my point is, after finally getting dental insurance (8 years without it) i need to see a dentist terribly and i do not have the finances to cover the 20% that would be my part of the copay. are there dentists out there that are able to see a patient without a copay or would they get in trouble by waving the copay? i live paycheck to paycheck but teeth are something you can't neglect.
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There are dentists who offer those long term plans like what Capital One sells. If you sign up for that they will tell you how much you need to pay each month (for a year or so) to cover your part of the expense. It does not go on your regular credit card and evidently they do not report it to credit bureaus so your existing credit line is untouched. If you want low cost compassion see if there is a dental school in your area. They usually have a clinic where senior students (under supervision of a licensed dentist) will do the work for free or for negligible cost. Forsythe in the Boston area does that for example.
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