Friday, June 18, 2010

Financing Your Dental Treatment Plan

Ok, so you've just been to the dentist and found out that you need thousands of dollars of restorative work. You have what we commonly refer to as "sticker shock". You know that you don't have that kind of money just laying around......Whether you are in need of restorative work or cosmetic dentistry, there are a variety of creative financing plans available to help. Dentistry is among the most expensive in healthcare, with costs rising even as the economy is failing. Here are some suggestions for those who are in need of major restorative work, but who cannot afford the out of pocket expense.
First of all, make sure you have good dental coverage (a good dental plan used in conjunction with your credit plan will go a long way toward lowering the costs, thereby making your money go farther.)
Here are some credit organizations to consider:

  • Care Credit Healthcare Plan is a financing company that is offered by GE Money Company. It offers financing for personal healthcare, i.e. dental, (cosmetic or restorative) vision care, surgical procedures, (and just FYI) there is financing available for pet care as well! This option does require that you qualify for a loan. Click here to read more....
  • Capital One Healthcare Finance offers financing for Dental, Vision, Cosmetic Surgery, Fertility and more. Again, this option requires that you qualify for financing. Read more....
  • All Care Financing is a program that offers dental financing with a variety of payment options. According to their website, they have high approval rates! If you think you may have a problem qualifying for a loan, this one may be the one to try. Here's the link....

Unfortunately, there are many who may not qualify for financing. Don't be discouraged. The options may be limited, but they are available if you are resourceful! There are still dentists out there who will arrange payment plans with a patient. Additionally, dental school clinics are a consideration, as they can perform most procedures at discounted fees and all work is done under supervised conditions.
Believe it or not, there is something out there for everyone in the way of affordable dental care!

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