Insurance and Financial Information

What Can You Do if You Don’t Have Dental Insurance?

Dental insurance is a benefit provided by some employers, but not all. Even when dental insurance is offered, people choose not to partake in the company plan. 

According to the National Association of Dental Plans, two-thirds or 164.2 million Americans have private dental coverage. Most of those are through employer benefits or programs such as AARP. But that leaves two-thirds of people without dental benefits. And here in the southeast, dental coverage is lower than the national average

We know that needing dental care without having dental insurance can be scary. People without dental insurance are often likely to skip routine cleanings due to the cost — but that leads to more expensive procedures later. 

You might be nervous about finding a Fort Mill dentist office that accepts patients without insurance, but Southlake Family Dentistry is here to help! You don’t have to be covered by dental insurance to be a patient here at Southlake. We have several financing options, so let’s go over them.

Photo by Fitusm Assefa from Pexels


One way to cover dental work costs without having dental insurance is to use CareCredit, a service we are pleased to accept. CareCredit is a credit card that offers individual financing options and helps you pay off dental services over time, usually interest-free for a period of time. This is a wonderful option if you need expensive dental work but don’t have dental insurance. Read more about CareCredit here and decide if it would be the right choice for you. 

Prosper Healthcare Lending

Prosper is the premier financing company in the healthcare industry. We recommend this route if you would like to take out a loan to pay for multiple dental projects. Prosper Healthcare Lending offers benefits such as longer terms for lower monthly payments, no collateral required, having a fast and easy loan inquiry process, and much more! Many of our patients have been pleased with their service. Read more about Prosper Healthcare Lending. 

Cash, Check, or Credit Card 

Finally, you can pay for dental work on your own. In this situation, you will be paying the full price of services by check, credit card, or cash and won’t be using an insurance co-pay. This option works well for regular cleanings and smaller dental procedures. We are happy to inform you in advance about costs so you can plan accordingly. Call our office today to discuss out-of-pocket pricing for our Fort Mill dental services. 

Now that we have broken down the available options for financing dental work without insurance, we hope you feel more informed and less overwhelmed. Sure, having dental insurance is helpful, but don’t think you can’t be a part of the Southlake Family without it. If you have questions about the payment options, please call us today.