When thinking of cosmetic dentistry, many think of treatment for the exclusive purpose of improving one’s appearance. However, there are various dental procedures that are classified as cosmetic, but are strongly recommended to maintain good dental health. Your cosmetic dentist will opt to perform the least invasive procedure for a patient, but in so doing a procedure may fall into a classification not covered by insurance. [pullquote]The availability of a plan called Care Credit offers another avenue for patients seeking uncovered dental treatment. [/pullquote]
When insurance is not available, or if a procedure is not a covered benefit, what options do patients have to complete necessary or desired treatment?
Available credit through banks or credit cards such as Visa, MasterCard, Discover or American Express is always accepted and welcome. Debit cards, cash or check are additional options.
Many employers have recognized the need for their employees to have access to treatment otherwise not covered by their insurance plan. With the introduction of health savings plans, employees can now take advantage of being able to pay for uncovered dental treatment with pre-tax dollars saved. Depending on your tax bracket, taking advantage of this plan can mean significant savings over paying for treatment out of pocket.
In additional to health savings plans, flexible spending accounts offer the same pre-tax benefits. Using available funds within a designated period make seeking cosmetic dental treatment an excellent option for patients looking to their cosmetic dentist for desired improvements such as dental veneers or bonding.
The availability of a plan called Care Credit offers another avenue for patients seeking uncovered dental treatment. Care Credit is a third party creditor that offers a variety of plans for qualified candidates that include interest free, low interest or traditional long term repayment plans. You can apply online at your own convenience and discretion.
Our more mature senior patients can also enjoy the luxury of an additional discount on dental treatment. And all of our qualified patients have access to flexible repayment plans available – see our financial coordinator for details.
So whether your needed treatment is not a covered benefit, you have maxed out your insurance plan for the year, or the treatment being recommended by your cosmetic dentist is for purely aesthetic purposes, there are many avenues available that will allow you to secure the dental treatment you desire.
For more information on the financing options of cosmetic treatment, call the San Antonio office of Dr. Huriega and Dr. Bonner today at 210-616-0858 to schedule a one on one consultation.
