Dental Financing Options for Patients
When you require dental treatment, the last thing you need is having to worry about how you’re going to pay for it. You naturally want the best possible dental healthcare for yourself and your family, but footing the bill can be a headache, particularly if times are hard.
Americans fork out more than $100 billion a year at the dentist’s. The cost of treatment depends on your individual requirements and the treatment plan drawn up in consultation with your dentist. A reputable dental practice will explain the costs of your treatment and payment options before going ahead with your dental care.
The average cost of dental treatments in 2016 ranged from $5,000 to $6,000 for braces, $1,000 to $3,000 for a single-tooth implant, and upward of $24,000 for full-mouth reconstructive implants. Scaling and root planing for the whole mouth can range from $400 to a few thousand dollars.
If you live in the Seattle area and are wondering how to pay for dental treatment in Bellevue and Issaquah, these costs may seem high, but to put them in perspective, the average expense of buying a car in the US in 2016 was $25,500.
You might be able to live with not having your own transport, but when something goes wrong with your teeth, it’s much more than an inconvenience. Without professional attention, painful problems such as tooth decay and gum infections/periodontal disease will progressively worsen, even to the extent of requiring surgery.
If you have children, their dental treatments can take a large slice out of your pay packet. For instance, conventional metal braces can set you back as few thousand dollars, and removable or clear braces can be twice as expensive.
Fortunately, when you don’t have thousands of dollars tucked away for a rainy day, there are a variety of ways to pay your dentist’s bill, including health insurance, dental insurance, dental plans, payment plans and healthcare credit cards. In some cases, you may be able to get financial aid from the government towards dental fees.
If you have a CareCredit card, you can spread dental costs over periods of six months up to two years, without having to pay interest charges – as you would with Visa or MasterCard credit cards – as long as the full bill is settled within the agreed time. Treatments covered by CareCredit include gum disease prevention and treatment, dental implants, braces and retainers. CareCredit, from Synchrony Financial, is one of the most popular health credit cards in the US.
Insurances, Payment Plans and Savings Plans
If you have taken out general health insurance, check with the provider whether it includes dental treatment. If you have dental insurance via your employer, ask your benefits department which treatments are covered.
When considering how to pay for dental treatment in Bellevue and Issaquah, look for a practice that offers payment plans to let you spread the cost over time. If additional financing is available, ask about interest rates. Many dentists will try to work within your budget, as long as you can meet minimum monthly payments. Some practitioners may offer a discount for upfront payment of the entire fee.
Dental savings plans are an alternative to dental insurance schemes. With a dental discount plan, you pay one yearly fee in return for significantly reduced rates. According to dentistry information resource Authority Dental, a dental savings plan can cut the cost of dental implants and scaling and root planing by up to 60 percent.
The Bellevue and Issaquah Implant & Periodontic Specialists practice offers payment plans through CareCredit. It also works with major dental insurance providers – including Arcora Foundation (formerly Washington Dental Service), Delta Dental, Regence, Premera and Lifewise – and can help you with your claim and paperwork.
Medicaid and Medicare Programs, and Tax Deductions
If you’re on a low income, you could get dental treatment under the Medicaid program. Check with Washington State’s Medicaid office for possible help in how to pay for dental treatment. Medicaid doesn't generally cover minor cosmetic dentistry, so your treatment needs to be medically necessary, and you have to satisfy financial guidelines.
If you’re a senior adult, you may be able to get help in paying for dental treatment through the Medicare federal health insurance system, aimed mainly at people aged 65 or older, or under 65 with certain disabilities.
If your dental treatment is deemed a medical necessity, fees above a certain level are tax deductible. Keep a record of all your expenses, including check-ups. Further information is available from the IRS (Inland Revenue Service).
Taking the Sting Out of Dental Costs with Implant & Periodontic Specialists
The Bellevue and Issaquah Implant & Periodontic Specialists practice of Dr. Neal Raval and Dr. Laura Moon offers a range of affordable payment plans and accepts most major insurances, in line with its commitment to provide the highest standards of professional care for its clients.
We take pride in the way we communicate with our patients, and we’ll systematically explain all your options to you, to enable us to provide you with a detailed treatment plan, including a breakdown of our fees. Implant and Periodontic Specialists will do all it can to maximize your insurance benefits, and we are happy to take CareCredit cards.
When you’re looking at how to pay for dental treatment in Bellevue and Issaquah, you’ll realize that dental treatment doesn’t come cheap, but insurance coverage and payment plans can take the sting out of meeting these costs. And, as “Don Quixote” author Miguel de Cervantes said: “Every tooth in a man’s head is more valuable than a diamond”.
Please note: Implant & Periodontic Specialists is unable to provide insurance via Medicaid or Medicare, although it will strive to help you to take full advantage of your dental coverage.