Are Dentist Payment Plans Affordable?

Feb 16, 2017

If you’ve ever been to a dentist you know that it is not an inexpensive trip. However, your oral health is vital, not just for the sake of your teeth, but also for your overall health and well-being. A beautiful smile boosts self-confidence. A healthy mouth is necessary for a healthy body and a great dental team keeps your mouth healthy. Even though it may set your budget back a little, dental care is necessary and you can find a plan that makes it affordable.

Dental Insurance as Dentist Payment Plan

It helps to have dental insurance; however, even dental insurance has its limits. The truth is, dental insurance does not protect you from anything. It helps you pay the bills. Think of it more like a discount card that usually has a value somewhere between $1,000 to $1,500 dollars. While this is very helpful, when you have expensive or extensive dental work, it may not be enough. You could easily max out your dental insurance in less than a year. In addition to the potential of using up your benefits quickly, there is also the limit on covered procedures.

Using Your Credit Card

This is an option many people choose as a dentist payment plan. The question regarding affordability comes down to how you pay your bill and what interest rate you are paying. If you always pay the minimum monthly payment, your procedure and everything else you charge can end up costing you a pretty penny. On the other hand, if you can manage to make larger payments, you will have less interest building up, and therefore the dental work will not be as much in the long run.


Many dental offices work with CareCredit. It’s different from your regular credit card in that it offers special financing options that are not available with regular credit cards. With some of the promotional offers extended, you can have up to two years to pay off your balance interest-free, provided you don’t miss your minimum monthly payment. This is a wonderful dentist payment plan option for those whose insurance doesn’t cover the work they need and for people who don’t have dental insurance.

Dentist Payment Plan Through In-House Financing

While most dental offices prefer payment for services upfront, in some cases in-house financing is available. Talk with your dentist to find out exactly how it can work in your particular situation. After the initial payment is made, long-term procedures may be paid off with monthly payments. In many instances, there are no additional charges or interest payments.

At Spring Cypress Dental, we are happy to sit down with you and discuss dentist payment plan options. Just give us a call or let us know when you come in for your appointment that you would like to talk about the dentist payment plan. Your oral health is important and we want to help make it affordable.


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