Florida Dental Financing And Assistance For Bad Credit/Low Income


Beautiful teeth are important and keeping your teeth and mouth healthy is also important to your overall health. Many Americans living in Florida 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 low cost dental treatment that are available to residents of Florida:

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.

Dental Care for Medicaid Enrollees – Medicaid provides no-cost or low-cost health coverage for eligible people in Florida. Even if you have been turned down in the past or you don’t know if you qualify, you may be able to get health coverage now. Medicaid and CHIP provide health coverage for enrollees so that you can get routine check-ups, immunizations and dental care to keep you healthy. You can also get doctor visits, prescription medications and hospital care when you’re sick, and much more. Medicaid services in Florida is administered by the Agency for Health Care Administration and eligibility is determined either by the Department of Children and Families (DCF) or the Social Security Administration (for SSI recipients). Children up to age 18 and their parents or caretaker relatives may be eligible for Medicaid if the family’s countable income does not exceed the income limits and countable assets are not above $2,000. Medicaid is also available to pregnant women, non-citizens with medical emergencies, aged and/or disabled individuals not currently receiving Supplemental Security Income (SSI).

Florida KidCare – Florida KidCare is the State of Florida’s health insurance program that covers children ages 0-18. The program is made up of Florida Healthy Kids, MediKids Medicaid, and the Children’s Medical Services Network. Benefits include shots, well-child visits, hospital stays, vision services, dental coverage, mental health services and prescriptions.

Health Centers – Florida residents 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 (you pay what you can afford, based on your income) for checkups when you’re well, treatment when you’re sick, complete care when you’re pregnant, immunizations and checkups for your children, dental care and prescription drugs for your family, mental health and substance abuse care if you need it.

Dental Schools – Dental schools can be a good source of quality, reduced-cost dental treatment. Most of these teaching facilities have clinics that allow dental students to gain experience treating patients while providing care at a reduced cost. Experienced, licensed dentists closely supervise the students. Post-graduate and faculty clinics are also available at most schools.

Locations and Contact Information of Dental Schools in Florida:

University of Florida, College of Dentistry – offers a complete range of general and specialty dental services and oral health care, for adults and children. They are a state-funded college but there are still fees for procedures. Being seen by one of their resident or D.M.D. student dentist is considerably less expensive than private practice. To schedule a appointment in one of their clinics you will need to call them at 352-273-6701 during normal business hours and they will direct you to the dental center that best fits your needs.


Center for Implant Dentistry – 1395 Center Drive Gainesville, FL 32610 Appointment: 352-273-6715
Hialeah Dental Center – 750 E 25th St Hialeah, FL 33013 Appointment: 305-694-5400
Tacachale Dental Clinic – 1621 NE Waldo Road Gainesville, FL 32609 Appointment: 352-955-5616
Dental Faculty Practice – 1395 Center Drive D1-17 Gainesville, FL 32610 Appointment: 352-273-7950
Pediatric Dental Center – 1395 Center Drive D1-17 Gainesville, FL 32610 Appointment: 352-273-7643
UF/SPC Partnership (St. Petersburg) Dental Clinic – 9200 113th Street N Seminole, FL 33772 Appointment: 727-394-6064
Faculty Periodontology Practice – 1395 Center Drive D1-14 Gainesville, FL 32610 Appointment: 352-273-7960
Maxillofacial Prosthetic Services – 1395 Center Drive D1-11 Gainesville, FL 32610 Appointment: 352-273-6910
NCEF (Naples) Pediatric Dental Center – 7007 Lely Cultural Parkway Naples, FL 34113 Appointment: 239-775-3052
Graduate Prosthodontic Clinic – 1395 Center Drive D3-27 Gainesville, FL 32610 Appointment: 352-273-6910
D.M.D. Student Dental Clinic – 1395 Center Drive Gainesville, FL 32610 Appointment: 352-273-9097
Oral and Maxillofacial Radiology Clinic – 1395 Center Drive Gainesville, FL 32610 Appointment: 352-273-6664
Graduate Periodontology Clinic – 1395 Center Drive D3-30 Gainesville, FL 32610 Appointment: 352-273-7846
Oral and Maxillofacial Surgery Faculty and Resident Clinic – 1395 Center Drive D1-56A Gainesville, FL 32610 Appointment: 352-273-6733
Graduate Orthodontics Clinic – 1395 Center Drive D1-31 Gainesville, FL 32610 Appointment: 352-273-7960
Orthodontics Faculty Practice – 1395 Center Drive D1-13 Gainesville, FL 32610 Appointment: 352-273-7960
Center for Orphaned Autoimmune Disorders (COAD) – 1395 Center Drive Gainesville, FL 32610 Appointment: 352-273-6739
Periodontal Disease Research Center – 1395 Center Drive D1-27 Gainesville, FL 32610 Appointment: 352-273-6675
Graduate Endodontics Clinic – 1395 Center Drive D1-17 Gainesville, FL 32610 Graduate Clinic: 352-273-5430, Pre-Doctoral Clinic: 352-273-5430, Faculty Associates Practice: 352-273-7950
Oral Medicine Clinic – 1395 Center Drive Gainesville, FL 32610 Appointment: 352-273-6740

Website: ufhealth.org

Nova Southeastern University, College of Dental Medicine – offers patients four affordable treatment options providing standard dental care as well as care in the specialities of pediatric dentistry (children’s dentistry), orthodontics (braces), endodontics (root canal therapy), oral surgery (extractions) and prosthetics (complete and removable partial dentures, bridges, crowns), periodontics (gum disease, implants) within a university setting. Services are available to children, adults, elderly and adolescents. All dental treatment will meet or exceed ethical and technical standards of care, that have been established by the dental profession.


Sanford L. Ziff Center – 3200 S. University Drive Davie, FL 33328
North Miami Beach Center – 1750 NE 167th Street North Miami Beach, FL 33162

To schedule a appointment call (954) NSU-CARE(678-2273).
Website: nova.edu

Lake Erie College of Osteopathic Medicine School of Dental Medicine – This is a new dental school in Florida and no further information was given as when they will be accepting dental patients. Please contact them at the locations given below for the most up-to-date information:

LECOM Bradenton
5000 Lakewood Ranch Boulevard
Bradenton FL 34211-4909
Main Phone No. 941-756-0690

LECOM School of Dental Medicine
Main Phone No. 941-405-1500

Website: http://lecom.edu/

In-House Dental Financing

Some dentists in Florida may offer in-house financing regardless of past credit. However, at this time we were unable to locate any dentist offering this type of financing in Florida.

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 help@infoaviator.org.

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 unitedmedicalcredit.com.

If you get approved or denied, please let us know the details by emailing us at help@infoaviator.org so we can update the information with our viewers.

Clinical Trials – The National Institute of Dental and Craniofacial Research sometimes seeks volunteers with specific dental, oral, and craniofacial conditions to participate in research studies, also known as clinical trials. Researchers may provide study participants with limited free or low-cost dental treatment for the particular condition they are studying.

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