Finding a Dentist When You Have No Insurance or Bad Credit


No matter what your circumstances might be, your family deserves great dental healthcare services. That’s true even if you have less than great credit or don’t have any dental insurance at all.

The Kool Smiles team is founded on one unifying principle: Good dental health should be accessible for everyone. We believe in that mission completely, and we partner with skilled dentists and orthodontists all over the United States who share that belief. Whether you have the financial resources to pay out of pocket for routine and specialized dental care or not, your children can benefit from the high-quality care our numerous dental partners provide.

Many Dentists Accept Medicaid and Other Payment Options

Most of the dentists with whom Kool Smiles partners accept dental insurance from major insurance providers. However, if you don’t have that kind of insurance coverage, that doesn’t mean you have no options. In fact, most Kool Smiles partner dentists, as well as many other dental care providers, are happy to help patients without insurance and without great credit.

In addition to accepting Medicaid, the CHIP (Children’s Health Insurance Program) coverage, and TRICARE for military families, many Kool Smiles partners will also help patients and their families create workable payment plans based on cash or credit. And be sure to ask your dentist’s staff if the office accepts CareCredit, a specialized credit account that helps you finance necessary medical and dental care with affordable monthly payments.

Why Regular Dental Care Is So Important for Kids’ Oral Health

Getting prompt and regular dental care for your kids isn’t something you can neglect. In fact, one of the biggest health problems for U.S. children these days is tooth decay. Cavities and decay aren’t cosmetic issues. They can cause pain and serious health threats for months and even years.

The risk of a lifetime of pain and suffering can be avoided with solid dental care habits and regular dental care. That’s why it’s best to schedule your child’s first appointment with a dentist as early as the appearance of their first tooth, or their first birthday, whichever comes first.

And if you don’t have any insurance or think your credit history will prevent you from financing dental care for your child, don’t let that stop you. At Kool Smiles, we and our partners are all committed to ensuring all children have access to the care that will provide a lifetime of healthy, beautiful smiles.

Trust Kool Smiles Partner Dentists

Believe it or not, a child’s trip to the dentist doesn’t have to be traumatic for either of you! Kool Smiles dental partners have a lot of experience in treating kids, who are often anxious little patients, and their sometimes-anxious parents, as well. With colorful, kid-friendly waiting rooms and a compassionate focus on age-appropriate care and education, Kool Smiles dental partners can provide the high-quality care your child deserves.

Schedule an Appointment With a Kool Smiles Partner Today

Don’t let a lack of good credit or dental insurance coverage prevent your children from receiving the dental care they need and deserve. Kool Smiles partner dentists will work with you to create a payment plan you can afford so that your children’s beautiful smiles stay healthy and strong for life. Find a Kool Smiles partner dentist in your area today and call to make an appointment.



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