Dental insurance is typically fairly affordable and will pay a large portion of most procedures. When shopping for dental insurance, make sure to pay careful attention to copays, deductibles, and the maximum amount your insurance provider will pay out each year. To work annual maximums to your advantage, you can start an expensive procedure in December, then finish it in January when your maximum resets. Or, you can break procedures up into more manageable increments that won’t hit your wallet all at once.
Use a Medical Expense Account
A medical expense account, such as a Health Savings Account (HSA), typically allows you to place pre-tax dollars into a savings account, then use that money tax-free to pay for medical expenses, including dental work. While this is still your own money, and may not seem much different from simply paying out of pocket, you can save quite a bit of money by avoiding the taxation that would have normally occurred for those funds.
Care Credit is, essentially, a credit card that allows you to pay for your medical and dental procedures. If you abide by certain rules (make sure you read the fine print carefully), you can actually avoid paying any interest at all. This makes Care Credit a viable option for many people as you’re able to pay for your procedures in manageable amounts without racking up lots of debt due to high interest rates. This also allows you to avoid tying up your regular credit cards so that you can continue to use those as you normally would. For these reasons, Care Credit can often be your best financing option, especially since it covers such a wide variety of procedures.
It’s in your best interest to do what to can to get dental procedures done within a reasonable amount of time, as the longer you wait the worse the situation can become. This is especially true of periodontal procedures for the treatment of gum disease and tooth loss, which can seriously impact your overall oral health.
Your dentist or periodontist can help you figure out the best way to complete the necessary procedures in a way that is affordable for you. By prioritizing the most important dental work first, you can ensure that you are able to maintain your oral health while also remaining fiscally responsible.
At Dr. Kenzik’s Periodontal office in Ormond Beach, FL we want to ensure that you’re able to get the care you need in order to keep your oral health from declining due to a lack of necessary treatments. Contact us to schedule a consultation. We’ll discuss the treatments you need, as well as the best way to complete them in a way that works for you.