Most health insurance plans do not cover dental work unless customers purchase additional dental insurance. According to a survey done by Consumer Reports magazine sent to their subscribers, 43 percent put off dental work because they fear they cannot afford it. The bad economy has affected the dental industry as more and more people assume that they cannot afford dental procedures.
Even Americans with dental insurance are discovering that their insurance may not cover all procedures or filling types. There are alternatives to paying for dental work rather than handing a check or credit card over to the receptionist.
Financing options are becoming the preferred payment method of choice for many Americans.
CareCredit and Springtone
CareCredit and Springtone work like credit cards that are used to pay medical bills, such as dental procedures. They even cover cosmetic dental work, which is usually never covered under traditional dental insurance plans. Instead of paying the entire bill all at once, customers pay a little bit of the bill at a time every month. Customers can fill out an easy one-page application at the dental office, online or call a toll-free number.
How to Afford Dental Procedures
Customers do not have to wait around for days to see if their application is approved. CareCredit gets back to the customer as soon as they look over the application. Springtone states that they get back to a customer within a minute of the application being sent online. Changing dental insurance or medical insurance providers does not need to be done. Customers can choose from a one-time loan or set up a line of rotating credit to pay for procedures whenever emergencies come up.