How Much Is a Dental Visit Without Insurance?

How much is a dental visit without insurance? Find out the costs and alternatives to ensure affordable dental care. Read more on our blog.

Navigating the world of dental care without insurance can often feel like a journey through uncharted waters. Many of us face the crucial question: "How much will a dental visit cost without insurance?" 

Understanding these costs is essential, not only for budgeting but also for maintaining your oral health.

At Swish Dental, we recognize that access to dental care is a fundamental part of overall health and well-being. To address this, we're shining a spotlight on the comprehensive range of financing options available to our patients. 

Our partnerships with renowned financial services like Cherry, HFD, and CareCredit are tailored to provide flexible and transparent payment solutions. These options are designed to alleviate the stress of dental expenses, making quality dental care accessible to everyone, regardless of insurance status.

Join us as we delve into the specifics of these financing plans and how they can transform your dental care experience, ensuring that a visit to the dentist is never out of reach.

How Dental Insurance Works

Navigating the vast array of dental insurance plans can be overwhelming. To simplify this, let's explore the common features prevalent in dental insurance across the United States:

  • Preventive Services Coverage: Dental insurance plans typically cover routine preventive services, including regular check-ups, cleanings, and X-rays. Understanding the extent of coverage for these fundamental services is key to maximizing your benefits.
  • Coverage for Common Procedures: Beyond preventive care, dental insurance often extends to cover common procedures like fillings, root canals, and extractions.
  • Inclusion of Major Dental Work: Comprehensive plans may also encompass major dental work such as crowns or bridges. We'll shed light on how these procedures fit into the broader coverage landscape.

Coverage levels vary, so understanding your policy is key.

Does Swish Dental Take My Insurance?

At Swish Dental, we gladly accommodate a wide range of dental insurance plans. To ensure you have the coverage you need, take a moment to complete our brief form. It's a quick process that only takes a few seconds.

Visit our website to check your insurance coverage!

Why It’s Important to See a Dentist, Even if You Don't Have Insurance

At Swish Dental, we are committed to helping you achieve your healthiest and most vibrant smile. We believe that seeing a dentist regularly, even in the absence of insurance, is crucial for several compelling reasons:

  • Preventive Care: Regular dental check-ups enable the early detection of potential issues such as cavities, gum disease, or oral cancers. Addressing these problems in their initial stages can prevent the need for more extensive and expensive treatments down the line.
  • Oral Health Maintenance: Dentists play a pivotal role in maintaining your overall oral health. Professional cleanings and examinations help remove plaque and tartar, reducing the risk of cavities and gum disease. They also guide proper oral hygiene practices tailored to your specific needs.
  • Timely Intervention: Delaying dental visits can exacerbate existing issues, leading to more complex and costly treatments in the future. Seeking timely intervention, even without insurance, can prevent oral health problems from escalating.
  • Pain Management: Ignoring dental issues can result in pain and discomfort. Regular visits to the dentist allow for the identification and treatment of problems before they reach a stage where pain becomes a significant concern.
  • Long-Term Cost Savings: While dental treatments can be expensive, the cost of neglecting oral health can be even higher. Preventive care and early intervention can ultimately save you money by avoiding the need for more extensive, and often more expensive, procedures.

Book Your Next Check-Up with Swish Dental

How Much Is a Dental Checkup Without Insurance?

Visiting the dentist without insurance can be a concern for many but dental care is vital for maintaining overall health, and we believe that financial considerations should not be a barrier to receiving the care you need.

At Swish Dental, we believe in transparent pricing and offer competitive rates for all our services, ensuring quality dental care is accessible to everyone.

With our affordable Swish Smiles Membership, you can enjoy discounts on common dental services. See common pricing examples below.

Read More About the Swish Smiles Membership

Average Costs for Fillings, Crowns, and More

Without the safety net of insurance, understanding how much a dental appointment costs becomes a crucial aspect of managing your oral health.

So how much is a dental visit without insurance? Let's take a closer look at the average expenses associated with some routine dental treatments:

Regular Cleanings

A cornerstone of preventive oral care, regular cleanings are essential for maintaining oral hygiene. Without insurance, the cost for a typical cleaning can fluctuate, ranging between $75 and $200. These routine appointments play a pivotal role in preventing more extensive oral issues down the road.

More Complex Procedures— Fillings and Root Canals

When it comes to more intricate procedures like root canals, costs can vary significantly based on factors such as the specific tooth affected and the complexity of the procedure.

