Blog article
5 tips for easing dental anxiety and managing out-of-pocket stress
As cost-of-living pressures weigh heavily on household budgets, financial worries are increasingly influencing people’s decisions about dental care.
“With many people having to tighten their purse strings, it’s understandable people are increasingly worried that a visit to the dentist will reveal something expensive to treat,” said Dr Troy McGowan, Executive General Manager-Clinical Excellence for HBF Dental.
“Worries about possible out-of-pocket expenses are likely adding to dental anxiety, especially as the cost-of-living continues to impact household budgets.”
The hidden costs of skipping dental check-ups
Recent data from HBF reveals a troubling trend: many individuals are delaying or skipping essential dental check-ups. While 54% of HBF members claim their annual dental check-up each year, a significant portion – 32% – wait more than two years, and 15% put off their appointments for five years or more. This trend underscores a growing concern about dental costs and the impact on oral health.1
Dr McGowan emphasises the importance of regular check-ups, not just for maintaining oral health but also for avoiding more severe and costly issues in the future. “Regular dental check-ups are important to not only maintain good oral health, but to also avoid what could be painful and even more costly issues with your teeth down the track,” he warns.
So, how can you manage anxiety about potential dental expenses and ensure you receive the care you need without breaking the bank? Well, we’re glad you asked!
1. Request a written quote
Before undergoing any dental procedure, ask for a detailed written quote. This should include all proposed treatments, their associated item numbers, and costs. A written treatment plan helps you understand what to expect and allows you to discuss coverage with your private health insurer.
“These are common discussions that dentists have with patients, particularly in relation to anything more than a simple filling,” says Dr McGowan.
“A written treatment plan will outline all procedures and their associated item numbers so you can also have a conversation with your private health insurer about what is covered.”
2. Ask about payment plans
Many dental practices offer payment plans to help manage the cost of treatments. Don’t hesitate to ask your dentist about available options. Payment plans can spread the cost of more extensive procedures over time, making them more manageable.
3. Prioritise preventative care
Failure to attend regular dental check-ups heightens the risk of developing dental diseases like tooth decay and gum disease. Additionally, neglecting oral care has been linked to various chronic health conditions, including heart disease, stroke, and diabetes. Critical health concerns, such as oral cancer, might also go unnoticed without regular trips to the dentist.2 Like any other health professional, dentists are there to help. Waiting until pain arises may lead to more extensive and costly treatments.
4. Ask about urgency
If your dentist recommends a procedure, ask whether it’s urgent or if it can wait. Understanding the necessity of a treatment can help you prioritise your dental care based on your budget.
“It’s perfectly acceptable to ask your dentist whether the treatment is urgent or whether it can wait, and to ask about preventative care to help you avoid costly dental procedures in the future,” reminds Dr McGowan.
5. Chat about your teeth
If you have any questions about your teeth, don’t be afraid to ask your dentist! (Just maybe wait until there’s not a mouth mirror/suction device/scaler in your mouth.)
“Don’t be afraid to ask about the condition of your tooth enamel, why your dentist has recommended dental x-rays be taken, or whether anything you’re regularly eating or drinking could cause problems with your teeth down the track.
“All are great questions that will help keep your teeth in the best shape possible and keep dental costs to a minimum,” Dr McGowan said.
Taking these steps can help you manage dental expenses more effectively and reduce the stress associated with out-of-pocket costs. Remember, maintaining regular dental visits and discussing your financial concerns with your dentist are key to keeping your oral health in check without the added worry of unexpected expenses.
