Payment plans for dental work

Do Dentists Offer Payment Plans?

Got an urgent dental procedure to schedule, but have no money to pay for it?

You can still get the treatment with payment plans for dental work.

We know that dental expenses can crop up unexpectedly and they never come cheap. It can be hard to postpone such an essential service when your toothache is getting worse by the second.

With dental plans and financing options, you no longer have to put that dental procedure off for later! All you need to do is get approved, get treated, and pay for the procedure in future installments.

Read on to know how you can manage to foot the bill for the dentist’s appointment.

Payment Plans For Dental Work

Dental financing or dental payment plans allow you to make payments over a period of weeks or months.

These financing options are often provided by dentists themselves with the support of a third-party financier. The plans may vary in increments, services accessible, and other factors. Many individual companies also provide financing plans separately.

These plans often require the patient to make an upfront payment as the first installment to avail of the benefits of the plan. Here are some other factors you should check out before signing up for a dental plan.

  • What is the minimum down payment, if any?
  • How much is the interest?
  • How many installments is the plan divided into?
  • What options do you have for repayment duration?
  • What is the minimum required payment per month?
  • Is there an additional fee? (late fee, form fee, etc.)
  • What is the maximum annual limit for treatments or pay the plan will cover?

Let’s take a look at some dental care clinics that offer financing options for dental care services.

1.    Rotem Dental Care

Located in Toms River, New Jersey Rotem Dental Care provides a range of dental services such as:

  • General dentistry
  • Cosmetic dentistry
  • Dental implants
  • Sedation dentistry

And more.

The Dental Care center provides a dental savings membership plan and other financing options to patients.

Their financing options are provided in partnership with LendingClub, Greensky, and CareCredit. There are a variety of plans to choose from for all types of budgets. Your payments are also reported to credit bureaus and will impact your credit score.

CareCredit provides patients with a healthcare credit card that they can use to avail financing solutions at dental clinics. You can use this credit card to pay for treatments on root canals, veneers, braces, retainers, and more.

LendingClub is a fintech marketplace bank that helps users with investing and borrowing tasks. One of these includes patient solutions.

Greensky loan program is another pay later partner that patients can opt for.

Visit their website to find out what options are accessible to you.

The savings plan offers you full-coverage options and access to affordable dental services.

2.    American Dental Center

American Dental Center offers dental care services in the following areas:

  • General dentistry
  • Dental implants
  • Orthodontics
  • Periodontics
  • Cosmetic dentistry
  • Surgery
  • Emergency treatments

And more.

Their partners CareCredit and DentRite provide alternate financing to patients without access to insurance.

The DentRite discount plan offers bonuses and discounts on dental services through annual membership plans.

Check the details and find the service you need on the American Dental Center website.

3.    Gentle Dental

Gentle Dental is an award-winning dental care practice. Their list of services includes:

  • Pediatric dentistry
  • Orthodontics
  • Oral surgery
  • Preventive dental care
  • Emergency dental care
  • Cosmetic dentistry

And more.

Gentle Dental works with multiple insurance providers and also works with payment solution providers to bring affordable treatment to their patients.

One of their partners is Essential Dental Plan.

Essential Dental provides dental subscription services for individual users and additional members. These subscriptions allow patients to access dental care services without any wait time or annual maximums.

Subscriptions have a low annual fee, are easy to renew, and provide you unlimited freebies/discounts on services. These services may include:

  • Oral exams
  • X-Rays
  • Routine cleanings
  • Oral cancer screening

Another payment solutions partner is the healthcare credit card provider CareCredit. Click here to read the full details of their payment plans.

4.    Bright Now! Dental

Bright Now! Dental is a dental care center providing equal access to patients with disabilities.

With Bright Now! Dental, you have access to a range of financing options like coupons, promotions, payment plans, dental plans, insurance, etc.

They offer multiple payment plans for patients. These include zero-interest plans with low or no money down, with a 2.9% interest rate. Plans can also be extended for up to 48 months on a 14.9% interest rate.

They provide affordable dental solutions in the following areas:

  • Specialty dentistry
  • General dentistry
  • Orthodontic treatments
  • Cosmetic dentistry

And more.

Visit their official website to know more about financing options.

5.    Dental Depot

Dental Depot is a family-owned and operated dental practice with multiple locations across Texas, Arizona, and Missouri.

Dental Depot offers services in areas of:

  • General dentistry
  • Cosmetic dentistry
  • Restorative dentistry
  • Orthodontics

By choosing Dental Depot for your next dental procedure, you can get a wide range of payment options. These include insurance plans, third-party payment companies (SoonerCare and CareCredit), payment plans, offers on services, and more.

Check out their complete payment solutions here.

Do all dentists offer payment plans?

No, not all dentists will offer payment plans. It is important that you check with the dentist before your initial consultation. Alternatively, contact one of the five dental business in the list above who do offer payment plans.

Final Thoughts

The process of financing a medical procedure is unlike your regular shopping. There’s more at stake and little in the way of product returns.

If you’re looking forward to getting a dental procedure soon, then make sure to check everything out thoroughly before you sign up. Most dental care providers assist patients looking for financial relief, so make sure to enquire first.

A healthy and happy smile can make a world of difference to your day. Why wait anymore when these great services have got you covered?

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