For fillings, the price can vary based on the number of surfaces needing treatment. A single-surface filling is generally less expensive, as it requires less time and material to complete. The cost might start at a lower range for these simpler procedures. However, multi-surface fillings or those involving more complex situations can escalate in price. This increase is due to the additional time, skill, and materials required for treating larger or more complicated cavities.

Root canals, similarly, vary in cost based on the complexity of the case. The price can fluctuate depending on which tooth is affected (for example, front teeth are generally easier and cheaper to treat than molars), the severity of the infection or damage, and the specific treatment plan tailored for each patient. More complicated cases, such as those involving molars or teeth with multiple roots, will likely be at the higher end of the price spectrum.

Without insurance coverage, you might find yourself facing expenses ranging widely from $300 to $2,000. It's important to note that the intricacy of the tooth's structure and the severity of the issue can influence the overall cost, including procedures like veneers, braces, Invisalign, implants, and other procedures.

Swish Smiles Membership

Swish Smile Membership transcends traditional dental insurance, offering a subscription-based approach to dentistry that's both affordable and comprehensive. The membership covers a wide range of services, from cleanings and fillings to crowns and orthodontics, ensuring that your dental health is maintained without financial strain.

Our Swish Smiles Membership can help by reducing those costs significantly:

Price ranges may vary based on the complexity of your case and the treatment required.

Cash Price With Swish Smiles Membership
New Patient Exam $500
Regular Cleaning $350 Included
SRP (if required) $1145-$1505 $840-$1240
Fillings $280-$520 $203-$420
Crowns $2,510 $1913
Extraction $425-$2,200 $335-$1,900
Root Canal $1,250-$1,720 $930-$1,350
Invisalign $6,450 $4,700
Boost Whitening $175 Included
Zoom Whitening $475 $475

Enrolling online is easy, and members can immediately start saving on oral care at any participating Swish Dental office. Enjoy top-quality dentistry at a fraction of the price and join a community of satisfied members who've experienced the benefits.

To become a part of this innovative dental care solution, sign-up for a Swish Smiles Membership and start your journey towards affordable, high-quality dental care today.

Sign up now!

How to Get Financing for Dental Work at Swish Dental

At Swish Dental, we understand that managing the financial aspects of oral care can be a challenge, especially for those unexpected or extensive treatments. That's why we are committed to providing flexible and accessible financing options, ensuring that every patient can receive the tooth care they need without financial burden.

Our dental financing solutions cater to a diverse range of needs and circumstances, offering various plans to suit different budgets. From straightforward payment plans to partnerships with trusted financial services like Health Financing Direct (HFD), Affirm and CareCredit, we make it easier for you to invest in your oral health.

Financing Option APR Range Financing Period Max to Finance Approval Rate/Credit Check
HFD 0% - 34.99%
Up to 24 months $5,000 100% approval
No hard credit check
Affirm 0% - 30% Up to 18 months $5,000 Approval required
No hard credit check
Care Credit 0% - 29% Up to 18 months Up to $20,000 Approval required
Hard credit check

Whether you're considering routine care, cosmetic dentistry, or more comprehensive treatments, we aim to remove financial barriers, enabling you to focus on achieving and maintaining optimal oral health.

Discover how Swish Dental's financing options can transform your oral care experience, making it more manageable and stress-free.

Dental Financing Options With Affirm

We're delighted to partner with Affirm to offer a seamless and straightforward financing option for our patients at Swish Dental.

Affirm provides an accessible way to manage the cost of your dental procedures, with the flexibility to select a payment plan that aligns with your financial needs.

Key highlights of financing with Affirm include:

  • Minimum term length of 18 months, giving you ample time to manage payments.
  • Attractive interest rates starting as low as 0% APR.
  • Freedom from prepayment penalties, allowing you to settle your balance earlier without extra charges.
  • A swift and hassle-free process, taking less than five minutes to complete.

Importantly, checking your eligibility for Affirm financing won't impact your credit score, as it does not involve a hard credit check. Our commitment to transparency ensures there are no hidden fees, and the terms are clearly laid out for your understanding.

Once approved, you'll collaborate directly with Affirm to make regular payments based on your chosen term. This partnership reflects our dedication to providing flexible and transparent financial solutions, making dental care more accessible for our patients.

