Top Tips for Financing Your Dental Health

Financing Your Dental Health

A beautiful smile can open doors and boost your confidence. But good dental care is about so much more than looks, it’s also important for your overall health. But quality dental care can be expensive, especially when we run into trouble with our teeth or gums. A cracked tooth, a cavity, or oral surgery can really throw a wrench into your family budget. Cosmetic dentistry, dental crowns, and dental implants are all common procedures that can be costly. That’s why we work closely with you to make sure you can pay for your dental health and wellness without breaking the bank.

Commonly Financed Dental Health & Wellness Procedures

  • Dental implants
  • Cosmetic dentistry
  • Dental crowns
  • Dental implants
  • Cerec crown
  • Cerec dental
  • CBCT dental,
  • Long term dental health and wellness

You have a number of good options when it comes to financing your dental care. Here, we will discuss your options so that you can easily finance dental care for you and your family.

Payment Plans

Dental payment plans are a common way for people to finance their dental work. Not many people can afford to pay every dental procedure off all in one payment, so dental payment plans have become standard practice by many dental professionals. By setting up a payment plan with your family dentist, you can arrive at a payment schedule that works for you and ensures that your dental care will be taken care of well into the future.

The advantage of a dental payment plan is, unlike a credit card or loan, nothing will be reported to the credit agencies unless you default on your loan – in which case your debt can be sent to a collection agency. Best of all, if you have a good relationship with your dentist, you may be able to work out a payment plan even if you don’t have amazing credit. Dental payment plans usually come with little to no interest, since your dentist is only looking to help you afford the care you need.

Dental Credit Cards

Dental credit cards are another popular option. While not as flexible as a payment plan that you work out with your dental care provider, dental credit cards still have benefits that you won’t get with a traditional loan or ordinary credit card.

Rather than paying off your dental care a little bit at a time, your dental care provider’s administrative office will help you submit a credit application to a financial lender. If your application is approved, you will receive a credit card that can be used to pay your dental bills. Payments on dental credit cards are typically very low, at around 2 to 3% of your total bill plus a monthly fee of less than $20.

These kinds of arrangements are easy to pay for, even on a very tight budget, while they do cost more in the long run, the easy payments help a lot of people pay for the care they would not be able to afford otherwise. Another advantage is that these types of cards are more likely to be approved than a standard loan since payments are small and because your dental office advocates for you during the application process.

Bad Credit Loans

Another option for those with poor credit is a bad credit loan. These come with higher premiums, but they can be useful for repairing credit while you pay off your dental expenses. Some bad credit loan providers have earned a reputation as predatory lenders. Steer clear of lenders that offer loans with no credit checks. Research your potential bad credit lender. They should be recognized by the BBB, and have good ratings from previous customers.

Other Options

Buying dental insurance is always a smart move for paying off long term dental care. Of course, your best insurance is taking good care of your oral health by brushing, flossing, and having regular checkups with your family dental practitioner.

Here at Bonham Dental Arts in Largo, FL- we work closely with all of our valued patients to ensure your quality dental care is both affordable and effective. If you have questions about financing your dental care, visit us online today. Our friendly staff is ready to answer all of your important questions.