How to Make Dental Care More Affordable
Finding affordable dental services can be daunting for anyone. Job changes, retirement, or other life circumstances can often result in the loss of dental insurance and that means paying for dental care fully in cash. In addition, those with dental insurance often find their policies are limited and only cover certain services and therefore, require the remaining portions to be paid by the patient. Even the most diligent brushers and flossers can end up with a chipped tooth or other necessary dental treatment, and so knowing how to find affordable dental care is important.
Some offices now offer in-house dental savings plans which are designed to assist those patients paying in full for their care by providing significant discounts. The best plans typically work like a Costco membership, in which a set fee is paid in exchange for discounts on virtually all services. I often recommend that patients utilize the savings plan option and complete all of their necessary dental treatment within the time frame offered by the plan. I then suggest that they stop subscribing to the plan and just pay directly for routine preventative care such as exams and cleanings as most offices offer low special rates for these services.
In addition, because dentistry is an investment in your long-term oral health, some offices offer financing options that can make paying for dental care much easier. Whether you are utilizing insurance or paying for your treatment fully out-of-pocket, financing options through companies such as Care Credit and Lending Club can assist with your costs. These programs offer 0% interest financing and allow you to have set monthly payments that fit your budget. Most patients find that qualifying for these financing options is easier than they thought!
It is possible to have high quality dental care that is affordable! Whether you have insurance or are a cash patient, seek out offices that offer these savings and financing options that will make reaching your oral health goals much more achievable!