What To Do When Dental Insurance Won’t Pay?

Do you have dental insurance but still find yourself stuck with hefty bills after a visit to the dentist? It’s frustrating when you’re paying for coverage, yet your insurer won’t pay for necessary treatments. Unfortunately, this situation is all too common.

But don’t despair! There are steps you can take to get help with those dental bills and avoid breaking the bank. In this blog post, we’ll explore what to do when your dental insurance won’t pay and share tips on how to navigate this frustrating situation. So let’s dive in!

What to do when your dental insurance won’t pay

The first thing you should do when you find out your dental insurance won’t pay is to contact your insurer. Ask for a detailed explanation of why the claim was denied and review your policy to ensure that the treatment is covered. Sometimes, there may have been an error or misunderstanding on their part.

If you’re still not satisfied with their response, consider filing an appeal. Most insurers have a formal appeals process in place that allows you to challenge their decision. You’ll need to provide additional documentation from your dentist and explain why you believe the treatment was necessary.

Another option is to negotiate with your dentist for a lower price or payment plan. Many dentists understand that patients can face financial difficulties and are willing to work with them. Be upfront about your situation and ask if they can offer any flexibility in billing.

Look into alternative sources of funding such as dental financing programs or healthcare credit cards like CareCredit. These options allow you to spread out payments over time while avoiding high-interest rates associated with traditional credit cards.

Remember, it’s essential never to give up when dealing with insurance issues – persistence pays off!

How to get help with dental bills

Dealing with dental bills can be a daunting task, especially when you have to pay for them out of your own pocket. Fortunately, there are several options available to help you manage the cost of dental care.

One option is to look into dental discount plans. These plans typically require a monthly or annual fee but offer discounts on dental services from participating providers. By joining one of these plans, you may be able to save money on routine cleanings and other procedures.

Another option is to explore financing options offered by dental practices themselves. Many dentists offer payment plans that allow patients to spread out the cost of their treatment over time. This can make it easier for you to afford necessary procedures without having to worry about coming up with a large sum of money upfront.

In addition, some charitable organizations and non-profits provide assistance with healthcare costs, including dental expenses. It’s worth researching these resources in your community and seeing if they might be able to provide any support.

Don’t hesitate to talk directly with your dentist or oral surgeon if you’re struggling financially. They may be able to work with you on finding alternative treatments or payment arrangements that fit within your budget.

While dealing with unexpected dental bills can feel overwhelming at times, there are resources available that can help ease the burden and ensure that you still receive quality care for your oral health needs.


Dealing with dental insurance can be a frustrating and complicated process. If you have found yourself in the situation where your dental insurance won’t pay, don’t worry – there are still options available to you.

It’s important to carefully review your policy and understand what is covered and what isn’t. You can also try negotiating with your dentist or contacting your insurance provider directly to inquire about alternative payment arrangements.

If these options do not work out for you, there are other resources available such as discount plans or financing options that may help alleviate some of the financial burden of dental procedures.

Remember that taking care of your oral health is important for both your physical well-being and overall quality of life. Don’t let hurdles like insurance coverage prevent you from getting the necessary treatment that you need.

Staying informed about your policy, communicating effectively with all parties involved, exploring alternative payment options if needed and prioritizing good oral hygiene habits will ultimately lead to better outcomes when navigating issues surrounding dental expenses.