Post # 1
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….
Post # 3
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.
Post # 4
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!
Post # 5
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.
Post # 6
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.
Post # 7
also typo in my last post: NYU has a dental school…not had
Post # 8
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!
Post # 9
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.
Post # 10
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%.
Post # 11
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.
Post # 12
yes, try dental students the have cheaper rates, they are still under the guidance of a licensed dentist, check your local university
Post # 13
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.
Post # 14
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%).
Post # 15
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.
Post # 16
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.