PennWell Dental Community
While it’s almost certain that the last thing you want to do with your time and money is figuring out how you’re going to pay for dental care, knowing that there are dental financing options that can make your life a whole lot easier when you need it can be quite the relief. Who wants to panic and worry about their dental health when there’s a sale at Costco? Since your oral health treatments will be much more affordable through the following dental financing options, you can treat yourself to that giant Nutella container on sale, no problem!
Say “woot-woot” if you love patient financing!
Okay, so maybe you don’t know enough about it to really appreciate it yet. No worries! Dentists use patient financing to make sure their patients can receive the care they need regardless of cost or their current financial situation. In fact, some third-party lenders don’t even check credit scores, so everyone can undergo whatever procedure they need to get that healthy, brilliant smile. It’s basically a credit line to be used specifically for dental care, with a time frame to pay the money back to the lender. Also, with this form of dental financing, there’s typically no down payment required. Woot-woot indeed!
CareCredit is essentially a healthcare credit card, covering out-of-pocket expenses not covered by medical or dental insurance. For short-term financing options, there are no interest charges if you make your low monthly payments by the dates they’re due. For long-term financing options, APR is reduced and you’ll have fixed monthly payments until the credit line is paid off in full. It also not only covers your own dental health needs but the needs of your family and even your pets!
If you need a procedure done now but don’t have the money to pay for it immediately, an in-house payment plan is the way to go. With this form of dental financing, sponsored by the dentist himself, you can undergo treatment immediately and simply pay it off over time. Sounds easy enough, right? Well, you typically also don’t need a credit check, the approval is usually instant, and the interest is only 10 percent. All you need is a picture ID, two forms of payment, and a social security number. Now that really is easy enough!
Not meaning to be a Debby Downer, but dental care can get expensive, and sometimes it’s just plain the wrong time to fork over big bucks when you’re already stretched financially. However, nobody should have to neglect their oral health needs. With dental financing options, anyone can receive the quality dental health care treatments they need without the worry of how they’ll be able to pay for it. With low monthly payments, zero credit checks, and caring, quality dentists, you can worry less about your oral health. Now, how about that Nutella sale at Costco…