| Many dental patients sign on the dotted line when they | | | | also go online to find a bank that is willing to lend you |
| begin treatment and later find out that their dental | | | | the money. Care Credit is one such company that |
| insurance will not cover the full cost or as much of the | | | | extends credit for those in need of medical or dental |
| treatment as they expected. Most dental plans allow | | | | care whether they have insurance or not. There are a |
| for a yearly limit of between $1000 and $2000. If the | | | | variety of plans that can be looked into to find out |
| cost of the treatment you receive exceeds the yearly | | | | which plans are best for your needs and your dentist's |
| limit that your plan allows, you should know beforehand | | | | requirements. |
| so that you can make other arrangements. | | | | If your dental treatment is considered a medical |
| When visiting the dentist, find out exactly how much it | | | | necessity then you have the right to appeal to the |
| will cost. Sit down with the office manager or the | | | | medical part of your insurance plan to pay for |
| person in charge of insurance and billing to find out | | | | treatment above and beyond what your dental |
| what each procedure will cost. Before you sign for | | | | insurance will cover. This will only work if your dental |
| treatment to begin, check with your dental insurance | | | | treatment is truly a medical necessity. |
| plan to see what costs are covered and how much | | | | The Bottom Line |
| they will pay for your entire treatment plan. Once you | | | | When going to the dentist and offered a treatment |
| agree to a treatment plan, and allow your dentist to | | | | plan, be sure that you have the coverage before you |
| complete treatment you are liable to pay no matter | | | | start. If not, discuss the treatment priorities. Sometimes |
| what your insurance does not cover. | | | | certain procedures can wait for the next insurance |
| Payment Options | | | | coverage period. If you are in no pain or if delayed |
| There are some dentists that will agree to a payment | | | | treatment will not cause further treatment to be |
| plan that will allow you to pay off your dental bill in | | | | needed, you can often wait until your next year's limit |
| installments. If in your case your treatment exceeds | | | | comes around. Though no dentist will advise you to |
| the yearly limit and treatment is necessary to keep | | | | wait, you are the only one who knows what your |
| your teeth in good shape, sit down with the dental | | | | entire situation is and what you can reasonably afford. |
| team that handles payments and come up with a plan | | | | The dentist will have your oral health in mind so don't |
| that will enable you to pay off your bill at a monthly | | | | be afraid to sit down with him or her and the staff. |
| price that is acceptable both to you and the dentist. | | | | Your dentist has your best interests at heart and will |
| There are also third party credit solutions available that | | | | work with you in any way they can in order for you to |
| are specifically geared to help people with dental costs. | | | | get the proper treatment you need and to make sure |
| Your dentist can often help you find these. You can | | | | that your insurance benefits are maximized. |