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Woman holding money between teeth with "Keep your teeth white and wallet green!"

Just like healthcare, dental care is essential for your health and wellbeing.

Likewise, it isn’t free in America.


How can you keep your teeth white and wallet green?

Here are five tips to help you receive affordable dentistry in North Carolina (or wherever you are!).

1. Dental insurance

Dental insurance can help you save money, especially if you need restorative dental work.

How does it work?

  • You sign up for a dental insurance plan and pay a monthly or yearly premium.
  • In exchange for that fee, your plan will cover specific dental procedures.
  • Many plans cover preventive dental care at 100% (no additional cost). This typically includes exams, cleanings, and x-rays.
  • Some plans also offer other procedures like fillings, crowns, dental implants, bridges, dentures, etc. The coverage amount will vary, but it’s typically 50%.

How to get the biggest bang for your buck:

Choose a dentist who’s in-network with your plan.

Why does this matter?

Some insurance policies may not cover services or reduce coverage for out-of-network dentists.

But in-network dentists mean you get to maximize your insurance fully.

At Night & Day Dental, we’re in-network with a wide range of dental insurance plans.

“I’m very satisfied that this dentist uses many insurance plans. I’ve continued to hear great reviews from this dentist on what my insurance covers for me! This place has made it easier for me to visit! I’ve recommended friends and family to use this place if their insurance is covered!” – Shannon H., Night & Day Dental Google Review

View List of Insurances

Another dental insurance tip:

Most policies have an annual maximum. This means your provider will only pay X amount toward dental treatments within one year.

So, if you need a lot of dental work, ask your dentist about this:

Sometimes treatments can be spread across two coverage periods. This will help you maximize your annual maximum twice and pay less out of pocket.

For example, you could get an implant post placed in September and your crown in January when your coverage renews. But note this option is only feasible if your oral health isn’t at risk.

“They took time to explain my treatment plan and schedule to best maximize my insurance so my out-of-pocket cost remains less expensive.” – Renea W., Night & Day Dental Google Review

Have questions about your dental insurance in North Carolina? Ask us!

Call Night & Day Dental

2. In-house dental savings plan

Don’t have dental insurance? Find a dental office (like ours) that offers an in-house dental membership or savings plan.

What is a dental savings plan?

It’s an affordable alternative to dental insurance.

You’ll pay a fee in exchange for dental coverage from that dental practice.

But the best part?

There are zero insurance hassles:

  • No yearly maximums
  • No copays
  • No deductibles
  • No claim forms
  • No pre-authorization requirements
  • No pre-existing condition limitation
  • No waiting periods (immediate eligibility)

The Night & Day Dental savings plan includes a 100% discount on preventive services. Plus 20% off additional services.

At Night & Day Dental, our dental savings plan includes a 100% discount on preventive services:

  • Comprehensive new patient exam (initial visit)
  • Periodic exam (2 per year)
  • Limited emergency exam (1 per year)
  • X-rays (1 set per year)
  • Routine cleanings (2 per year)
  • Fluoride (once per year)

Plus, a 20% discount on additional services like fillings, crowns, dental implants, and more!

Want pricing information?

Call Our Office For More Details

3. Third-party financing

Want to improve your smile’s appearance with cosmetic dentistry?

Or fix damaged or decayed teeth with restorative dentistry?

You don’t have to save up money for years.


Ask your dentist about third-party financing.

More specifically, CareCredit… This text opens a new tab to the CareCredit website….

CareCredit is a credit card for healthcare, dentistry included.

It lets you pay for your dental bills over time with convenient monthly payments.

You can even get prequalified for CareCredit without impacting your credit score!

“As I got older, I began to lose a lot of teeth. I couldn’t eat the foods I desired, like salads, apples, or other simple things. I never thought I would be able to afford dentures. With CareCredit, I had hope, and my payment … fit my budget. If it wasn’t for CareCredit, I wouldn’t be eating nutritionally.” – Hellen S., CareCredit Testimonial

CareCredit can help you pay for:

  • Cleanings
  • Periodontal care
  • Fillings or sealants
  • Dental implants
  • Crowns
  • Orthodontics
  • Veneers
  • And more!

