When you visit the dentist, you likely have the work covered by your insurance, probably with a reasonable copay. However, when you learn that you’re in need of cosmetic dentistry procedures, concerns about payment can come into fruition. Understanding the various pathways to payment can assist in alleviating concerns about this issue.
1. Insurance Coverage
Don’t immediately assume that your insurance won’t cover part or all of the costs associated with your cosmetic dentistry procedure. The first step is to inquire about the possibility of payment coverage. Having an elective procedure, as opposed to a necessary one, may reduce the odds that your insurance will pay. Even if you aren’t currently having cosmetic dentistry procedures now, you can start investigating insurance plans for the future.
2. Credit Card
When you discover that you’ll have a hefty bill to deal with, putting the total on a credit card is a possibility. What you might want to do is to look into a new credit card that has low-interest rates. You may even discover some credit cards that don’t charge interest for a period of time at the beginning. Consider a credit card that comes with cash-back rewards as well. After you have paid for the procedure, you can take the rewards and put the money toward paying off the bill.
3. Personal Loan
The thought of going to a bank and sitting down with a staff member to discuss your personal financial situation might seem jarring. Fortunately, no need exists to endure this process. Instead, you can apply for a personal loan online. Of course, you should look for loans that come with low interest rates so that you aren’t causing yourself to pay more money overall.
4. Payment Plans
Another option is to speak with a representative at the dental practice to find out if payment plans are available. You may learn that providing a down payment and then paying off the rest of the treatment over the course of a number of months is a possibility. Keep in mind that not all practices offer this possibility, so this factor is one you may wish to consider when choosing a dentist.
Cosmetic dentistry in Scottsdale is sometimes necessary and sometimes desired. The category into which your procedure falls can play a role in how you’ll pay for it. Keep in mind that you don’t need to give up if the procedure initially seems too expensive. Instead, explore other options.