Care Credit For Dental Work – Many people have a hard time finding room in their budget for regular dental checkups, let alone paying for other expensive procedures or dental emergencies. But dental problems do not go away on their own. Left untreated, they’re bound to get worse, causing more pain…and costing more money.
CareCredit is a financial tool to consider. This is a healthcare credit card that can be used for medical and dental needs. This can give card users the financial freedom to seek dental services when they need or want them instead of waiting.
Care Credit For Dental Work
Even generous dental insurance plans may fall short of covering everything. Policyholders may have a deductible to meet each year before coverage begins, or a co-payment may be required at each office visit. After that, it can still only pay for a percentage of the total bill. With expensive dental work, such as root canals or treatment of periodontal disease, the patient portion can be difficult to manage. Add multiple visits or additional family members, and the costs add up quickly.
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Also, insurance companies typically deny coverage for elective dental procedures. Unless the insurance company decides they are medically necessary, for example, things like dental bonding, veneers, or teeth straightening will be the sole responsibility of the patient. They may cover the cost of a crown if the tooth needs to be saved, but they may limit the type of material they pay for.
If a patient wants to have anything done that is purely cosmetic, they must find a way to pay for it themselves. Treatments such as teeth whitening or veneers applied for tooth coverage (instead of fixing a chip or crack) are not covered by insurance.
CareCredit was created to help patients pay for dental work that is not covered by insurance. It has been around since 1987 and is offered by Synchrony.
CareCredit is a credit card accepted at 240,000+ locations in the CareCredit network. In addition to dental procedures, cardholders can also pay for medical treatments, vision and hearing care, dermatology, cosmetic surgery and veterinary care.
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Cardholders can enjoy no interest on purchases of $200 or more if paid in full within 6 months. Providers may offer no interest if paid in full on purchases of $200 or more within 12, 18, or 24 months. As long as cardholders make the minimum monthly payment and pay off the promotional purchase in full by the end of that period, they will not incur any interest.
For purchases of $1000 or more, you can offer special financing to repay the amount with a reduced APR for 24, 36, 48, or 60 months.
There are basic requirements that applicants must meet in order to be approved for CareCredit. They must be at least 18 years old to apply. Like most credit card companies, CareCredit will run a credit check. Applicants will receive an instant credit decision.
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CareCredit prides itself on providing applicants with fast responses and access to services. If approved, patients can pay for dental treatment on the same day using their credit card account. Some dental practices that accept CareCredit have the ability to help applicants apply onsite.
Dental Care Financing Plans
CareCredit allows patients to pay dentists for out-of-pocket expenses. This could be their deductible or co-pay amount, the portion of the bill that insurance doesn’t cover, or for cosmetic procedures that their insurance policy doesn’t cover. They have a full list of services on their website.
CareCredit is accepted by more than 240,000 providers and health-focused retail locations, many of which include dentists and orthodontists. When you use the Dental Health Society’s search tool to find professionals near you, you can ask if they accept CareCredit when setting up your appointment.
Cardholders can also take advantage of CareCredit’s custom phone app, which allows them to access their account information and a means for contactless payments – very useful with office restrictions due to the coronavirus (COVID-19) as well as the growing popularity of teledentistry. . Cardholders can pay providers in the CareCredit network using the app.
As with any financial commitment, it’s important to understand the CareCredit card account agreement. It can be a good tool to pay over time for expensive dental services. But if cardholders don’t make the minimum monthly payments on time, it can cost more than expected.
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There are other options that patients may be able to take advantage of besides CareCredit, and it’s always a good idea to shop around. Many dentists offer their own payment plans, or sometimes coupons or special prices. And in some cases, a general-purpose credit card may offer a better rate. But if an applicant wants to take advantage of financing options with monthly payments if approved, CareCredit could be the answer.
CareCredit offers a way to get needed dental work with minimal monthly payments, making it easy on the budget. Many cardholders like the fact that they can choose to use it only for their dental and medical needs. This keeps their spending focused while reserving general purpose credit cards for other expenses.
Cardholders are required to ensure that they pay the minimum monthly payments within the promotional period and deferred interest promotions (ie: no interest if paid in full within 6, 12, 18, or 24 months). Otherwise, interest will be charged to the account from the date of purchase if the promotional purchase is not paid in full within the promotional period.
There is a definite benefit to addressing dental problems as soon as possible. A cavity may become an abscess and eventually require a root canal procedure rather than just a filling. Swollen gums can lead to gingivitis and periodontal disease. Care and budgeting are more manageable when problems are addressed early.
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Still, many people need help fitting preventive dental care and restorative procedures into the budget. CareCredit is an option that can make paying for dental treatment easier.
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Health insurance is an obvious concern for most expectant mothers, and it comes naturally when needed…At Giant Dental in Newton, MA, we understand that dental care can be a sudden and unexpected expense, even with good teeth. Insurance. For this reason we have several financing options that you can take advantage of. Call us if you would like more information on our financing and payment options! We’ll be happy to go into the details and help you choose a plan that works for your specific financial situation. (617) 658-7883
Applying for CareCredit is very simple, and they offer instant approval with a card you can use the same day. For more than 20 years, CareCredit has helped more than 5 million cardholders get the health care they want and need.
What is CareCredit? CareCredit is a healthcare credit card designed for the health and well-being of you, your entire family and your pets. Use it to pay for out-of-pocket expenses not covered by medical insurance, and special financing options are available that you can’t get with other cards.
To learn more about the financing options available at Vast Dental in Newton, MA or to book your next dentist visit, call us at (617) 658-7883. We look forward to working with you and providing excellent, affordable dental care. You are leaving now. Please note that you are not controlled by the site you are visiting, you will be subject to the terms of use and privacy policy of the website you are visiting.
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