How To Apply For Dental Care Credit – Many people find it difficult to find room in their budget for routine dental checkups, let alone pay for other expensive procedures or a dental emergency. But dental problems don’t go away on their own. If left untreated, they will undoubtedly get worse, cause more pain…and cost more money.
CareCredit is a financial tool to consider. It is a healthcare credit card that can be used for medical and dental needs. It can give card users the financial freedom to get dental services when they need or want them instead of having to wait.
How To Apply For Dental Care Credit
Even generous dental insurance policies can’t cover everything. Policyholders may have a deductible that they must pay each year before coverage kicks in, or a co-payment may be requested at each office visit. After that, it is still only allowed to pay a percentage of the total bill. With expensive dental work such as a root canal or periodontitis treatment, the patient’s part can be difficult to manage. Add up multiple visits or additional family members and the costs quickly add up.
Dental And Denture Clinic
Also, insurance companies typically deny coverage for elective dental procedures. For example, unless the insurance company decides they are medically necessary, things like dental bonding, veneers, or straightening teeth are entirely the responsibility of the patient. They can cover the cost of a crown if it’s needed to save a tooth, but can limit what type of material they pay for.
If a patient wants something done that is purely cosmetic, he will have to find a way to pay for it himself. Treatments such as teeth whitening or applying veneers to cover stains (instead of repairing a chip or crack) are almost never covered by insurance.
CareCredit was created to help patients pay for dental work 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 pay for medical treatments, vision and hearing care, dermatology, cosmetic surgery, and even veterinary care.
Financial & Insurance Options
Cardholders can take advantage of No Interest if paid in full within 6 months on purchases of $200 or more. Providers also cannot offer interest if paid in full within 12, 18, or 24 months on purchases of $200 or more. As long as cardholders make minimum monthly payments and pay for the promotional purchase in full before the end of that time, no interest will be charged.
For purchases of $1000 or more, you can offer special financing to pay back the amount, with reduced APR for 24, 36, 48 or even 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 perform a credit check. Applicants immediately receive a credit decision.
CareCredit prides itself on giving applicants quick answers and access to services. If approved, patients can use their credit card account to pay for dental treatments on the same day. Some dental offices that accept with CareCredit have the option to assist applicants on the spot with the application.
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With CareCredit, patients can pay the dentist in cash. This could be their deductible or co-payment, the part of a bill that insurance doesn’t cover, or for cosmetic procedures that their insurance policy doesn’t cover at all. Their website has a full list of services.
CareCredit is accepted by more than 240,000 providers and health-focused retail locations, many of whom are 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 you make your appointment.
Cardholders can also take advantage of CareCredit’s bespoke phone app, which gives them access to their account details and a way to pay contactless – something that’s very useful with office restrictions due to the Coronavirus (COVID-19) and the increased popularity of teledentistry. Cardholders can use the App to pay a provider in the CareCredit network.
As with any financial obligation, it is important to understand the CareCredit Card Account Agreement. It can be a good tool to pay for expensive dental services over time. But if cardholders fail to make minimum monthly payments on time, it could cost more than expected.
Financing/insurance — Miramichi Smiles
In addition to CareCredit, there are other options that patients may be able to take advantage of, and it’s always a good idea to shop around. Many dentists offer their own payment plans, or occasionally coupons or special pricing. And in some cases, a general purpose credit card can offer a better rate. But if an applicant who has been approved wants to take advantage of financing options with monthly payments, CareCredit could be the answer.
CareCredit offers a way to get necessary dental work with a minimal monthly payment, making it easy to budget for. Many cardholders like 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 spending.
Cardholders must ensure they make minimum monthly payments and pay off interest deferred promotions (ie: no interest if paid in full within 6, 12, 18 or 24 months) within the promotional period. Otherwise interest will be charged from the date of purchase if the promotional purchase is not paid in full within the promotional period.
There is a clear benefit to getting dental problems fixed as soon as possible. A cavity can turn into an abscess and eventually require a root canal instead of just a filling. Inflamed gums can lead to gingivitis and periodontitis. Care and budgeting are more manageable if problems are addressed earlier.
Are Dental Credit Cards A Good Idea?
Still, many people need help fitting preventive dental care and restorative procedures into their budgets. CareCredit is an option that can make paying for dental treatment easier.
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Health insurance is an obvious concern for most mothers-to-be, and it just pops up when they need it… At Jackson Square Dental Center, we provide compassionate dental care in Hamilton, Ontario. When you choose us for your dental needs, you can rest assured that you will receive exceptional service from our talented team.
We strive to make it easy for you to pay for your dental care. We accept most insurance policies. If you are unsure about your dental coverage, or would like an estimate before starting treatment, ask us! We’re here to help. Our friendly front office team processes all insurance claims electronically, usually resulting in prompt reimbursements from your insurance company. Below are the optional payment methods we accept if you need to pay out of pocket. Payment of any balance not covered by your insurance is required at the time of each service or appointment.
We also offer flexible payment plans for treatment plans that include braces, orthodontics and some cosmetic dentistry. Please contact a member of our team for more information about your specific treatment plan.
Our program gives you direct access to an optimal and complete treatment plan without having to go to a financial institution. From just $300, you can spread your dental care payments over several months. Depending on your situation, you can benefit from full or partial financing.
Guide To Paying For Dental Care With A Credit Card
Since 1999, DentoPlan has been offering their financing program designed exclusively for dental care. Get partial or 100% financing without going anywhere: your dental clinic takes care of all administrative procedures. It’s simple and flexible; you can repay all or part of your loan at any time, without penalty. Find a provider that specializes in the treatments or procedures you’re looking for, or check to see if your retailer already accepts it.
Please note: payment with FSA/HSA or credit card is not possible. Payments are also not accepted directly at your provider’s office.
If you believe you may be late for payment, please call us before the due date at (866) 893-7867 as we may be able to offer you choices that meet your needs.
Account statements are not sent until you make your first purchase with your card. Once a charge has been processed, you will receive your first statement within 30 days. If your statement is overdue, please call us at (866) 893-7864 to verify that your statement has been sent to the correct address.
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Your balance may not be paid off at the end of the promotional period if you make the minimum payment each month.
The mobile app allows you to access your digital card, pay your bill, find registered carriers and companies that offer , set up alerts and pay your carrier bill.
As a valued cardholder
