Dental insurance is effective for keeping your teeth healthy and functional by covering most or all preventive appointments or treatments. When the cosmetic dentistry services you desire reach beyond the normal scope of insurance, there are other just as effective ways to pay for your procedures.
Why doesn’t dental insurance cover cosmetic dentistry treatments? As with medical insurance, dental insurance generally does not cover treatments that are not considered necessary. Be sure to contact your dental insurance representative before undergoing treatment to learn if you have any coverage for cosmetic procedures. However, since most cosmetic dentistry procedures are elective, you may need to pay out-of-pocket or use different payment options.
Options like third-party financing and healthcare credit cards can make pricey cosmetic dentistry treatments affordable, so you can receive the smile transformation you need to feel confident and attractive. Choose one or more of the following and get the smile of your dreams!
Health Savings Account
A health savings account allows you to deposit pre-tax earnings each month. This money can be used to pay for dental expenses not covered by insurance, such as cosmetic treatments. HSAs come with certain restrictions, so be sure to read the fine print before opening an account.
Another way to pay for expensive cosmetic treatments is through third-party financing companies like GreenSky® and Proceed Finance. These companies provide short and long-term loans to cover the cost of cosmetic procedures like dental implants (which may not be covered by dental insurance).
Healthcare Credit Card
Another option, healthcare credit cards like CareCredit®, provide a worry-free way to pay for cosmetic dentistry treatments like porcelain veneers. CareCredit offers shorter-term and extended financing, with no interest charged if you make the minimum monthly payments.
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