Dental insurance? Wisdom teeth, braces and sorrow.

Hi guys,

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I really need some help. I need to get my wisdom teeth and an additional tooth out as a surgical procedure. I would also like to get braces as an adult in my 30's and do freelance work for a living and can do a monthly payment but don't have much money to put down, maybe could scrap together a grand if I had to, but could do a monthly payment up to like $400ish. I live in Florida so healthcare is much more difficult overall here. Currently I have no insurance at all.

The additional tooth is causing me mild pain (but could break through to the nerve any day) so they need to come out soon, but I could possibly wait 6 months if it doesn't break through to the nerve.

They are charging me 4.4k for all the work, including the rich blood injection after extraction and IV sedation without insurance.

I am trying to figure out my best path forward and if I am able to get some type of insurance or help to cover this of any type. I think a combination of CreditCare or another company (LendingClub?) and insurance would be the best way to go, but I'm at a complete loss on what to do – this is not my world at all and I really need some help.

Also if you know of any other credit programs that can help cover this let me know/ My credit score is somewhere around 600 I think at the moment so I'm not sure what I can get.

The bottom of this webpage has all the insurances they accept:

https://www.tiogadental.com/payment-options/dental-insurance/

It's overwhelming going through all of this and their plans.

Aside from dental I need to get an MRI and physical therapy, but I can wait on that until after this is all done. If anybody has suggestions of plans, companies, grants, government programs, I can look at, I would greatly appreciate any and all help, tooth pain is horrible.

submitted by /u/conceptflow
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