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Paying for Your Dental Care

April 15, 2016|  
how to pay for dental care
Creative commons image by Tax Credits (Flickr) wnder

When it comes to getting dental treatments completed, some patients find it difficult to find room in their budgets, particularly for bigger and more expensive procedures. Since having your teeth taken care of is a large factor in whether you will keep those teeth for a long time, however, it makes sense to look into ways to make dental care doable in terms of your finances. Here are some ways that you might consider paying for your dental care.

Maximize Your Insurance Benefits

Depending on the type of dental insurance you have, procedures could be covered at 100 percent, not at all, or absolutely anywhere in between. The key is understanding your plan. The HR department at your place of employment can help you understand exactly what you are getting. You can also call the insurance company, or ask a member of our front desk staff, though there are many dental plans and we don’t know the intricacies of every one of them.

Sending in a pre-authorization form prior to non-urgent treatment is a good way for you to understand what your insurance should pay. We can also give you the dental codes and you can call to find out what is covered. Knowing ahead of time what portion of the bill you will be responsible for will help you budget.

Dental Credit Cards

While many patients elect to charge their dental work on their credit cards, an increasingly popular option is to use a credit card that is designed to cover dental work (or health care in general). One such card is called CareCredit, which is able to be used at dental offices, veterinary offices, eye care centers and a few other types of healthcare providers. While they sometimes have high interest rates after a certain period of time has elapsed, the draw is that they often offer 3, 6 or 12 months interest-free. This means that you can space out your payments without paying any interest, which is a great deal!

Talk to Your Dentist

If, after checking your finances, you determine that you are simply not going to be able to pay for a procedure, talk to your dentist about whether there are lower-cost alternatives available. For example, if you cannot afford everything on your treatment plan, ask your dentist to start with the most vital procedures, even if that means putting off non-urgent matters. Get at least some of your work done to improve your overall oral health.

Talk to the front desk staff about how payments are handled before getting your dental care completed, so you understand what you are responsible for and when. Keeping the lines of communication open can help you anticipate dental-related expenses in advance and allow you to budget.

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