Free To Low Cost Dental Care In Utah 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 Utah 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 affordable dental plans for those with low income that are available to residents of Utah:

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.

Utah Medicaid – This program covers medical expenses for certain people that have limited income and resources. Eligibility is determined by the Employment Centers at the Department of Workforce Services (DWS). Medicaid in the state of Utah offers dental benefits for pregnant women and children until the age of 21 for cleanings, examinations, sealants, X-rays, fluoride treatment, root canals on some teeth, fillings, silver crowns, dentures and partial dentures, and extractions. See for further information on eligibility, health and dental coverage and how to apply for Utah Medicaid.

Children’s Health Insurance Program (CHIP) – This is a state of Utah health insurance plan for children that includes dental coverage. Depending on family size and income, working families who don’t have any health insurance may qualify as long as the children are under age 19 and are U.S. citizens or legal residents. To apply for CHIP see

Primary Care Network (PCN) – This is health plan offered by the Utah Department of Health that was designed for low income adults includes coverage for dental exams, cleanings, dental X-rays, and fillings. The yearly enrollment fee is $15, $25, or $50, depending on your income. Applications are accepted during their open enrollment period, which are held when resources are available to cover additional people. To qualify you must be age 19 through 64, uninsured, U.S. citizen or legal resident, not have access to student health insurance, Veterans’ Benefits or Medicare, and not be eligible for Medicaid. To learn more about this program see

Donated Dental Program – Salt Lake Donated Dental Services works with volunteer dentists to provide free services for the homeless and indigent. People seeking free dental care enter their name into a drawing a day ahead of time and all patients who get treated are drawn on a daily basis. For people that don’t qualify for free care, they offer a program where dental care is offered at a reduced rate that averages about 50% less than a private dental office. Both of these programs are only offered to low income people. To learn more see or contact them at 476 N. 900 W. American Fork, UT 84003 Phone (main): (801) 756-5522.

Health Centers – Residents in Utah 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.

Contact the HRSA Information Center toll-free at 1-888-Ask-HRSA (1-888-275-4772) for a list of health centers in the Utah counties of Box Elde, Beaver, Cache, Daggett, Carbon, Davis, Emery, Duchesne, Garfield, Iron, Grand, Juab, Millard, Kane, Morgan, Rich, Piute, Salt Lake, Sanpete, San Juan, Sevier, Tooele, Summit, Uintah, Wasatch, Utah, Wayne, Washington and Weber.

Utah 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 Utah:

Roseman University of Health Sciences – Offers dental care at rates lower than a traditional dentist for adults and children over the age of 5. Services include dental examinations, X-rays, tooth sealants, extractions, root canals, teeth cleaning and dental fillings.


10894 S. River Front Pkwy
South Jordan, UT 84095
Schedule an Appointment: 801-878-1200

In-House Dental Financing – Some dentists in Utah 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 Utah:

Monarch Dental – Offers dental care for regular check-ups, fillings and cleanings, X-rays, dental crowns, braces, implants, dentures, bridges, tooth extractions and cosmetic dental services (teeth whitening, veneers and bonding). If you lack insurance or good credit, they offer a ConfiDent discount program and flexible low payment options.


280 N. Union Ave. #L110, Farmington, UT 84025 Phone: (801) 934-3181
476 N. 900 W. Suite A American Fork, UT 84003 Phone: (801) 756-5522
24 South 500 West Suite D Bountiful, UT 84010 Phone: (801) 296-1606
4645 South 4000 West #B West Valley, UT 84120 Phone: (801) 955-1900
370 East South Temple Suite 350 Salt Lake City, UT 84111 Phone: (801) 320-9810
10011 S. Centennial Parkway Suite 330 Sandy, UT 84070 Phone: (801) 256-3700
575 E. University Parkway Suite A-24 Orem, UT 84058 Phone: (801) 225-3300
5974 S. Fashion Pointe Drive Suite 210 South Ogden, UT 84403 Phone: (801) 475-6121
1492 West Antelope Drive Suite 201 Layton, UT 84041 Phone: (801) 776-6566
1140 W. Riverdale Road Suite D Ogden, UT 84405 Phone: (801) 917-1502
5419 S. Redwood Road Unit 2 Taylorsville, UT 84123 Phone: (801) 263-6400


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.

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