Cavity is a slow poison. It rots your teeth slowly and surely, and you realise it when it is too late. Suddenly, the pain becomes so severe that you make an appointment with your orthodontist, which means tooth extraction. This costs a lot of money. What if you do not have sufficiently funds to meet dental fees? Medical insurance could help you cover some of the costs. Just because you have medical insurance, it does not imply that you should not set aside money for your medical expenses.
Savings are a must, come what may. Even if you are on low wages, you should try to build a medical emergency cushion. However, there is a possibility that your savings are meager due to low wages, and your medical insurance does not cover the cost. You can rely on financial help if you do not have enough money.
Here are the ways to meet dental treatment costs when you are low on wages and do not have sufficient savings:
There is a possibility of getting free NHS dental appointments; however, not everyone is eligible for free appointments. Here are some conditions you will have to meet in order to get free NHS dental appointments:
It is not to forget that you will have to provide proof that you are eligible to access free NHS dental treatments. The following documents you will need to prove your eligibility to access free dental services:
Suppose you are not eligible for free NHS dental treatments and are on low wages. In that situation, you will be able to get help to clear part of the payment under the NHS lower-income scheme.
If your savings are not sufficient and you cannot qualify for free NHS dental treatments, you should try to borrow money from a direct lender. There are several short-term loans that you can qualify for from a direct lender. They are all called same day loans because you can get funds directly into your account the same day you put in a loan application.
Even if you have a bad credit rating, you are qualified to borrow funds from immediate lenders. However, interest rates will be quite high. If the loan amount is exiguous, you will have to discharge the whole of the debt in one fell swoop.
There are some lenders who could provide you with instant cash loans for bad credit at the lowest possible interest rates, but you will have to do some research. Interest rates and fees by two lenders cannot be the same. Therefore, it is enjoined that you do proper research to find the best deal.
If you are unemployed and your savings are not enough, try to use your benefits. If they are not sufficient, you can consider taking out an unemployed loan, but you must have a side gig. A passive income source is a must in order to ensure that you will be able to repay the debt. If you do not have any passive income source, such as pet sitting, babysitting, or dog walking, you can consider your benefits as your income in order to apply for a loan.
Bear in mind that your lender would be inclined to lend you money only if you are able to prove your affordability. If they find that you cannot meet your expenses along with debt payments, they will refuse your loan application.
If you already have a credit card, you should try to use it. However, the use of a credit card is advisable when you have to borrow a small amount of money. For instance, if your savings are not enough and your health insurance does not cover the whole cost of the treatment, you can use a credit card to bridge the gap. This would help you meet the cost of dental treatment, provided you do not struggle to clear your credit card debt.
It is vital to settle your credit card bill as soon as your bill is generated in full, because if you miss the payment, you will have to pay interest penalties. Late payment fees will also be added. A credit card could be a useful means to meet the cost of dental treatments only if you are certain about your repaying capacity. Otherwise, there are high chances of falling into an ongoing cycle of debt.
If you do not have enough money for dental expenses, you should consider borrowing money from a direct lender. Short-term loans could help you cover your dental expenses. Use a credit card if the money you need is exiguous and you are completely certain that you would not have to carry the balance.
If you are on low wages and do not have enough savings, check if you are able to access free NHS dental treatments.
Jennifer Powell embraced finance writing just the moment she started working as a finance executive with EasyCheapLoan, which is a direct lender in the industry. Jennifer has an exceptionally keen eye for details and used her skills to pen down numerous blogs and articles on finance. When asked, she simply replies with a look on her face that shows how genuinely she cares for people struggling with financial problems. Jennifer works dedicatedly as a finance professional and considers sharing both her experiences and knowledge to increase the financial literacy of people and businesses.
