Maintaining good oral health is essential to our quality of life. Unfortunately, the cost of dental treatments can prevent individuals from seeking the care they need. According to a study from The Federal Reserve, dental care was the most frequently skipped type of medical care by American adults due to cost. About 21% of respondents admitted to forgoing dental treatment in 2022 for this reason. At Dr. David P. Ney’s practice in Harrisburg, NC, we understand these concerns and are committed to providing affordable, high-quality dental care to our patients and their families. Our secret to making dental treatments accessible to everyone? Dental financing options that put your oral health within reach.
The Financing Dilemma in Dental Care
We all know that dental care is vital to our overall well-being. From a young age, we learn to brush our teeth twice daily, limit sugary foods, and visit the dentist every six months for a checkup. However, a hidden benefit to taking care of your oral health is that it’s almost always easier and less expensive to deal with a dental issue early on rather than letting it progress.
Take gum disease, for example. If you notice a little blood in the sink after brushing or flossing (an early sign of gingivitis), you should schedule a dental visit. If caught early, treatment can be as simple as a routine dental cleaning. However, if left unchecked, the disease will grow and spread until it requires more advanced procedures. Eventually, we may have to extract and replace the infected tooth, costing you far more in the long run.
Whether you need to replace missing teeth with mini dental implants, enhance your smile with porcelain veneers, or treat teeth grinding with a custom night guard, the potential costs can be a concern. While dental insurance plans cover some preventative and basic dental procedures, it’s essential to understand what services your policy covers. At your free consultation, our experienced office staff can evaluate your policy’s coverage and ensure you’re fully informed about any out-of-pocket costs.
Our Dental Financing Options
You might be wondering, “What if I don’t have dental insurance?” or “What if my plan doesn’t cover my treatment?” If that’s the case, don’t worry—we’re here to help! Our practice collaborates with three dental financing companies to offer you the best rates and flexible payment options, ensuring you and your family can receive exceptional dental care without financial worries.
1. CareCredit: A Healthcare-Focused Credit Card
CareCredit is a specialized credit card designed to cover medical, dental, and wellness needs. It’s not only for dental work; you can use it for medications, lab work, pet care, or even spa treatments. Once approved, you can use your CareCredit card repeatedly at participating providers.
With CareCredit, you can finance preventative and cosmetic dentistry, including checkups, cleanings, dental fillings, implants, veneers, and more. Short-term financing options of up to 24 months offer no interest on purchases of $200 or more if you pay the balance in full within the promotional period. Longer-term options with reduced APRs can have terms of up to 60 months for larger purchases.
The application process is quick, and you can apply online, by phone, or with our QR code. CareCredit makes it convenient for you to access the healthcare financing you need.
2. LendingClub: Tailored Long-Term Financing Solutions
LendingClub Patient Solutions specializes in financing elective dental and medical procedures. Their flexibility allows you to finance general and pediatric dentistry, orthodontics, periodontics, prosthodontics, and more. Financing amounts range from $500 to $65,000, with repayment terms of 6 to 84 months, making them a great option for those who need to spread their payments out over more time.
Loans are offered with fixed monthly payments at competitive interest rates. However, promotional short-term plans with 0% interest are also available for qualifying purchases (payments totaling $499 to $32,000).
The application process is straightforward, and once approved, you can choose the loan option that best suits you.
3. Ally Lending: A Streamlined Path to Affordable Dental Care
Ally Lending offers personal loans for medical treatments, providing an option for affordable monthly payments over an extended period. Applying with Ally Lending is easy, and their user-friendly online payment system makes managing your loan a breeze. You can view statements, set up automatic payments, and pay via phone, mail, or through your bank.
Invest in Your Smile Without Financial Worries
Don’t let financial concerns hold you back from essential dental treatments. Dr. David Ney, “The Dental Guy,” believes investing in oral health shouldn’t break the bank. Contact us today to schedule a free consultation and discover how our dental financing options can make high-quality dental care affordable for you and your family.
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