Dental Blog

Insurance Alternative: Castle Dental Payment Plans

Wednesday, February 28, 2018
insurance-alternative-dental-payment-plan

As tricky as dental procedures can be, sometimes the hardest part is figuring out how to pay for it. Dental insurance may be great for one procedure, but can leave you pulling change out of your pocket for another. However, there is another option using a local dentist with payment plans as a part of dental financing. Try out our “dentist near me” ZIP search tool to find Castle Dental locations that offer payment plans that work. Dental payment plans give patients an alternative to dental insurance, allowing them to pay for exactly what they’re getting in the dentist’s chair. This way, you’re putting your oral health care first, ensuring a healthy smile for the long run. Leaving important dental care behind due to financial concerns often leads to larger, more expensive dental issues later. Using payment plans can help manage the cost of your oral health care, providing you the best of both oral and financial concerns.

Affordable Dental Insurance

For some patients, their dental insurance works for them. Whether it’s purchased privately, or a service they’ve acquired through an employer, dental insurance can be a great method for paying for your dental procedures. Most patients have insurance coverage that follows the “100-80-50” method. This refers to 100% coverage by the provider for preventative care, 80% coverage for basic procedures, and 50% coverage for more intensive procedures. However, there’s factors of your premium, deductible, and other unforeseen dental emergencies that can play a role in what you’ll pay at your visit.

Each insurance plan offers its own variety and has its own advantages and disadvantages.

Health Maintenance Organization (HMO)

Allow patients to visit any dentist within their network. This is great for patients who want to keep all their medical and dental care within the same organization. Rates can be advantageous to those within the network, as the insurance provider has agreed to negotiated rates with their service providers. However, visiting a dentist outside this limited network will not be covered. This means if you’re ever in a dental emergency and need to be seen by a dentist outside of your network, you could run into issues finding your total bill covered by your insurance.

A Preferred Provider Organization (PPO)

Allows patients to visit their dentist at either at in-network or out-of-network office. However, out-of-network offices will typically cost the patient more for their visit. These plans can vary immensely when it comes to defining what procedures are covered and what will be left to the patient. Sometimes, particular procedures are fully covered, partially covered, or not covered at all. It can be hard to determine exactly what procedure you’ll need, as this can vary from patient to patient. Ideally, you’ll want an insurance plan that works for your needs. The downside to this is finding a plan that can accommodate you on an individual basis. The insurance plan may help lower some of your total bill, but not always cover the full amount. It’s best to discuss your full policy before choosing an insurance policy.

Indemnity

Allow patients to cover any dental procedure necessary, regardless of networks. Patients typically pay a percentage of the total cost towards their visit. However, these plans typically cost more than others and the deductible may be higher at your appointment.

Dental Insurance Coverage

Dental insurance is a good option for patients that have more serious dental procedures that require care, as they tend to be more expensive. However, with some procedures, full coverage may not be provided. This will change from carrier to carrier, so it’s always best to check what will be covered before you make an appointment. Some insurance providers will also have a waiting period from the application of your insurance, to discourage patients from purchasing the insurance for a particular procedure and then discarding the insurance once the procedure has been done.

There may also be some restrictions on orthodontic coverage, or cosmetic procedures. Although orthodontics make for healthier teeth, orthodontics are primarily seen as cosmetic. Unless braces are helping you due to a medical condition, they may not be covered. The same goes for cosmetic dental procedures such as teeth whitening, veneers, or bonding. In some cases, patients can prove that a veneer is necessary due to a dental condition. However, in most cases cosmetic dental procedures are almost always paid out of pocket.

What is Dental Financing?

Dental financing is another method patients can use to manage the cost of their dental procedures as an alternative to insurance. Dental financing doesn’t work the same way as dental insurance, especially when it comes to coverage for procedures or maximum deductibles. Through this method, patients can apply for certain financing terms, depending on what’s being offered to them and what they’ll be approved for. From there, they can pay for their dental procedures over a series of weeks or months in lower installment plans. This way, instead of paying for that $4,000 dental bill up front, you can pay for it in smaller increments.

How Dental Payment Plans Can Help

At Castle Dental, there are a few payment plans patients can choose from. Choosing the right plan will be up to you and your specific needs. Perhaps you have a smaller bill that you know can be paid off quickly, you can choose to put money down and pay no interest in installments that work for you. We know that affording dental procedures can be tricky, even if you do have dental insurance. Using payment plans as an alternative helps make sure you get the quality care you need, without have to worry about putting it into your monthly budget, especially if it’s an unexpected expense.

  1. Low money down and no interest. When it comes time to pay for your dental procedure, you can use a low money down and no interest payment plan to take care of your bill. In doing so, you’ll be responsible for putting down some advancement to help cover your procedure. From there, you’ll pay smaller installments at no interest. For this type of payment plan, you’ll be required to bring in a valid photo ID and a checking account, credit card or debit card with you.
  2. No money down and no interest. Sometimes we don’t always have the money on hand to take care of our dental expenses, especially when they come up unexpectedly. One of the worst things you can do for your teeth is leave your oral care behind because you can’t afford it. Using this type of payment plan, you can still gain access to the care you need, without having to put any money down towards the procedure straight away. This payment plan is granted on approved credit.
  3. Extended terms up to 48 months at 14.9% promotional interest rate. Using this payment plan you can extend how long you’ll need to pay back your dental procedure. The payment plan is granted on approved credit and for promotional purchases over $1,000, making it a great option for more costly dental procedures. We offer fixed monthly payments based on repayment over 24, 36, or 48 month period.

Payment Plans at a Dentist Near Me

Finding a local dentist with payment plans that work for you is easier than you think! Just use our “dentist near me” ZIP code search to pull up one of the many Castle Dental locations in your area. We have a professional dental team that’s ready to help with all your dental concerns – including the financial ones. We know that dental care can be expensive, but with payment plans you can receive the care you need. Taking care of your smile first is not only great for your oral care, but it’s the financially responsible thing to do. Give us a call today at 1-800-867-6453; you don’t need an expensive insurance plan to improve your smile, our insurance alternatives are sure to fit your needs.