Cosmetic dentistry is a very costly procedure. For those people who do not have heft bank accounts, raising the funds for the procedure might be quite a challenge. Those with dental insurance are not spared from the financial strain either since the cover only pays for specific procedures.
If you are looking for cosmetic dentistry financing, then you will find it wise to follow the following advice.
If you have an insurance policy for dental services, always find out which ones are offered before booking an appointment with your dentist. You should also find out the amount that you will be required to raise from your private funds. Get a treatment plan prior to committing yourself to cosmetic dentistry. You will be able to get a rough idea of the procedures you will go through and how much each procedure will cost. Some of the procedures will be covered by your insurance; so all you need to do is deduct those expenses from the overall total for you to know how much money you need to raise.
You should always find out whether your dentist has in-house financing. If they do, then it is up to their financial manager to explain their terms and conditions to you. There are times that you will not even be required to put up the down payment. Such payment plans may come with high interest rates and huge monthly payments. It is therefore important for you to find out all about the in-house financing.
The first place you should seek for funding is with the finance companies that specialize in health case financing. You can apply for the funds online or you can contact the company via telephone. You can also make the loan application through your dentist. There are a few documents that you will be required to sign.
Be armed with all the information that the finance company will need to process your application. The process is similar to the one you got through when applying for credit card services. If your credit history is a bit shaky, find someone who will act as your co-signer.
In case your first lender does not cover the full cost of your cosmetic dentistry, then you can look for an additional lender. It is better to have more lenders to cover the full cost rather than not undertaking the procedure due to a shortage of funding.