Financing Cosmetic Dentist Visits

While there are some basic treatments, which can be performed at home without a huge hit to the wallet, the vast majority of procedures come with a price tag guaranteed to make even the most hardened patient whimper. Additionally, many of these procedures are not covered by typical health insurance plans, and thus, patients must find other ways to pony up the dough. But if you’re intent on paying a visit to your local cosmetic dentist, there are a few ways to obtain financing. In this article, we will offer up a few helpful tips to help you achieve the bright, beautiful smile you’ve always wanted.

Step 1 – If you happen to have a dental insurance policy, contact your provider to find out which, if any, dental services can be covered. Having a general idea of the bill you will be incurring beforehand will help you plan out the steps toward financing your dental work. Before your appointment, ask your oral health physician for a print out of the treatment plan and the cost associated with each individual procedure. Services that may be covered include, x-rays, cleanings and other common procedures.

Step 2 – Find out whether your dental provider offers in-house financing. If they do, the office will likely refer you to a financial manager who will speak with you in regard to helping you understand the specific terms and conditions. Keep in mind that while some of these plans do not require a down payment, that they may bear a higher rate of interest than you’re a finance plan found at a bank. Be sure to read all the fine print before signing anything.

Step 3 – Additionally, you can apply directly to a reputable health care finance company. This can be done online or over the phone and will generally only take a few minutes.

Step 4 – Be aware that the process of applying for cosmetic dentistry financing is very similar to that of a credit card. You will be required to submit various forms of identification, such as your social security number, references, account numbers, yearly earning statements and employment information. Depending on your credit, you may also require a co-signer.

Step 5 – If the first lender doesn’t cover the entire cost of the work you are looking to have done, there’s no hard in applying to a second lender. You may even look into a third. Don’t allow yourself to become discouraged if you don’t get exactly what you want the first time around. Loan approvals require work and perseverance in order to obtain the best possible deal.

Step 6 – Once again, be sure to read any fine print. What may seem like a wonderful loan, can end up costing you an arm and a leg down the road. Interest rates can ultimately amount to more than the loan itself, over time. Set out a plan on how you will repay the loan, and make sure you’re comfortable with the extra monthly expenses before making a commitment.