Dental financing

Dental financing spreads the cost of care over a period of time. The ADA's MouthHealthy site says financing is sometimes offered to make paying more manageable and can involve the use of a credit card. Offers range from in-office payment plans to outside lenders.

Read the terms before you agree. Check the monthly minimum payment, the interest rate, and what happens when a no-interest period ends. Paying only the minimum may not clear the balance before the offer ends.

Financing is different from insurance. You still owe the whole balance. Tax-advantaged accounts such as an FSA or HSA can help too. This entry does not describe a specific offer. See the insurance and financing page for the practice's options.