Get started with Affirm

Financing Dental Care With CareCredit

CareCredit stands out as a specialized healthcare credit card, designed to make managing the cost of dental and medical expenses more manageable.

It functions as a unique financial tool specifically for health-related services, including oral care. With CareCredit, patients at Swish Dental have the flexibility to cover various treatments and procedures, from routine cleanings to more advanced oral work.

What sets CareCredit apart is its range of short-term financing options, often with no interest if paid in full within the promotional period, subject to credit approval.

Dental Financing with HFD

Healthcare Finance Direct (HFD) presents a transformative approach to patient financing, particularly for those without insurance or needing procedures not covered by insurance.

Choosing Healthcare Finance Direct (HFD) for your healthcare financing provides an accessible, inclusive, and streamlined experience.

Here's what you can expect:

  • Broad Approval: Nearly all applicants, regardless of their credit history, are likely to get approved.
  • No Impact on Credit Score: Applying for financing doesn't involve hard credit checks, so your credit score remains unaffected.
  • Flexible Financing: With financing available up to $5,000, HFD covers a range of healthcare services, from minor to more significant treatments.
  • Simple Payment Management: HFD handles all aspects of payment processing and management.
  • Transparent Terms: Clear communication about payment plans and terms ensures there are no surprises.

Can You Get Quality Dental Care Without Breaking the Bank?

Absolutely! At Swish Dental, we believe in providing affordable top-quality oral care. With our membership plans, financing options, and commitment to affordability, quality oral care is within reach for everyone.

Book an Appointment Today!

Frequently Asked Questions

How Much Is the Dentist Without Insurance?

Dental appointment costs vary widely based on factors like location, specific services, and provider fees. On average, a routine check-up may range from $75 to $200, while more complex procedures can range from $300 to several thousand dollars. Prices are influenced by individual cases and geographic considerations.

How Much Does the Swish Smiles Membership Cost?

Our Swish Smiles Membership is an affordable alternative to traditional insurance. For a flat annual fee, members gain access to a range of dentist services at significantly reduced rates.

What Does the Swish Smiles Membership Include?

Membership includes preventive services like cleanings, exams, and x-rays at no extra cost, along with discounted rates on other procedures. It’s designed to make regular oral care more affordable.

How Can I Get Financing for Dental Work?

Swish Smiles offers financing options through third-party providers. Patients can apply for financing with simple, straightforward terms, making it easier to manage the cost of oral care.

What Are Common Financing Options for Healthcare Expenses?

Various financing avenues exist to facilitate access to healthcare. From personal savings and credit cards to the best dental loans and low-interest-rate healthcare credit cards, individuals can choose options that align with their financial circumstances. Exploring these choices ensures that health remains a priority without undue financial strain.

What Should I Consider Before Getting a Dental Loan?

Before obtaining a dental secured loan, evaluate interest rates, repayment terms, and any hidden fees. Confirm the loan amount needed and assess your ability to meet monthly payments. Understanding these factors ensures informed decisions, promoting a financially responsible approach to dental financing.

What Dental Services Can You Finance?

At Swish Dental, almost all dental services can be financed, from basic cleanings to more extensive treatments like implants or cosmetic procedures.

What Is Care Credit Dental?

CareCredit is a healthcare credit card that can be used for quick funding for treatments and procedures related to oral care, health, and wellness. It offers short-term financing options at 0% intro APR if paid in full within the promotional period. This flexibility allows patients to receive necessary care immediately while providing a convenient and affordable way to spread out payments over time. Many approved applicants have a minimum credit score of 540/560. You can also apply with a co-signer to improve the likelihood of being approved.

How to Apply for Care Credit Dental?

Applying for CareCredit is simple. Visit their website or ask our front desk for assistance. A quick credit check will determine your eligibility.

What Credit Score Do You Need for Care Credit Dental?

CareCredit requires a credit check, and approval is based on your credit history. Generally, a fair to good credit score increases the likelihood of approval.

How to Finance Dental Implants With Bad Credit?

Financing options like Affirm and in-house payment plans at Swish Dental can help patients with less-than-perfect credit. We believe in making oral care accessible to all, even without the best credit score.

What Credit Score Is Needed for Dental Financing?

While each financing option has its criteria, at Swish Dental, we offer solutions for patients with various credit backgrounds. Our goal is to ensure everyone has access to quality oral care, whether or not you have an excellent credit score.

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Last Modified:
June 6, 2024