<prompt> Human: Im recently starting to try to fix my teeth. The total cost is very expensive, about 10k. Frankly Im not surprised, growing up I had health issues that effected my teeth. Ive considered dental schools for reduced prices but theyre so far away its quite inconvenient.My insurance will pay about 50 with a annual benefit cap of 1,250. This is my dads insurance plan, Im 23 and will be on his plan until Im 26 so I plan on getting as much work done before then.Looking over the dental work my dentist recommends, to get the most out of my insurance benefit I would have the personal cost of roughly 1,200just for this year. I can also pay the full price of any work after the insurance runs out if I choose to prevent bigger problems developing. Im going to discuss with my dentist ways to lessen the cost, such as a different type of crown as these are the most costly itemsjust the crowns are nearly 4k!. This will not all occur at one time, the work will be spaced out over the rest of the year. What will be the best way to cover this 1,200? I have it in my emergency fund but Im considering other options. My only accounts on my credit report are my student loans and my credit card, Ive never missed a payment on either. Im considering a personal loan to build my credit. My dentist also works with something called CareCredit, which I dont know much about yet so Im wary of it. What Ive read online so far doesnt look promising.Theres also the consideration that my medical condition and the medication to treat it ruined my teeth. So perhaps I could get my medical insurance involved on some things.  <response>: Talk to your dentist. Dentists are first and foremost doctors and if you have a decent dentist heshe should work with you.Most of the time they will work out a payment plan with you and really help you to be able to afford to get the work done. CareCredit is an okay alternative but I would speak with the dentist first.The health of your mouth can really effect the health of the rest of your body. For example gingivitis and your gum health have direct relations to heart attack occurrences. 