Dental Financing

Most everyone is feeling the economic pinch in some way or another. We can’t pretend the picture is particularly rosy.

On the other hand, we’ve all heard the term “false economy.” In difficult financial times, some people put off the dental care they need and wait for things to “get better.” When it comes to dentistry, that’s false economy.

We know budgets go through ups and downs. We also believe that catching small dental problems before they grow will, in the long run, save dental costs. A lot of expensive damage can happen over time.

Say you miss a regular cleaning. You’re inviting gum problems, which multiply painlessly, to set in.

business documents on office table with smart phone and laptop computer

Old fillings can crack or leak – decay may invade the tooth beneath the filling. Inattention to broken restorations eventually means a crown, certainly the more costly alternative to early repair.

Don’t put off dentistry. Don’t sacrifice your family’s health for economy’s sake. When it comes to your mouth, in most cases, a small problem only gets bigger – and more expensive. Preventive care is money in the bank.

Your dentist would like you to share your concerns with his or her financial coordinator. They’ll do their part by helping you keep healthy with dental financing. For patients who qualify, they probably can arrange a personal dental loan plan for your care. They’re there with options. And they believe good dentistry is good economy.

Dental Fees

Imagine this: a homeowner, to save a few dollars, decides the roof shouldn’t be repaired, the broken windows replaced, the leaky pipes fixed. Think that’s the best way to protect such a valuable asset? Of course not.

Yet many people put off caring for the most important asset they have – their health – because of economic reasons. Penny wise and pound foolish, wouldn’t you agree?

When it comes to payment for treatment, your dentist’s office is committed to helping you comfortably manage your treatment and dental costs through a variety of options.

Their first concern is – always – the state of your oral health. They start by evaluating your current and future needs, and then creating an individualized treatment plan. You may be given a detailed description of their recommendations, plus an estimate of the dental fees that may be incurred.

If you’re covered by dental insurance, they will map a plan to achieve the most benefits possible from your carrier. For instance, they may plan to have treatment spread over two “insurance years” to take full advantage of your available benefit dollars.

While you are always responsible for your total obligation (even if insurance benefits result in less coverage than anticipated), your dental office is available to work on an individual basis to develop a dental financing program that makes sense.

Remember that your adult teeth are the last natural set you will ever have. Economics should not stand in the way of preserving and protecting them.

Scheduling and Planning for Dental Financing

Long-term dentistry always works best with a plan. So as each New Year begins, some dentists sit down with their patients and organize dental health care – in phases – for the coming year.

In the spirit of prevention, one patient might be scheduled for cleanings and periodic examinations to watch closely for developing problems, and catch them before they grow. Another patient may call for complex restoration and will visit more often; in this case, the dentist will propose treatment step by step, over time.

Prearranged care makes sense. You know what to expect from the practice, and can plan your time and dental costs accordingly. By phasing treatment, your dental fees are minimized and, in the end, you still arrive at the same finished product – a healthier you. Moreover, you’ll rest assured, knowing you’re getting the care you need. Because postponed dentistry inevitably means more dentistry.

For insured patients, tight guidelines are in place for pre-determination of coverage, submitting claims, and timely reimbursement. As treatment is planned for the year, you must monitor your benefits “bank” through the months, to be sure you’re making the most out of your coverage. When year-end approaches, treatment may accelerate to take advantage of any remaining benefits before the next New Year, and a new deductible.

Everyone is different: different needs, comfort level, and financial situation. So most dentists are flexible. Insured or not, patients deserve choices. Your dentist is willing to work with you and arrive at a schedule that suits you, a schedule you’ll both respect.

Facts You Should Know About Dental Insurance

What is the best dental insurance plan for financing health care for me?Choosing a dental expense plan can be a confusing experience. Although there is no one “best” dental payment plan for financing health care, there are some plans that will be better than others for you and your family’s dental payment plan needs. We will try to guide you in simple terms. However, rather than just giving you answers, the best thing we can do is to make sure you are equipped with the right questions for the dentists.

There are three major things to consider, each with their own unique set of questions. By considering the questions thoroughly, you will arrive at the right dental payment plan for you and your family.

  • How affordable is financing health care (cost of financing health care)?
  • How much will a dental payment plan cost me on a monthly basis?
  • Should I try to insure just major dental expense or most of my dental expense?
  • Can I afford a policy that at least covers my children?
  • Are there deductibles I must pay before the insurance begins to help cover my costs?
  • After I have met the deductible, what part of my dental expense is paid by the dental plan?
  • If I use dentists outside a plan’s network, how much more will I pay to get financing health care?
  • How often do I visit the dentist and how much will my dental payment plan be each visit?
  • Do the included services match my needs (access of health care)?
  • What other dental providers are part of the plan?
  • Are there enough of the kinds of dentists I want to see?
  • Where will I go for financing health care? Are these places near where I work or live?
  • Do I need to get permission before I see a dental specialist?
  • Are there any limits to how much I must pay in case of a major illness?
  • Is the prescription medication which I need covered by the dental plan?
  • Have people had good results when covered by a specific dental payment plan?
  • How do independent government organizations rate the different dental plans?
  • What do my friends say about their experience with a specific plan?
  • What does my dentist say about their experience with a specific dental payment plan?

If you consider these elements carefully when choosing a dental plan, you can be assured the best possible outcome and minimize dental expense paid by you.

Avoiding Big Dental Costs

Whoever warned against being “penny wise and pound foolish” must have been thinking of times like these. When the economy is just limping along (and dollars are tight at home) it’s natural to look for ways to cut down on unnecessary expenses. Too often, cutting back on today’s unnecessary expense leads to far greater costs just a ways down the road. And that’s especially true of dental care.

Of course, your dental practitioner recognizes that every household economy goes through its own ups and downs. But they also believe that maintaining a high level of health is the cheapest form of insurance. So they’ll work with you to get the dental care you need – when you need it.

Why wait another moment to meet a top Tamarac dentist?

Call The Tamarac Dentist at 954-721-2330 or complete our simple online form to schedule a consultation.
We’re dedicated to providing everyone in your family with affordable, top-quality dental care.