Despite needing certain dental treatments, you may find it hard to come up with the necessary funds, especially if you don’t have any dental insurance coverage. Whether you need a cleaning or crown, the cost of dental care can make it seem out of reach, but many practices offer options that make care more affordable. When you need to cover the costs of dental work, here are some options you might not know about that can help dentistry fit easily into your budget.
Third-Party Financing Options
When you have to complete a treatment that isn’t covered by your dental plan, costs more than what your dental insurance covers, or you lack dental insurance to begin with, third-party financing is a great place to start. Not only can this help you pay for dental services over the course of several months, but you can often expect little to zero interest attached to these plans! . In many cases, you can pay for treatments over 6, 12, 18, or 24 months depending on the size of the bill.
With most third-party financing options, you’ll need to confirm your credit before you can sign up. Dental offices are happy to walk you through this process.
In-House Dental Savings Plans
Alternatively, dental offices are making an effort to include in-house dental memberships that provide guaranteed savings and flat rates to patients who sign up. In most cases, they ensure a specific set of treatments in exchange for a monthly or annual fee. A few of these services include:
- Cleanings (two per year)
- Exams (two per year)
- Fluoride varnishes (two per year)
- X-rays (if needed)
On top of that, in-house memberships do not come with the many pitfalls that accompany traditional dental insurance. While this can vary depending on the practice you visit, many in-house savings plans have:
- No annual maximums
- No deductibles to meet
- No waiting periods (meaning you can start your treatments right away)
- No missing tooth clauses
- No complicated reimbursement processes
- No need to speak with an insurance agent
At the end of the day, in-house savings plans make it easier to save money on care, specifically the services that you’ll likely need most to maintain long-term oral health. To find out for sure if a dentist in Lakewood offers an in-house savings plan or third-party financing option, give them a call!
About the Author
Dr. Vincenzo Artino has always been passionate about helping others since he was very young. That’s why he not only provides exceptional dental services, but does so in a way that’s affordable. While he’s happy to accept dental insurance, his practice also offers both third-party financing and an in-house dental savings plan, giving patients multiple options worth considering. To learn more about how he can make your dental visits more affordable, you can contact him through his website.