Discount Dental Plans In Massachusetts For Bad Credit/Low Income


Beautiful teeth are important and keeping your teeth and mouth healthy is also important to your overall health. Lack of access to dental care for all ages remains a public health challenge and many Americans living in Massachusetts are finding it difficult to pay a dentist for their dental needs. This may be because they are unable to afford dental treatment or unable to get approved for financing because of bad credit.

Here we have listed the options for discount dental plans that are available to residents of Massachusetts:

Dental Benefits For Veterans – Dental benefits are provided by the Department of Veterans Affairs according to law. In some instances, Veterans Affairs is authorized to provide extensive dental care, while in other cases treatment may be limited. Eligibility and benefits for Veteran dental care are limited by law and categorized into VA dental classifications or classes.

Massachusetts Health Centers – Residents of Massachusetts may also want to contact their local Health Center as many may provide discounted dental services to those unable to afford treatment. The Bureau of Primary Health Care, a service of the Health Resources and Services Administration (HRSA), supports federally-funded community health centers across the country that provide free or reduced-cost health services, including dental care. See or contact the HRSA Information Center toll-free at 1–888–Ask–HRSA (1–888–275–4772) for a list of health centers in the Massachusetts counties of Nantucket, Dukes, Franklin, Berkshire, Hampshire, Barnstable, Hampden, Plymouth, Bristol, Norfolk, Suffolk, Essex, Worcester, and Middlesex.

MassHealth – This public health insurance program for low income residents of Massachusetts is a combination of Medicaid and the Children’s Health Insurance Program (CHIP). Eligibility is based on family income. MassHealth dental benefits for adults includes preventive and diagnostic services (such as cleanings, checkups, X-rays), emergency treatment, extractions, certain types of oral surgery (such as biopsies), and composite fillings for the 12 front teeth. Coverage of all fillings for adults will begin in 2014. This insurance program does not cover dentures, root canals, crowns, and other restorative services for most members age 21 or older. Children under age 21 get dental coverage for restorative services (such as fillings), root canals, braces, most oral surgery, crowns, and other necessary dental services. To learn more about MassHealth see

Contact Information For MassHealth:

MassHealth Member Customer Service Center
TTY: 1-800-497-4648

Disability Special Accommodations Ombudsman
TTY: 1-617-847-3788

MassHealth Dental Customer Service Center
TTY: 1-800-466-7566

MassHealth Provider Services

Dental Schools – Dental schools are a excellent source of reduced-cost, quality dental treatment. Most of these teaching facilities have clinics that allow dental students to gain experience treating patients while providing care at a lowered cost. Licensed, experienced dentists closely supervise the students. Faculty and post-graduate clinics are also available at most dental schools.

Locations and Contact Information of Dental Schools in Massachusetts:

—–Boston University Henry M. Goldman School of Dental Medicine – Their trained students provide comprehensive affordable dental treatment that cost considerably less than services provided by most private practices at their Patient Treatment Center. There is special pricing to MassHealth members.

Contact Information:

100 E Newton Street
Boston, MA 02118
To schedule your first appointment, call 617-638-4700

—–Harvard School of Dental Medicine, Boston – Provides comprehensive dental care to patients by student dentists that are supervised by Harvard faculty. They provide affordable dental care for general dentistry, prosthodontics (including implant dentistry), periodontics, orthodontics, endodontics, and dental hygiene. They accept Agna, Delta Dental Premier, BC/BS, and MassHealth.

Contact Information:

Harvard Dental Center
188 Longwood Avenue
Boston, MA 02115
Phone: 617-432-1434

—–Tufts University School of Dental Medicine, Boston – They offer a full range of high quality general, emergency, and specialty dental care at reduced fees (when compared to private dental practices) for adults and children. Dental care is provided by faculty-supervised pre-doctoral dental students and post-doctoral dental residents for services such as cleanings and evaluations, orthodontics (braces), root canals, bridges, esthetics, and oral surgery. They also accept insurance from Blue Cross Blue Shield Dental, Delta Dental, Commonwealth Care (Type I and II), Cigna, MassHealth, and Veterans Services.

Contact Information:

1 Kneeland Street
Boston, MA 02111
General Inquiries/New Patients – (617) 636-6828

In-House Dental Financing – Some dentists in Massachusetts may offer in-house financing regardless of past credit.

Below is a list of dentists that claim they can help people with bad credit financing for dental work in Massachusetts:

At this time we are unable to locate any dental offices in Massachusetts that offer in-house dental financing with bad credit. If any of our viewers are aware of any in-house financing programs for bad credit or if you are a dentist that offers such a program and want to be added to our list, please email us at

Although they are not a dentist but a finance company, United Medical Credit claims to offer financing options for most credit scores. In cases when the applicant is declined due to derogatory credit, they claim you can add a co-signer on the loan to help try and get you approved. They provide oral cosmetic and dental procedure loans for braces, contouring, reshaping, gum surgery, dentures, root canals, veneers, tooth whitening and more. For more information you can contact them by calling (888) 647-4333 or visiting their website at If you get approved or denied, please let us know the details by emailing us at so we can update the information with our viewers.

Clinical Trials – The National Institute of Dental and Craniofacial Research sometimes seeks volunteers with specific oral, dental and craniofacial conditions to participate in research studies, otherwise known as clinical trials. Researchers may provide study participants with limited low-cost or free dental treatment for the particular condition they are studying. To find out if there are any NIDCR clinical trials that you might fit into, visit the NIDCR web site.

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