4 Tips for Dental Financing With Bad Credit

While 95% of American adults agree or strongly agree that regular dental visits will help maintain overall health, only 58% of people have visited their dentist. , Price - but that does not mean they are good excuses. Dental hygiene is not just to avoid cavities or bad breath. Unhealthy teeth and gums indirectly promote other medical problems such as cardiovascular disease, respiratory infections, endocarditis, kidney disease, etc.
At the risk of your overall health, there is no good reason to postpone your next dental visit or procedure. Postponement of dentistry can lead to bigger and more expensive problems along the way. Something as simple as a small cavity can increase tooth loss, or even a blister that can lead to a large infection. There is no value in saving money by not fixing the problem.
If the reason for the cost is you avoiding the dentist, you are not alone. 69% Americans say they are unable to meet the costs required to support their dental health. So, what are the options available to people who need a job but can't afford it? There are many ways to fund the dental procedures you need.

• Maximize your health insurance benefits

Take advantage of Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA) potentially offered by your employer. These accounts are pre-tax dollars set aside for medical and dental expenses from each salaried physician. By putting money in small amounts, the impact of large medical expenses will not greatly affect your financial impact.

• Internal payment plans

Visit your doctor's office fees and see if they have any payment plans available. Some physicians partially. Will accept payment or down payment, then recurring monthly payments will be made until costs are covered. These “in-house payment plans” usually do not take interest and are common when your treatment requires multiple visits. However, if this is a one-time process, such as filling an impression, this may not be an option.

• Dental Loans

Dental care can be a big expense, especially if you don’t have dental insurance or if your insurance doesn’t pay your bill in full. However, if you need dental financing, dental loans for bad credit can help you cut costs. If you decide to take out a private dentist loan, you must consider as many lenders as possible to find the right loan for you. Credible makes it easy - you can compare your previous rates for several personal loans.

• Medical credit cards

As the name suggests, there are credit cards specifically for medical bills. Many medical credit card providers offer various promotional interest free periods ranging from six to 24 months depending on the amount of credit required. Promotional interest is valid as long as you make a minimum monthly payment. For example, you had a range to fill and it would cost $ 1000 out of pocket. This is a high cost front, but spread over 12 months (.3 83.33 / month), becoming more manageable for most 1000 most patients. However, unlike traditional credit cards with promotional interest rates, medical credit cards use deferred interest. This means that if you miss a payment or if the amount is not repaid during this promotional interest period, you will have to pay all the prepayment interest instead of interest on the remaining amount.

Remember to consider all of your financing options before deciding which is best for your needs — and to save as much money as you can in the long run.