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....
- Citi Health Card is a program that offers dental financing with a variety of flexible payment options. The have some no interest payment options, options that are for certain periods of time and a revolving card option with no minimum expense. According to their website, they have a quick approval process! If you have a need for an immediate procedure and are low on funds, this one may be the one to try.
Unfortunately, there are many who may not qualify for financing. Don't give up! Many dental providers are now offering in-house financing options for people with no insurance, or who might need a little help with funding for an expensive treatment plan. Additionally, dental school clinics are a consideration, as they can perform most procedures at discounted fees and all work is done under supervised conditions.
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