Three Ways To Pay For Cosmetic Dentistry

Posted on: 31 January 2017

Cosmetic dentistry is sometimes necessary for proper dental hygiene and improved quality of life. However, sometimes a dental insurance company declines to pay for these services, deeming them to be not medically necessary. When this happens, it is not the end of the road for the patient. There are always other sources of funding to get the cosmetic dental services that are needed. These services will help improve the patient's quality of life, increase self-esteem, improve dental hygiene, and reduce discomfort. The following tips can help patients get the dental services they desire without worrying about how to pay for these services.

In-House Credit

Many cosmetic dentistry providers offer in-house financing services, whether on credit or through a third-party provider. These services have varying interest rates; however, the interest rate pales in comparison to the benefits of obtaining cosmetic dentistry services. When you attend your initial consultation with your dentist to discuss the services you need and what the cost will be, you can inquire as to what in-house financing services are available, if any.

Third-Party Dental Credit Providers

If your dentist does not offer in-house financing services, there are other options. A quick online search will yield several reputable companies that provide financing services for medical and dental procedures. These financing options may come in the form of a charge card—you should ensure that your dentist accepts the medical and dental charge card you are considering before you opt to obtain services. Financing may come in the form of a loan that is paid directly to you, so you can then use the funds as cash to pay your dentist. With both options, you make payments on the total owed each month until you pay off both the principal and the interest.

HSA - Health Savings Account

A third option is to use your HSA to reimburse you for dental costs. This requires you to pay for services rendered by your dentist out of your own pocket at the time of treatment. You then turn in your payment receipts and treatment records to your HSA administrator for reimbursement to your bank account. If your dentist allows, you can also have your HSA pay your dentist directly so you won't have to pay out-of-pocket at the time of treatment. This method also gives you great tax savings which will save you even more money on the cost of your treatment.