Can’t Afford a Dental Bill? Consider These Alternative Payment Options
Most people would agree that dental care can be expensive, especially if you need restorative or aesthetic treatments from your Cincinnati provider. Do you have an unexpected dental bill that isn’t covered by your insurance? Many people lack adequate dental coverage, and most policies don’t cover all expenses, especially those related to cosmetic care.
It’s very common for patients to be left paying substantial dental bills out of pocket. Understandably, these costs can be challenging to afford, especially when they’re necessary.
Are you anticipating an expensive dental bill and don’t know what to do? You deserve to have the dental care you need. Our Blue Ash area dental office offers several options to assist you.
Payment Plans, Loans, or Credit Cards
You could discuss working out a payment plan with your dentist. Your local oral health provider may be able to accept payments over time, depending on your circumstances and credit history. It can be worth pursuing if you need a costly procedure like getting one or more implants.
You could also consider asking your bank for a personal loan. You might consider a credit card, especially one that has no interest for the first 6-12 months, giving you time to pay it off.
Advantages of CareCredit and Why You Should Be Cautious
Many Cincinnati dental practices accept CareCredit, a medical card that offers deferred interest for medical expenses. Approval rates for CareCredit are high, which is good news if you’re worried about your credit history. The card offers a high acceptance rate and provides quick access to funds for timely dental treatment.
The catch is that you need to pay off the card within the agreed-upon time frame before you start paying interest. If you fail to meet the time limit, the interest you deferred suddenly kicks in at a very high rate of up to 32.9%. This can make using CareCredit problematic if you won’t be able to pay it off quickly enough.
Try Our Dental Membership Plan: A Real Alternative
Paying for dental care with borrowed money can set you back financially. That’s why Beckham Square Family Dental is proud to offer an in-office Dental Membership Plan to help you stay on top of your family’s dental needs. It’s not dental insurance. Instead, you enroll in an option that’s personalized for you and your family. We have plans for adults and children billed annually. We also offer a periodontal plan for a monthly fee.
With a Dental Membership Plan, you’ll get a routine cleaning close to home every six months. You’ll also have access to fluoride treatments, cancer screenings, and many other benefits. Ask a provider at Beckham Square Family Dental for more information and to get registered before your next appointment.