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Not to add to your worries, but are you also factoring in the cost of a crown? Most teeth that get root canals need crowns, too, which cost another $1k or so. I'm sorry you're having to deal with this -- I had this happen to me a couple of months ago, and it's not a pleasant surprise.
Have you talked to your dentist to ask about some kind of payment plan? Mine was really sympathetic to my lack of insurance and my upcoming wedding, and agreed to let me pay the totals in pieces.
OMG! That sucks!
I have an idea... I'm not sure about NY, but I know in Dallas (where I am) there is a Dental college where you can get everything done cheaper because they're being done by students. These students are just about to graduate so it's not like they don't know what they're doing, and they're also being overseen by experienced dentists.
There has to be a dental college in NY.
Plus, there are lots of things you can do to save money on your wedding so I'm sure you'll be fine!
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do you live near a Dental school at all? NYU had a dental school where the students perform dental work for less than what a private practice charges.
Or is your dentist willing to set up a payment plan for you? That way you aren't out the full sum at once.
One thing to consider too, is that most places have payment plans for these things. Call their office and talk to them about what payment plans they offer.
I know you might not want to think about putting anything on a credit card right now, but I had to have some dental work done last year, and I found a card that offered 0% interest for a year. It is called Care Credit, and was a life saver. The payments were about $30 a month, which is much more manageable than $1000 all at once.
Hope that helps!
I second Care Credit. They have 1 year interest free so it's something to check out. I actually am in the same boat. I signed up for Care Credit for the crown b/c even though I do have insurance it's not cheap.
Thanks for all the ideas. I talked to my dentist and they'd only set up a payment of half at the first appointment and half at the 2nd appointment.
I'm looking into the care credit thing. That may be the best way to go, especially with 0%.
You MUST get it done! Needing a root canal can really hurt. You don't want to put it off only to be in extreme pain for your wedding -- how awful. My fiance just needed a root canal and had to wait almost a week for his appoitment with the endodontist. The poor guy was really miserable.
Try and work out a payment plan with the dentist. I'm sure they'll be understanding.
yes, try dental students the have cheaper rates, they are still under the guidance of a licensed dentist, check your local university
I bought dental insurance through my dentist - it was like $75 for the year and made all services half off. They didn't care that my cavity was "pre-existing."
The insurance was called American Healthguard - I think it's a SoCal only thing but maybe they have something like that where you are.
HTH!
Definetly get it done ASAP! You don't want to lose a tooth! When I got my wisdom teeth pulled, I used Capital One's dental plan to pay the $1500. It was 0% interest for 6 months, so I just broke up the payments for the 6 months. I would look up all of your payment options, as most credit card companies also offer heath and dental loans for really cheap (aka 0%-3%).
Does your FI have dental insurance? I know this sounds very unromantic, but you can get married early (as far as the state is concerned) so he can add you to the insurance. I feel your tooth pain, as I also do not have dental & my teeth are so brittle they're like potato chips.
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Ugh I feel your pain! I have had three root canals in the last 2 years. Painful and expensive! Yuck! I'm sorry.
My kitty had to have surgery in February and that was a 1500 expense I couldn't afford, so i know how you are feeling. Keep your head up. It will all work out, even if you have to do the credit thing.
I don't know how long you have to wait, but I used to have Aflac dental as I didn't have dental with my regular medical coverage. There was this wait period, maybe 30 days before a cleaning and 3 months before fillings or other things.
I am sorry to hear this.
Does your FH have insurance, perhaps you could join it now as a domestic partner?
That is tough. Does your employer not offer dental insurance? Do they offer a flexible spending program? I use that for all my extra medical and dental expenses, because my coverage is only $1000 a year for anything and everything and covers no orthodontia.
That stinks. I had two root canals a few years ago and even after my insurance paid 80%, I still had to shell out a nice sum. Now that I don't have insurance, my dentist let me set up a payment plan and it works out great.
My employer doesn't offer dental. I do have Aflac, but not the dental portion. I'd have to wait a year until I could use the benefits and then they'd only pay $275 of the bill, after it was over $350 for the year of insurance.
I think we're going to have to do the credit thing. We have had some major issues come up in the past few weeks and we're actually going to end up having a way smaller budget than originally thought.
Check out www.dentalplans.com and see if they have dentists in your area. I've purchased plans from them for the last three years and it's saved me a ton of money (I had a lot of cavities). It's not dental insurance but I think dentists pay to be registered on the plans and in turn, they offer significant discounts to members. But before you buy a plan, make sure to call the dentist you want to go to and verify that they honor the discount.
Hi! To repeat others, try for the credit card. I just had to get a dental implant ($4000!, not including the cost of the crown). My oral surgeon's office gave me the credit advice. I used Capital One, Health Loan. To keep the loan at 0% interest, I have to pay the total off in 1 year, or else they tack on the total interest for the entire amount.
Also, I would like to say that IMO you should NOT go to a dental school for a root canal. That was what I did and they messed me up really badly, and that is why I am now in the middle of getting a dental implant. Granted, it may have been a 1 time mistake (or 4, since I had 4 appointments at the dental school, dying in pain!), but I think they're prbly fine for a cleaning, but I would not trust the students with the more serious stuff.
Good luck!
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You HAVE to get it done, or it will hang over your head. This from a girl ordering her invites late b/c I need a crown Tuesday....
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Ok bees,
So I just went to the dentist because I thought I just had a filling fall out. It turns out that now I need a root canal which would cost about $1000. That's more than I really want to take out of my wedding budget, but I also don't want to go that long without getting it done. I don't have any dental insurance which means it's going to be even more difficult. Any suggestions....