Financing Your Cosmetic Dentistry

By: Patricia Woloch
For many people, today's economy can be tough. Gas and food prices are rising; the power of the dollar is falling; areas of the country are witnessing an alarming amount of foreclosed homes. The list of economic trouble goes on and on. How is one supposed to keep smiling through all of this? And, if you feel you are in need of cosmetic dentistry before you can smile, how can you even begin to contemplate something that you may consider a luxury?

Although cosmetic dental procedures have generally been thought of as only for the wealthy, the field has gone through changes where it is possible for those who don't make hundreds of thousands of dollars a year to afford cosmetic dentistry. Still, short of knocking over a liquor store or selling your kids, how does one afford cosmetic dentistry?

Many types of health insurance will cover cosmetic dentistry if it has been determined that it is for functionality rather than simply aesthetic. General dental hygiene, or procedures such as neuromuscular dentistry to relieve the pain associated with temporomandibular joint disorder (TMD), dental implants, or bridges may be covered. Check your health insurance provider.

Yet, many people may not have health insurance, or want to enhance their smiles aesthetically but are not able to afford the procedure, or procedures, they want. In cases of this nature, financing through the cosmetic dentist is a possibility. Companies such as Capital One offer loans of amounts up to $25,000. Payment plans can be 18 to 60 months, depending on the type of loan you get. APRs are fixed and can be as low as 1.99%, or up to 23.99%.

While these are just two of the options available to finance your cosmetic dentistry, there are others. Capital One is not the only company that offers a healthcare plan. Don't let an economic bump in the road keep you from the dental care you deserve. In the end, you'll be happy you visited a cosmetic dentist.

Dental Surgery
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