Ask your dentist if they’re in the CareCredit network, like ours.

Contact Night & Day Dental About Financing

4. Visit your dentist regularly

 Visit your dentist for routine exams and cleanings to avoid costly dental procedures.

Money is a big reason people avoid the dentist.

But guess what?!

Not going to the dentist will actually result in more expenses down the road.

How so?

Maintaining your oral health at home is only one-half of the equation.

The other half includes routine dental exams and cleanings. These preventive visits allow your dentist to prevent dental problems and disease proactively.

And if a problem does arise, your dentist will catch it early on. This means treatment will be less invasive and more affordable than if you had left it unchecked.

For example, a filling costs significantly less than a crown.

At Night & Day Dental, we often find that patients who avoid the dentist have periodontal disease, need emergency dental care like root canals or tooth extractions, etc. These costly procedures could have been prevented or treated with regular dental visits earlier.

Book Visit at Night & Day Dental

5. Emergency dental care

When it comes to dental emergencies, time is of the essence.

You can’t afford to wait over the weekend or for the next available appointment to see your dentist.

The longer you wait to get treated, the more you’re at risk for pain, complications, and irreversible damage.


The worse a dental problem gets, the more invasive and costly a treatment is likely to be.

“Can I go to the hospital, ER, or urgent care?”

We advise against this unless it’s a life-threatening emergency.


Most hospitals aren’t equipped with dentists. Meaning they cannot provide the dental care you need. Sometimes, they can only treat your pain with antibiotics or extract a tooth.

In the end, you’ll still need to see a dentist. But, you’ll wind up with TWO bills. And hospitals aren’t cheap.


No one can predict a dental accident or emergency.

And they tend to happen at inconvenient times, like outside of most dentists’ regular business hours.

That’s why it pays to have a dentist who offers emergency dental care.

For example, Night & Day Dental offers:

  • Emergency dental care
  • Extended hours until 10pm
  • Saturday & Sunday availability
  • Same-day appointments

Ask your dentist what their policy is on urgent dental care.

Call Us for Emergency Dentistry

Don’t let money stop you from loving your smile

You deserve to have a healthy, pain-free mouth with beautiful teeth.

With these tips, you can find an affordable dentist in your area:

  1. Consider signing up for dental insurance and choosing an in-network dentist
  2. Look for an in-house dental membership plan if you don’t have insurance
  3. Ask about third-party financing
  4. Maintain regular dental visits (at least once every six months)
  5. Choose a dentist who can help you in a crisis and don’t delay getting care

At Night & Day Dental, we want you to have accessible, affordable, and enjoyable dentistry.

That’s why we offer all the conveniences above and more, including:

  • A full range of services under one roof, minimizing the need for referrals
  • Modern technology for longer-lasting, done-right-the-first-time procedures
  • CEREC same-day crowns to fix your tooth in one appointment (available at certain locations)
  • Multiple locations throughout North Carolina, so you don’t have to drive far
  • Children’s dentistry, making scheduling appointments and payments easy

Contact your nearest Night & Day Dental today!

Call Your Nearest Night & Day Dental

Night & Day Dental has offices throughout North Carolina and serves countless communities, including Cary… This text opens a new tab to the Cary location on Google…, Chapel Hill, Charlotte… This text opens a new tab to the Charlotte location on Google…, Clayton… This text opens a new tab to the Clayton location on Google…, Concord… This text opens a new tab to the Concord location on Google…, Cornelius… This text opens a new tab to the Cornelius location on Google…, Durham… This text opens a new tab to the Durham location on Google…, Harrisburg, Holly Springs… This text opens a new tab to the Holly Springs location on Google…, Huntersville, Raleigh… This text opens a new tab to the Raleigh location on Google…, Triangle Area, and Steele Creek… This text opens a new tab to the Steele Creek location on Google….