Dental treatment can be expensive especially if you are not covered by insurance. Dental payment plans help in spreading the treatment cost to make it more affordable. You may not have enough money to pay up the front bill. Visiting a dentist regularly can head off problems especially the cost. Before scheduling an appointment with your dentist, ask the different payment procedures.
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Payment plans you can consider:
Dentist discount plans
Your dentist may offer a 5-10% discount if you pay full-up front treatment. Even if you can’t afford the full amount, you can negotiate an inhouse payment plan. A long term patient with a good history can pay a third of the cost up-front with the balance spreading over the next one year. Some dentists offer an interest-free payment plan for 12 months. Beyond 12 months, they may opt to charge some interest. It’s different from dental insurance in that there are no deductibles or co-insurance. The only downside of this plan is that you are limited to the dentist in your location. In addition, manufacturers of certain brands may have a special arrangement with certain dentists.
Get financing from a third-party finance company
It’s not a type of insurance but a way of spreading the cost of your treatment. Many dentists have arrangements with particular companies that you can choose to finance your treatment. You will borrow the funds and then make monthly repayments.
Dental insurance
This is considered as the best way to pay your dentist. However, some dental procedures like cosmetic work and teeth whitening are not covered by insurance. Insurance plans are subjected to annual and lifetime limits.
Plan your treatment carefully
This mostly involves carrying out the urgent procedures and then you complete the less essential work later.
Shop around dentists near you
The cost varies from one dentist to another. This mostly depends on experience, location, and other business overheads.
