the balance in 6 or 12 months.

Communication Is Key

We are committed to helping all of our patients receive the dental care that they need. Don’t hesitate to talk to us if you have concerns about your ability to pay for necessary treatments. We will work hard to help you find a solution that fits your budget.


At Family Dental Care of Bellevue, we are committed to providing quality dental care to our patients and their families. We are proud to have been voted one of the best dental offices in Washington State. If you are ready to take the first steps toward improving your dental health, we invite you to call 425-643-5778 today to make an appointment for your initial consultation.

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