Financing Dental Work: What You Should Know

Financing Dental Work: What You Should Know

Team General Dentistry

Dental work is vital to maintaining not only your oral health, but also your overall physical health. Left untreated, dental disease raises your risk for stroke, heart disease, and other serious illnesses, as well as increasing the likelihood of tooth loss and painful abscesses. Yet dental care can be costly, and dental insurance lags far behind medical insurance in coverage. Fortunately, there are ways to finance your dental work, breaking up the bills into payments you can manage.

Treatment Plan

The first step is to create a detailed treatment plan. We will provide you with a full cost breakdown of all recommended work, allowing you to understand what your obligations will be before work begins.

Timing Issues

It is always best to treat dental problems as soon as possible, but they can be prioritized. For example, an infection that is causing pain and swelling should be treated right away, while replacing a tooth that has been missing for awhile can wait. We are happy to prioritize your treatments to spread out your financial burden.

We can also break up multi-stage treatments, such as dental implants, in a way that maximizes your insurance coverage. For example, we could extract your failing teeth at the end of your insurance year, and then place your implants a few weeks later, after your insurance year rolls over.

Consider Credit Cards

If you have good credit and the ability to pay off your bills before the introductory period expires, a zero-interest credit card can be an excellent way to finance your dental work. You may even qualify for a rewards card that lets you earn points or cash back on your charges.

Medical Financing

Care Credit and similar companies offer financing for medical and dental work. It is reasonably easy to qualify for relatively high levels of credit, making this a great choice for those with marginal credit scores or who need a lot of work done. If you need a significant amount of work, you may qualify for a zero-interest promotion for 12 to 24 months. Just be sure to pay off your balance within the promotional period, as the regular interest rates can be quite high.

Dental work is crucial to your oral and physical health, so it is important not to put it off. If costs are a concern, just let us know. We will work hard to find a treatment plan and financing options that fit into your budget.

Ready to Get Started?

Now in our second generation of family ownership, McDonald Family Dentistry provides a full line of general, restorative, pediatric, and cosmetic dental services. Contact us today at 408-779-9335 to schedule your first appointment.