Dental insurance is one of the most common dental financing options in the US and can help with the cost of dental work by giving you a way to pay your expenses (or at least a portion of them) in predictable monthly payments. When applying for a loan your options are secured and unsecured. Taking out a loan is similar to using a patient finance company. Pros, Cons, Price, and Reviews. However, some lenders will okay loans by looking at alternative files of financial data when the person has sufficient income and verifiable employment. Plenty of dentists offer orthodontic financing to help spread the cost of braces. CareCredit is a type of credit card resulting from a partnership of lenders and healthcare companies to help consumers pay for healthcare. Just click the link below to get started! Insurance rarely covers cosmetic veneers, but you might consider getting treatment abroad at a clinic that specializes in cosmetic treatments for overseas patients. Think about it. Paying for Periodontal Treatment Costs without Insurance, Professional Teeth Whitening Costs With & Without Insurance, Cost of Filling a Cavity: With & Without Insurance. Providers can reach out to us at any time. What is the best way to finance dental work? Veneers can cost anywhere from $250 to $2,500 each, depending on the type, with porcelain veneers being the most expensive. Per IRS regulations, employers must allow all employees to participate – if they offer the benefit. Below we will go through the different ways you can finance your dental work and make it more affordable. All content on this website is provided as information only and does not in any way replace medical advice. This site complies with the Find out how on this page. You may be wary of this idea at first, but countries like Mexico, Costa Rica, Hungary, Poland and Spain have well developed dental tourism industries with world-class dental facilities offering prices 50-70% lower than in the US. Despite dental implants being the medical standard for tooth replacement, they’re not covered by most dental insurance policies. Veneers, being a nearly completely cosmetic treatment, are almost never covered by insurance or Medicaid. Many Americans don't buy a dental insurance plan because they aren't aware of the options available to them. On the other hand, unsecured personal loans don’t require any collateral from the patient. They usually come with high interest rates and origination fees for the patient. Your employer must reimburse qualifying expenses immediately – even though you just began making contributions. And, while the terms of the loan are set by a third-party lender and not your office, they may reflect poorly on your practice in the eyes of patients if they appear to be unfair. Insurance might not save you a lot of money on your dental care in the long run, and you may still need to look at dental financing for patients requiring bigger treatments, but it will make payments more manageable and offer some protection in emergency situations. However, these plans are not a panacea. The practices agree to charge lower prices to card-carrying members in exchange for higher patient volume. Want to learn more about financing options for dental practices?