Understanding Dental Financing Options

Maintaining excellent oral health is essential to our wellness, but it can also dent one’s finances, especially when major procedures and treatments are involved. While putting off dental care and needed dental work due to financial constraints may seem practical, you need to understand that preventative care is still more cost-effective.

To ensure that your teeth and mouth are looked after, no matter your financial situation, you can take advantage of financing programs offered by lenders and dental care providers. Here’s a list of some of the most common options available:

In-House Payment Plan
In general, this type of financing allows you to break up the total cost of your bill into more affordable monthly payments and avoid a hefty one-time payment. Dental offices and centers have specific terms for their in-house financing, so check with your provider to know if this is right for you.

Third-Party Financing
There are various lenders offering flexible financing options for dental expenses. In a nutshell, these are personal loans that you will repay over a set number of months, with interest charged on the borrowed amount. Some also offer terms where your repayment is interest-free. Most of these loans are subject to credit approval since the lenders look at your credit scores to determine eligibility.

Health Savings Account (HSA)
An HSA is a type of personal account that you can set up to allocate a fixed amount for certain healthcare costs. You can use it to pay for a variety of dental services and orthodontic procedures.

Medical or Dental Credit Cards
Like a regular credit card, you use this to pay for your dental expenses. Just make sure that you are able to settle your monthly balance in full to avoid accruing high interest rates and other charges.

Dental Membership Plan
This is a program that promotes preventative dental care, allowing patients to manage their spending for routine check-ups and spread out their payments over the entire year. A membership plan makes it easier for individuals to get the care they need without worrying about their finances.

Apply for Easy Financing Options in Northern Indiana
Don’t let finances stop you from looking after your mouth and teeth. Everyone deserves quality oral health care, and you can get it by utilizing dental financing. To schedule a consultation and learn more about our financing options, reach out to Aegis Dental Group today.

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