subject: Paying For A Cosmetic Dentist [print this page] A cosmetic dentist is a professional who can help you to get rid of the problems you feel need attention. These professionals do not deal with just the oral health of an individual, though some do both types of treatment. Rather, they focus on improving the aesthetics of the smile. This means improving concerns with the alignment, spacing, and coloring of the teeth. As a result, most dental insurance plans do not provide coverage for these types of procedures. Because they are seen as elective rather than a procedure mandated by health, you may not have any coverage for the procedure at all. If you want to have these treatments done but you do not have insurance, how can you pay for them?
Dental Loans
One option available is to request a loan from the cosmetic dentist. There are actually two options available through most providers. In some cases, the dentist's office or practice will allow patients to pay for these services over a period of time. This type of in-house payment option is often the most affordable solution especially if the provider allows you to choose the minimum payment required.
A second option offered by some dentists is the use of a third-party lender that is affiliated with the dental care practice. These providers will work with the individual to establish a payment plan for the service. They pay for the services you receive and you pay the lender back over a period of time. Interest is applied and there could be fees associated with obtaining and maintaining the loan.
Financing Isn't an Option?
In some cases, you simply cannot get a loan. What can you do then? You could use your existing credit cards or pay cash for the services. Some dental practices will also allow you to pre-pay for the services you would like to have in advance of getting the service. For example, if you want services of $1000, the dentist will accept payments from you for a few months and put the funds into a holding account. Then, once you accumulate the full amount required to pay for your procedure, you can go ahead with it. This helps individuals who have trouble budgeting for themselves.
The bottom line is that a cosmetic dentist will work with you in many cases. Some will even offer a discount on the services if you refer new clients to them. Do take the time to find a dental care provider you trust and that does good work. Do not just look for one with affordable payment plans. Ultimately, this is your smile you are considering repairing, and you want it to look great. For those who are ready to make a change, paying for it does not have to be too hard to do.
