Dental Blog

In-House Dental Financing: Bright Now Payment Plans

Wednesday, March 14, 2018
In-House-Dental-Financing

Visiting your local dentist isn’t always about improving your smile – sometimes it’s simply about maintenance. Financial constraints can be the biggest obstacle patients deal with when it comes to finding quality, affordable dental care. Aside from dental insurance, patients can find refuge in knowing dental financing and dental payment plans can work for them and their wallets. Using in house dentist financing allows patients to seek dental care to not only maintain their health but improve their smile. Use a dentist near me search to find the closest Bright Now! Dental location to you to find dental financing that eliminates those financial obstacles to give you straightforward options in quality oral care.

Payment plans and dental financing, especially in house dentist financing, is one of the easiest ways patients can manage the cost of their dental visits. Unfortunately, quality dental care can come with a heavy price tag. With advancements in technology and specialized training, the cost of dental care can be quite high. However, this should never prevent patients from receiving the care they need. Many dentists offer affordable care, along with discounts, plans, and offers that help patients every day. In using payment plans, patients can gain access to the quality care they need to maintain the health of their smile which will save them expensive treatment later in their oral care journey.

Do dentists allow you to make payments?

If you haven’t heard of using payment plans to help finance your dental care, it could be because not all dental offices provide such plans. Many patients will use their dental insurance to cover most, if not all of the cost of their dental procedures. But what happens to those patients that don’t have dental insurance? For many of Americans, this is reality. Dental work is not considered the same as medical care, which restricts medical insurance coverage from working within the realm of dentistry. If you don’t have separate coverage from a dental insurance provider, you will be left paying for the cost of your dental work out of pocket.

There are several ways to go about this, including paying up-front, using your own credit card, or seeing if your dentist office offers the ability to make small payments towards your balance. At Bright Now! Dental, we’re working on a variety of ways we can make access to affordable dental care that much easier. One of the best ways we know how is to offer dental financing to our patients. This allows patients to seek the quality care they’ve been needing from a dentist they trust, with the ability to pay back the cost of their procedure on their terms.

In-House Dental Financing

How do patients go about paying for their dental procedures without insurance? At Bright Now! Dental one of our solutions is to offer in house dental financing. In house dental financing differs from many other payment plans or loan options because the terms and agreements are set within the structure of Bright Now! Dental. In using this method, patients are able to seek the care they need and the financial questions regarding that care all in one place. In house dental financing will also provide patients with dental payment plans that don’t exist within any other network. The terms of financing, down payments, and interest are all exclusive to each plan at Bright Now! Dental. This can help alleviate some of the headache associated in figuring out what type of payment will work for the procedure you’re undergoing. Using a dental payment plan that’s offered in house will allow your dentist to help give you some guidance on what structure might be best for you, especially when in comes to determining whether future dental procedures will be needed.

Issues Presented with Dental Insurance

As a patient with existing dental insurance, you may also be faced with a similar financial obstacle as patients without dental insurance depending on the type of coverage you have. Bright Now! Dental accepts most insurance plans, and helps with filing claims taking the hassle out of making sure you procedure is taken care of. However, one of the biggest challenges with dental insurance isn’t about the dentist taking your coverage, it’s within the terms of coverage itself.

Dental insurance doesn’t always cover every dental procedure, or it poses different structures in how the coverage is provided whether full, partial, or not at all. One measure patients can take towards financial security within their dental insurance network is to go over a list of procedures to find what will be covered, and what they’ll be left responsible for financially. Selecting the type of dental insurance coverage will help you be prepared for any big bills that may be outstanding after your dental procedure.

For those bills that aren’t covered by dental insurance, patients can look to dental payment plans as a way to manage the cost of what remains. Especially when it comes to larger, more costly dental procedures, patients can be left with a statement they weren’t necessarily prepared for. Other times it’s easier to use payment plans as a type of financial management tool. Whatever the reason, the payment plans offered at Bright Now! Dental are meant to be flexible in both choice and terms, allowing patients to make the right decision for them. They can be used as a tool for patients that have dental insurance, or those without.

How Dental Payment Plans Help You

Dental payment plans give patients wiggle room when it comes to their financial options. Dental procedures can sometimes dig up unexpected issues, meaning more visits to the dentist requiring further work to make sure your smile maintains its optimal health. From dental insurance questions of coverage to multiple dental procedures, there are all kinds of reasons you may be asking your dentist if they offer a payment plan structure.

The benefit to you is the ability to pay for your dental procedure. This results in getting the care you need exactly when you need it. Taking care of your smile in this manner ensures you are tackling the biggest dental issues at hand, without prolonging treatment which can only worsen the health of your smile as well as your finances. Leaving care behind due to financial concerns will usually result in a higher dental bill later on. Generally speaking, dental procedures tend to increase in cost the more intensive they become. As dental issues progress and worsen, so does the intensity and nature of care that would be required to solve such issue.

At Bright Now! Dental we offer several payment plans to choose from:

  1. Low down payment and no interest. Put a small amount towards your overall balance and look forward to small payment installments at no interest. This means you’re simply paying for your bill and nothing more in utilizing this type of payment plan.
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  3. No money down and no interest. We understand that not everyone has the ability to put cash forward on their procedure right then and there. For circumstances like these, patients can choose a no money down, no interest plan to pay back their dental procedure over time.
  4. Extended terms up to 48 months at 14.9% promotional interest rates. In some cases, patients find that extending the length of time they have to pay back their dental procedure is the best case scenario. Using this flexible plan, patients can have more time to pay back their dental procedure.

Using one of these three payment plans allows both the patient and dentist to receive the dental care that needs to happen. Any amount of treatment can be approved for the patient at the dentist’s discretion, while allowing the patient to choose the payment plan that works best for them. In doing so, patients are able to receive more comprehensive care, increasing their satisfaction with the care and quality of work their able to have access to. Payment plans like these eliminate barriers to quality dental care patients everywhere deserve.

The Secret to Affordable Dental Care

While payment plans don’t directly lower the cost of your dental care, they are secretly at work in lowering the amount you may end up paying in the future. To increase your financial wellness in conjunction with the health of your smile, focus on prevention and use payment plans as a way to get you there. Preventative dental care helps manage smaller dental issues before they become more painful, more intense, and more expensive later on. Preventative care like professional teeth cleanings, oral exams, and dental X-rays are all on the lower end of the spectrum when it comes to cost. Frequenting these types of procedures into your yearly routine will help you save time and money in the future.

Payment Plans at a Dentist Near Me

Finding a dentist with in house payment plans doesn’t have to be a complicated search. Use a dentist near me search and you’ll find several Bright Now! Dental locations in your area. All of these dentist offices provide patients with exceptional quality care with a multitude of payment plan options to choose from. Financing your dental care is flexible and easy with options like these. Whether your preventing a dental issue or taking care of a current one, payment plans eliminate financial worry associated with care. Learn how these plans can help you at your next appointment.