The possibility of making payment arrangements would simply vary office by office.

From the dentist's standpoint (especially for someone they don't already know), they might feel that allowing payments places them in the position where there patient's problem has been solved leaving them little motivation to ultimately settle the bill.

On the other hand, if the benefits of your insurance coverage would cover a significant portion of the extraction cost, taking that risk in hopes of gaining a new patient (and hopefully providing future work for them) might be worth it to them.

Clinics in your area set up to assist persons with lower incomes might be more amenable to a payment arrangement.

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