If you’ve ever needed to go to the dentist (which, I mean, I think most of us have at some point or another), you probably know that it can get pretty expensive.  Sure, maybe the routine cleanings aren’t so bad, but once you start delving into other procedures…the bills can really add up.  That’s where dental loans come into play – and I’ll be honest, I didn’t even realize these were a thing.

When I heard about them, though, I simply had to sate my curiosity.  Last year, I had to get my wisdom teeth removed, and it was both painful and really expensive.  My insurance didn’t want to cover it, even though my dentist said it was pretty much medically necessary.  All four of mine were impacted, which meant the roots were down really deep into my gums.  Let’s just say it was uncomfortable.

Now, you’re probably wondering why on earth I’m talking about this for an article about loans.  Well, like I said, there are ones that you can get to help cover the costs of certain dental procedures.  As you can see here, https://www.ada.org/publications/ada-news/2022/july/dental-services-affected-by-countrys-high-inflation, across the world the prices of these important appointments are rising.

That may not seem like the biggest deal, but considering dental care is vital to our overall health, inaccessibility is a pretty big problem.  Out of pocket costs in particular are getting pretty extreme.  So, if you find yourself in that situation, you might find the rest of this article helpful.

What is a Dental Loan?

To some extent, the name itself kind of answers this question.  However, I think it’s worth delving a bit deeper to know a bit more about them.  Even in countries like Norway, there are going to be some expenses when it comes to getting this type of care.  Pretty much no matter where you are in the world, it’s a consideration.

Unfortunately, this does lead to a lot of folks simply forgoing the necessary procedures.  It might seem like an easy solution, but, well, it can cause a lot more issues down the line.  After all, something like a cavity doesn’t just disappear on its own, even if you start to brush your teeth more often or flossing.  Usually, you’ll have to go to the dentist eventually anyway, especially considering some of the infections can end up going to your brain.

Scary thought, right?  That’s why more and more people are starting to consider lån til tannbehandling to help cover the costs incurred.  While it may not be an option for everyone, it can come in handy if you just can’t cover all of the out-of-pocket expenses that you’ll run into along the way.  That way, you can safely afford to pay for anything that you need done.

Why Get One?

Dental Practice and Dental Patient Financing | Henry Schein

If you’re still wondering why you should bother, I don’t really blame you.  It might seem a little bit excessive, honestly, but if you’ve looked at the prices in Norway for simple services like the removal or replacement of a tooth, you’ll probably understand a bit better.  The global economic crash has hit pretty much every industry rather hard.

Trust me, that applies here as well.  Beyond that, though, I think we need to look at the reasons that you shouldn’t skip over your dentist visits in the first place.  Honestly, it’s such a shame that so many people feel like they can’t afford basic medical care like this.  Like I said, it can be really dangerous to leave your teeth alone if they have an infection or a cavity.  However, every year that’s something that people go through.

In addition to the discomfort that a toothache can bring, there’s also the fact that your self confidence can be severely impacted.  As you can read about in this article, this is just one of the many consequences that we are seeing because of how expensive this type of care has become.  Even those of us who like our smile can feel self-conscious if we’ve got a big cavity or severely crooked teeth.

When it came to my operation, I experienced a similar mental debate on why I should bother to get my wisdom teeth removed.  After all, like I said, even my insurance company was saying it wasn’t necessary.  However, the overcrowding in my mouth was getting really extreme, and I decided it was time to make a change.  That’s when I decided to get myself a dental loan.

Is it Worth it?

How to Maximize Dental Practice Revenue During Inflation Without Increasing  Fees - Group Dentistry Now

To some people, this is probably up for debate.  However, in my eyes, I would say that getting a dental loan is usually worth your time and energy.  Unlike some of the other types that could borderline on “frivolous” spending, this is for a necessary medical procedure.  

The way it works is that you take out a private or consumer loan and specify that you are going to use the funds for a dentist operation.  The approval process is pretty much the same as any other type of private loan, but if you’re unfamiliar, it’s simple.  You fill out any necessary paperwork or online forms, add on your personal information and documentation when relevant, and submit your application.

I would recommend that you do this sooner rather than later in terms of planning things out, just so that you have plenty of time to sort out a contract and apply to multiple lenders in case your original choice doesn’t work out.  That being said, I’m definitely a details kind of person, so if that’s not your jam it’s certainly not a requirement.

Remember – don’t put off potentially life-saving care to save a buck or two.  In the end, you’ll be glad that you splurged, even if the monthly repayments mean that you have to pinch pennies a bit for a few months.  Having a beautiful, pearly white smile and teeth that aren’t hurting you all the time are well worth all of that trouble at the end of the day.