Is there a way to get dental insurance without a job?

Asked by: Odie VonRueden  |  Last update: May 17, 2025
Score: 4.5/5 (19 votes)

Get dental insurance through an individual or family plan. If you're self-employed, don't get benefits through work, or are looking to get dental insurance without a job, you can opt for a standalone individual or family plan.

Can you purchase dental insurance without a job?

If so, you can apply for that during annual open enrollment. There may be different types of dental plans you can choose from that can help cover the type of dental care you expect to need. If your employer doesn't offer dental insurance, or if you lose a job or work for yourself, you can buy a dental plan on your own.

How do you get dental work if you can't afford it?

Federally Qualified Health Centers

A Federally Qualified Health Center (FQHC) can provide dental services for you or your family, regardless of your ability to pay. Services are offered on a sliding scale based on your income.

Can you get dental insurance and use it right away?

Yes, depending on the dental insurance carrier and the plan. Employer-based group dental benefits plans are more likely to offer options without waiting periods. Also, if you've had coverage with another company for the past 12 consecutive months, you may be able to have the dental insurance waiting period waived.

What do you do if your tooth hurts but you have no insurance?

people can get emergency dental care at a hospital emergency room. They have to take you even if you don't have insurance. An infection in a tooth can kill you really fast so don't delay. Go to the hospital and find out if they will see you.

How to get affordable dental care without insurance | ABC7

16 related questions found

How do poor people get their teeth fixed?

Public Dental Clinics

Many charge low, fixed prices or sliding fees based on how much you can afford. Most clinics offer exams, cleanings, X-rays, root canals, fillings, crowns, and surgical tooth extractions. Some may have emergency dentists on call. Some clinics charge sliding fees based on how much you can afford.

What can I do if I have a bad tooth with no money?

If you have an infected tooth and no money, a few things you can do include: Contact your local dental society or health department. They may be able to refer you to a dentist who offers free or low-cost dental care.

What is the best insurance to have for dental?

Best Dental Insurance Companies for January 2025
  • Best Overall and Best for Braces, Implants, and Older Adults: Delta Dental.
  • Best Overall Cost-to-Value: Physicians Mutual.
  • Best for No Annual Maximum: MetLife.
  • Best for No Waiting Period: Anthem Blue Cross Blue Shield.
  • Best for Customer Satisfaction: DentaQuest.

Is aflac dental worth it?

Dental insurance is worth it if you are looking for additional support for minor and major dental procedures. With an Aflac dental insurance plan, the costs of cleanings, crowns, bridges, and implants can be significantly minimized. For some of our basic and preventative services, there is little to no waiting period.

Why would a dentist not accept insurance?

Financial Considerations: Dental insurance networks often negotiate discounted fees with dentists. Dentists may find that the fees offered by these networks are too low to cover their costs, provide a reasonable profit margin, and maintain the highest quality of care.

How can I fix my teeth but I don't have money?

Alternatives When You Can't Afford Dental Work
  1. Dental Schools. All those talented dentists need to learn how to do their jobs somewhere, and dental schools are the place. ...
  2. Medicare, Medicaid, and CHIP. ...
  3. Clinical Trials. ...
  4. Community Health Centers. ...
  5. Dental Lifeline Network. ...
  6. Dental Savings Plan.

How to go to the dentist without insurance?

If getting a plan is not an option, there are a few other ways to get dental care without insurance:
  1. Dental Schools. There are schools all around the country looking for hands-on experience. ...
  2. Clinics. ...
  3. Dentists for Uninsured Patients. ...
  4. The Cost of Dental Care with Dental Insurance.

Do dentists do payment plans?

Dentists may have various payment options, including zero-interest plans, extended payment terms, or third-party financing arrangements. Understanding the available options will help you choose the best plan for your needs.

What do people without dental insurance do?

If you need dental treatments but do not have dental insurance, you have a few options for affordable services, including community health centers, dental schools, and clinical trials. Finding affordable dental services may not be as difficult as you think.

What is the waiting period for Aflac dental?

Get A Quote for Aflac Dental Insurance

There are no waiting periods for preventive services and the deductible decreases over time.

What is the downside to Aflac?

Where Aflac falls short. The website lacks details about the policies the company offers to individuals, and you can't get a quote online without speaking to an agent. Also, some plans aren't available in all states.

How to get dental insurance not through work?

You can obtain healthcare and dental insurance through your state's Affordable Care Act (ACA) marketplace, or through the federal marketplace (healthcare.gov). The ACA allows those who have experienced a “Qualifying Life Event” to purchase insurance throughout the year.

Is it cheaper to get dental insurance or pay out of pocket?

If your only expenses each year are for routine six-month checkups, it might be less expensive to skip the insurance and pay out of pocket. However, unexpected dental work—such as fillings, crowns, or root canals—can be expensive, and it is for those situations when dental insurance can be most helpful.

Does Blue Cross have dental insurance?

A healthy smile is an important part of your overall health. That's why BCBS FEP Dental offers the coverage you and your family need to keep your teeth healthy.

What kind of tooth Cannot be saved?

A split tooth cannot be saved intact. The position and extent of the crack, however, will determine whether any portion of the tooth can be saved. In some cases, endodontic treatment may be performed to save a portion of the tooth.

How do you take care of your teeth if you can't afford a dentist?

How to Care for Your Teeth When You Cannot Afford Dental Care
  1. Practice Good Oral Hygiene.
  2. Quit Any Bad Oral Habits.
  3. Look-Out for Community Dental Clinics.
  4. Consider Uninsured Payment Plans.
  5. Make the Most of Offers and Promotions on Dental Services.

How do you get your teeth fixed when you have no money?

If you're in a situation where you need dental care but have limited funds, here are several ways you can get the treatment you need:
  1. Low-cost dentistry. ...
  2. Government assistance programs. ...
  3. Dental schools. ...
  4. Community health centers. ...
  5. Dental Insurance. ...
  6. CareCredit. ...
  7. Health Savings Accounts (HSAs) ...
  8. Payment plans.

Can terrible teeth be saved?

The good news is that in many cases, a badly decayed tooth can be saved through various dental procedures. One common treatment option for saving a badly decayed tooth is a root canal. During a root canal, the infected tooth pulp is removed, and the root canals are thoroughly cleaned and sealed.