Referrals – Ask if your dentist gives a discount for referrals. If you send in your friends and neighbors, will the office give you a break on your bill? Installments – Ask your dentist if s/he would be willing to allow you to pay for treatments in installments or maybe multiple procedures can be performed in stages over a period of weeks or months. This option does not save actual money; however, it will enable you to pay on a schedule that is easier on your budget. Second Opinions - Seek s.