Dental financing can make a big difference when treatment costs threaten to delay the care you need. Financial concerns already keep many Americans from seeking medical attention. In fact, a Gallup poll found that in 2022, 38% of Americans postponed medical treatment for themselves or a family member because of cost. And if paying for medical care is already a challenge, where does that leave dental patients? Dental insurance often comes with annual coverage limits and restrictions, leaving patients responsible for expenses that can add up quickly.
At J. Michael Williams, DDS, in Dunn, NC, we understand that paying for dental treatment isn’t always straightforward. Through Cherry and CareCredit, we provide dental financing options that can help you spread eligible treatment costs over time. From routine dental care to extensive tooth replacement, financing may cover more than you expect.
What Treatments Can Dental Financing Cover?
Dental financing isn’t reserved for expensive procedures or major dental work, and you don’t necessarily have to wait until you need extensive dental work to explore your payment options.
Dental services you may be able to finance include:
- Preventive dental care: Routine exams, professional cleanings, X-rays, and other services that help maintain your oral health.
- Restorative dentistry: Dental fillings, crowns, and other treatments that repair damaged or decayed teeth.
- Tooth replacement: Dental implants, bridges, traditional dentures, and implant-supported restorations that replace missing teeth.
- Orthodontic treatment: Invisalign clear aligners to straighten teeth and correct alignment problems.
- Cosmetic dentistry: Professional teeth whitening, dental bonding, and other treatments that improve the appearance of your smile.
One important advantage of dental financing is that treatment doesn’t necessarily have to qualify for insurance coverage to be eligible. Even elective procedures, such as Invisalign, may qualify for financing.
Keep in mind that eligibility depends on the financing provider, your approved amount, and the payment arrangements available at our office. Our team can help you explore which options apply to your recommended treatment.
How Does Dental Financing Work With Insurance?
Dental insurance and dental financing can work together, but they serve different purposes. Your insurance plan may pay for a portion of your treatment, depending on your benefits, annual maximums, and coverage limitations. Financing helps you manage eligible expenses that insurance doesn’t cover.
At J. Michael Williams, DDS, we’re out of network with insurance providers, but we accept most dental insurance plans and file claims on your behalf. Our team can review your benefits and provide an estimate of what you can expect to pay out of pocket.
From there, you can explore financing through Cherry or CareCredit for eligible expenses. Depending on your approval and repayment terms, you may be able to divide your remaining treatment costs into monthly payments.
Insurance estimates can change once a claim is processed, and financing approval depends on the provider’s terms. Reviewing both ahead of time helps establish what your insurance may contribute, what remains your responsibility, and how financing could fit into your treatment plan.
Explore Your Options for Affordable Dental Care in Dunn, CN
The cost of dental treatment shouldn’t be the only thing determining when you receive care. Whether you’re due for a routine appointment, need to repair a damaged tooth, or are planning to replace missing teeth, we’d like to help you explore your options.
At J. Michael Williams, DDS, we’ll discuss your treatment needs, review your anticipated expenses, and help you explore dental financing through Cherry or CareCredit. Our team can also help you understand your insurance benefits and the costs involved.
Contact our Dunn, NC, office to schedule an appointment and discuss how we can help you plan for the dental care you need.
