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Dental Financing Solutions for Patients


Quality dental health care may seem expensive, but it is not nearly as costly as putting it off. "Next month" or "when I get insurance" may seem like good rationales to delay necessary dental treatments, but weeks quickly turn to months and months to years, and the consequences may be disastrous. There are options, however.

Preventive Dental Care

Ask your dentist about patient financing.

Preventive dentistry is, over time, the least costly and most effective means of attaining and maintaining ideal dental health. This includes appropriate oral hygiene practices, regular dental visits and immediate supervision of dental needs. Patients who delay recommended treatment, or schedule emergency-only dental appointments, invariably have far worse dental health than those who attend to their needs on a planned, recurring basis.

After a complete dental examination, your dentist may present alternative treatment options in consideration of budgetary concerns. The dentist may prescribe a treatment plan over a course of time by establishing a sequence of procedures to be performed in phases. Emergency care, such as relief of pain and management of dental infections, takes top priority. Dental needs, like fractured teeth, tooth decay and restoration of periodontal health come next. Orthodontics, replacing missing teeth and cosmetic dentistry, are considered urgent to some but elective to others, and are usually less pressing.

Phasing dental care over time may be a reasonable approach for a patient willing to commit, and stick to, a course of action that will ultimately provide good dental health. Planned prudently, and applied diligently, phasing dental treatment may yield a satisfactory result, without sacrificing health or incurring an exorbitant price by neglectful procrastination. This approach may be especially viable for those with dental insurance that have annual maximum allowances, or patients addressing budget constraints.

Dental Financing: A Reasonable and Affordable Solution

Naturally, dentists prefer to practice ideal dentistry on every patient, resulting in fewer, more efficient appointments, and better dental health for every patient. In a practical world, this practice is not always feasible due to financial dynamics. For patients in immediate need of comprehensive dental treatment, prudent financing of dental treatment may not be a suitable option. In the computer age, there is no need to put off health care decisions any longer.

Many dental offices have established relationships with patient financing companies that allow the dentist to practice ideal dentistry, and while referring patients to those better trained to manage lines of credit. These plans are designed to give patients an affordable means to attain the dentistry they need, or the cosmetic treatment they've always wanted. With low monthly payments and comfortable terms, dental dreams can become reality.

"Credit dentists" were long equated with shoddy dentistry. Characteristically, they advertised heavily and appealed to less-savvy consumers, unaware of the consequences of assembly line dentistry and the high cost of financing. Fortunately, truth-in-lending laws, more competitive and sophisticated financing institutions, and the wonders of computers have made financing options affordable, commonplace and suitable for even the most discriminating consumer.

The application process is simple and credit decisions are made almost immediately -- in as little as 10 minutes. Although requirements vary, as a rule of thumb, if you can quality for a credit card, you can obtain dental financing. Please, do not delay necessary treatment. Visit the dentist!

Remember, only a dentist can diagnose your dental problems and offer the right treatment plan for you. If you need a dentist, call us at 1-866-970-0441 to be connected with one today.

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