You will have to visit your dentist due to various reasons. Apart from your regularly scheduled visits to the dentist, you will have to get there to treat potential cavities, severe toothaches, issues in gums etc. Regardless of the reason, the visit you pay to the dentist obviously incurs some cost. If you are a monthly salaried person, however, and you already have spent the majority of your salary, you may have to think of a different payment method. The most popular option anybody would opt to in the absence of cash in hand is credit cards. As payment methods, both cash and credit cards have their own positive and negative points.
It is true that dental credit cards bring you immense convenience compared to carrying a lot of money in your wallet. However, this method is associated with some drawbacks too. Let’s take a look at the most noticeable drawbacks associated with dental credit cards.
Reasons you must be careful when using dental credit cards
The medical credit cards you can obtain today come with different interest rates. Most of these credit cards are offered with various interesting features and the vendors try to convince this product to be a very handy option in terms of credit facility. As they say, the sooner you settle the amount owed, the interest will be less (or zero).
Practically, if you have a relatively small amount to settle, you are likely to settle it sooner (probably within 18 months or so). Such facility might not make you pay large amount of interest. Opposed to this situation, if you the procedure is a more expensive one, you may need more time to settle it and the amount of interest you will have to pay therefore will be higher than you expect. In the event of failing to complete the payments within the agreed period, you will have to pay more money back probably as a penalty.
IT MAY AFFECT YOUR CREDIT SCORE
In reality, a considerable number of people have poor credit score due to various reasons. Also, some of the people have smaller income. Both of these aspects leads to a special situation where you will get a medical credit card with a small credit limit. This might eventually make you to spend your available credit on an expensive medical procedure with your dentist. The end result can be rather unpleasant; it might affect your credit score negatively preventing lenders to reject your future facilities.
Despite the downsides we mentioned above, paying your dentist’s bill with a credit card can be a smart move in certain cases. For instance, if you are to take a costly but an unavoidable treatment from your dentist, the credit card will probably be the most obvious alternative you will have. However, in this case, it is always better to depend on a card that does not eat up all of your available credit. Also, it is important to opt to a credit card that incurs practically affordable payment at the end of the month. However, at the bottom-line, we don’t think that using a credit card is not the best solution to depend on.
As we believe, paying with credit card is not the only option people can consider when it comes to covering an expensive dental procedure. Here are some of those methods you can try.
CONSIDER DISCOUNT APPROACHES
There are several places in your society that may offer dental treatments at fairly affordable rates. For instance, a dental society might offer sophisticated dental treatments at a very convenient price compared to expensive dental clinics. Apart from that, at some dental clinics, you may be able to get at least some sort of a price reduction if you can pay the amount in cash.
Moreover, before you actually visit a dentist to get a respective procedure done, it is always better to do some research. You don’t have to walk physically from one dentist to another; you can sit at your table and do an online price comparison.
SOME DENTISTS MAY HAVE OTHER FINANCING OPTIONS
As a great option for those who are unable to pay for their dental procedures upfront, some dentists offer financing solutions that are structured by the respective clinic itself. Most of the time, these financing solutions are interest-free. More importantly, credit bureaus have nothing to do with these in-house financial solutions as long as you make the payments according to the agreement. Upon failing to make a payment, you may still have a chance to negotiate with your service provider (dentist) perhaps to restructure the installment plan. Compared to conventional credit facilities and credit cards, such option would be much better in many ways.
However, we strongly advise that you don’t select a dentist just because they offer you financing options or very attractive price. Instead, you have to check if they are a reputed institute that has some history. If they have a website (they should), you may go to their customer testimonials page and read the reviews left by the previous customers. Also, you can ask around from other people (such as your colleagues, friends and relatives) about a reputed dentist in your locale.
MAINTAIN A BETTER ORAL HYGIENE FROM NOW ON
As per the good old saying, prevention is better than cure. Adding more value to that statement, we believe that prevention is affordable than cure. If you maintain a better oral hygiene all the time, the issues you will have to face in the future will be significantly minor. For instance, if you visit your dentist regularly (as per the schedule), you have more chances of identifying potential issues at their earliest stages and treat accordingly. Such treatments are significantly affordable compared to serious dental procedures and that can save you both money and time.
It is always nice to stay away from credit cards whenever it is possible. Spending money which you don’t have (using a credit card) at the moment can develop into a bad habit pretty easily.
ABOUT THE OFFICE
Dr. Smile is in the Los Angeles South Bay area, serving patients from El Segundo, Inglewood, Del Air, those around the LAX airport, and nearby areas. Dr. Hossein Javid is the lead dentist at this office. Dr. Javid has spent his career developing expertise in a number of areas, including dental implantation and the use of high-tech lasers and other equipment. He is the founder of our dental center, and his vision has helped us become a premier provider of world-class dental services.