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No dental insurance? Here’s what to do if you’re in Arizona

Dentist in a navy blue uniform and black gloves performing a dental procedure on a reclined patient with their eyes closed. The dentist is using an instrument and a suction tool in the patient's open mouth.

With the rising cost of living continuing to dominate the news not just in Arizona but across the USA, more and more people are searching for ways to cut costs and keep more of their hard-earned money in their pockets.

Dental costs can add up for those requiring care, and without proper dental insurance, finding affordable dental treatment can seem impossible. But here’s something to smile about!

At AZ Family & Kids Dental, we believe that maintaining a healthy mouth throughout the year is enough work — paying for it shouldn’t be a hassle. That’s why our team offers convenient dental financing through CareCredit so that patients who might not readily pay upfront can still secure the dental procedures they need.

In this article, we explore the importance of maintaining a healthy mouth, how those without insurance can still access affordable dental care and how to make it part of your dental plan. 

The Truth About Dental “Insurance”

Depending on the policy, many dental insurance plans only cover preventative care and minor repairs. With limits on what dental insurance companies will cover, most of the much-needed and more expensive dental work is not included under the cap.

When compared to medical insurance, Americans are four times less likely to have dental insurance, and it’s easy to see why.

A medical insurance policy limits what the insured person will pay, whereas some dental insurance policies limit what the company will pay.

The Importance of Preventive Care

Cutting out your routine dental visits, especially when you don’t have dental insurance, may seem like an easy way to save, but it can lead to more significant and costly issues in the long run. Dental checkups not only address immediate concerns but also serve as preventive measures, detecting potential problems early on.

Routine dental cleanings and examinations can help prevent the development of cavities, gum disease, and other oral issues, as well as costly emergency dental care. By prioritizing dental care, even without insurance, you can avoid the risk of escalated problems that may require extensive and expensive dental treatments down the line.

Being proactive about your oral health is the best way to avoid costly dental work.

Here are some key practices to include in your consistent and effective at-home oral care routine to improve your oral health:

Consistent Brushing

You don’t need to attend dental school to understand the importance of regularly brushing your teeth. Aim to brush your teeth at least twice a day using fluoride toothpaste. Ensure you use a soft-bristled toothbrush and adopt proper brushing techniques, reaching all surfaces of your teeth and gums.

Regular Flossing

Flossing is essential for removing plaque and debris between teeth that brushing alone may miss. Make it a habit to floss once daily to prevent gum disease and cavities in hard-to-reach areas.

Tongue Cleaning

Cleaning your tongue is often overlooked but crucial for maintaining fresh breath and reducing bacteria. Use a tongue scraper or your toothbrush to gently clean your tongue’s surface.


Incorporating an antimicrobial or fluoride mouthwash into your routine can help reduce bacteria, strengthen enamel, and freshen your breath. Consult your dentist for recommendations tailored to your oral health needs.

Limit Sugary Foods and Beverages

Reduce the consumption of sugary foods and drinks, as they contribute to tooth decay. If you indulge, rinse your mouth with water afterwards, and try to brush your teeth when possible.

Stay Hydrated

Drinking plenty of water is not only beneficial for your overall health but also helps maintain a moist environment in your mouth, supporting saliva production that aids in natural cleaning and neutralizing acids.

No Dental Insurance? No worries!

AZ Family & Kids Dental knows that health insurance or not, finding affordable dental care should be available to every Arizonan. That’s where CareCredit comes in.

Delivering affordable dental care to all Arizonans, CareCredit is a credit card designed to pay for out-of-pocket health and wellness expenses with convenient monthly payments.

Man in blue shirt on computer

Designed to give you dental coverage to help you maintain and improve your dental health, the CareCredit credit card gives you an easy and convenient way to pay for a range of dental services, from routine teeth exams and cleanings to cosmetic dental procedures and orthodontics.

Using CareCredit for Dental Financing

CareCredit’s financing options extend to cover a wide range of dental care needs. You can use CareCredit to finance various dental treatments, including preventive care, routine check-ups, cleanings, and X-rays.

It also encompasses more extensive procedures such as orthodontics, dental surgeries, implants, and cosmetic dentistry treatments like teeth whitening or veneers.

CareCredit allows Arizonans to manage their out-of-pocket dental expenses with flexible payment plans, making it an accessible and convenient option for anyone seeking comprehensive dental care.

Here is how you can use your CareCredit credit card for dental procedures and treatments that you or your family may need:

Preventative Dentistry

  • 6-month check-ups
  • Endodontics
  • Periodontics
  • Periodontal scaling
  • Periodontal disease prevention
  • Gingivitis prevention
  • Fluoride treatment
  • Ceramic Fillings
  • Sealants
  • Teeth cleaning
  • Mouth guard for sports

Restorative & Cosmetic Dentistry

  • Dental implants
  • Ceramic crowns
  • Root canals
  • Braces or retainers
  • Invisalign teeth straightening
  • Lumineers
  • Six Month Smile
  • Veneers
  • Bite plates
  • Headgear
  • Tooth repair
  • Teeth cleaning

Quality Dental Care You Can Afford

Accessing essential dental care can present a significant challenge for Arizonans with no dental insurance. The cost of dental services, ranging from routine check-ups to more complex procedures, can pose a financial barrier, leading many to delay or forego necessary treatments, resulting in costly problems in the future.

Although free dental clinics might be hard to find in Arizona, affordable dental plans aren’t.

With flexible finance options like CareCredit available at AZ Family & Kids Dental, Arizonans without insurance can still access the quality dental care and procedures they need.

Let’s work together to give your family the level of care we know they deserve. Contact us today to book your appointment.