What is health care financing for dental treatment?
Dental treatment is very expensive and many people can’t afford to pay for all their treatment upfront. Benefits of healthcare financing are very pronounced for dental treatment due to its high costs. With healthcare financing you have the option to receive your treatment up front while gradually paying for it over the course of next few months or years.
Essentially, healthcare financing is a credit card which can be used for receiving medical and dental care. You financing can also be extended for use at physicians, chiropractors, optometrists as well as other healthcare professionals. There are several popular companies which offer healthcare financing which include:
What are scenarios where healthcare financing is useful?
After a long hiatus, you finally decided that it’s time to go back to the dentist. Maybe you are feeling pain or needed a good cleaning or figured you have broken teeth and cavities that need fixing. You had an idea that there may be things wrong with your mouth but boy were you in for a surprise.
After taking X-rays and performing your check up, your dentist tells you about a whole bunch of work that your mouth needs. You are told about all these things that your mouth needs including deep cleaning, cavities, root canals, extractions or even dental implants. Fixing your teeth sounds wonderful and all, but how much is this all going to cost you? Affording thousands in treatment you hadn’t been planning for in advance sounds quite overwhelming. But of course your dentist and the staff have the perfection solution for you: Healthcare financing.
The office treatment coordinator tells you about the benefits of healthcare financing and suggest to get you approved for it. They promise that you can start your treatment right away if you qualify while making monthly payments to slowly pay it off. Sure, paying $100 a month sounds much more affordable than having to pay $5,000 upfront. So what should be your next step and should you proceed with the financing or not? Here are some benefits of healthcare financing to help you better make your decision:
What are the benefits of healthcare financing for dental treatment?
There are many benefits to healthcare financing when used in the right circumstances. Waiting to get dental insurance rarely works since most dental insurances are limiting in what you can and can’t get done. Paying for treatment directly as you go doesn’t work as well either since dentists don’t like to risk dealing with payment plans that much. Here are some benefits of healthcare financing which you might want to consider when making your decision:
Healthcare financing allows you to get all of your treatment done right away and pay for it later
If healthcare financing sounds a lot like how a credit card works, it’s because it is essentially a credit card. Healthcare financing is basically just another form of a credit card specific for use at doctors, dentists and other healthcare professionals. There are no interest options available to you where they instead charge your dentist a fee. Then there are options which include interest but allow you more time to pay off your balance. Interest options are more suitable for expensive treatments which may require a few years to pay off.
Healthcare financing is a good option if you make your payments on time. Typically you won’t pay anything extra as long as you make all payments on time. So if you are eager to get your treatment started and fix your teeth and gums but you can’t quite afford it at the moment, then healthcare is a good solution for you. It allows you to slowly pay off your balance over time without having to wait another year to remove that pesky tooth or replace that missing tooth!
Essential dental treatment may be expensive now but delaying only make it more expensive
Many healthcare financing applicants have a few cavities, need a deep cleaning or have a few wisdom teeth that need to be removed. This is the perfect time to use healthcare financing in order to help prevent existing problems from becoming worse:
- You need to fix your cavities to prevent them from causing an infection. If you fail to do so then the cavity become a root canal which costs ten times more.
- A deep cleaning is required to eliminate gum disease when you have too much plaque and tartar on your teeth. If your gum disease isn’t controlled, it compromises the health of all of your teeth.
- Failing to remove painful wisdom teeth will cause you continuous pain and aggravation. The pain keeps returning and on top of that it makes your other teeth crooked.
Healthcare financing allows you the flexibility to plan treatment according to your needs and priorities
As we all know, dental treatment is generally quite expensive. After all your dentist has to pay rent, staff salary, equipments, advertisement, etc. and he or she can only do so by charging you accordingly. If you present to your dentist needing $5,000 of work but can only afford $500 at the time, this can be a problem. If you’re going to rely on the $500 you have then most likely you’ll have to pull your teeth and compromise your overall oral health. Healthcare financing can help you avoid facing these tough dilemmas.
It is very important to prioritize your dental needs to make sure you use your healthcare financing wisely and in the order of what’s most important. Don’t just start with whatever treatment pays your dentist the most, but rather with those that are the most essential to you and your oral health. Keep in mind that you may end up not wanting to use all of your approved credit. So don’t leave an essential root canal treatment on the table while getting your teeth whitened! Here is the order that you should seek treatment if you have healthcare financing in place and need lots of dental treatment:
Address emergency pain or your chief complaint
Obviously you want whatever is most urgent to you addressed first and foremost. So if you have a toothache or want a missing tooth replaced, then get started with that particular procedure. Unless of course you have gum disease which may in occasions take precedence over fixing your tooth.
Receive your dental cleaning
Once your chief concern has been addressed, then receiving a dental cleaning is the next most important step. Why you may ask? Because your gums are the most essential part of your dental health. Fixing gums is similar to laying down the foundation for a house and needs to be done first and foremost.
In fact, sometimes your dentist will advise you to start with a dental cleaning before fixing your teeth related problems. This is a perfectly reasonable proposition. Most dentists don’t feel comfortable fixing your teeth when there is wide spread gum disease everywhere. In fact it’s malpractice to place a crown on a tooth that is loose, shaking and getting ready to fall out of your mouth!
Fix any cavities you have
The next step after cleaning your gums is to tackle your cavities and placing fillings and crowns. Cavities can encroach on tooth nerves and lead to pain and infection. The sooner you fix and stop your cavities, the less risks of pain and infection you will face. One exception to this is if you require fillings and crowns on your front teeth but you also want a teeth whitening. In these cases you should get your teeth whitening first. This way you can establish a base shade (color) which can be used to match the color of subsequent fillings and crowns.
Remove wisdom teeth that require removal
The next step is to remove your wisdom teeth if they require removal. Check with your dentist or oral surgeon to see if your wisdom teeth need to be removed.
Braces or Invisalign
If you want braces or Invisalign then you can discuss them at this point. The time to straighten your teeth is after all of your essential dental work has been completed. In fact orthodontists require a dental clearance letter from your dentist before starting treatment. So complete these essential treatment before worrying about straightening your teeth.
Removing wisdom teeth before braces is a great idea for adults. Retained wisdom teeth often times cause a relapse of your orthodontic treatment within a few years. Once you remove your wisdom teeth, the risk of your teeth shifting again reduces significantly.
Once you’ve addressed essential treatment, you can now consider cosmetic work
The last thing to consider using healthcare financing for is cosmetic needs and elective treatments such as teeth whitening. Placing veneers or whitening your teeth (unless you need the whitening first to match your filling and crown color) can always wait until essential treatment has been completed. Trust us, you don’t want to have beautiful teeth and then end up with toothache everywhere!