When it comes to paying for dental care, financing options run the gamut from low-cost dental plans provided through state programs, to dental benefits provided by an employer, to private insurance which tends to be more expensive, to paying out-of-pocket. Yet another dental care financing option is CareCredit.
CareCredit is not insurance, rather, it is a health care credit card program. The program provides individuals with a revolving line of credit that can be used to pay out-of-pocket health care costs that are not covered by their insurance plan, i.e., co-pays and deductibles. Unlike insurance plans which require the policy holder to pay an up-front annual fee (deductible), with CareCredit there are no up-front costs.
CareCredit can be used to supplement payment for a range of dental procedures including fillings, tooth extractions, braces, cosmetic dentistry procedures, and more. CareCredit offers 6,12,18, and 24 month promotional plans with no interest charged as long as all the minimum monthly payments are met and the full amount is repaid by the end of the promotional period. There are also CareCredit plans with longer repayment periods (up to 60 months) and higher credit limits but these plans come with a fixed interest rate. Not all dentists accept CareCredit and those who do may not offer all of the CareCredit plans, so you should call your provider to discuss your options.
Before you apply for CareCredit, do your research and make sure you have a thorough understanding of the program’s terms and conditions. Some people have had unsatisfactory experiences with CareCredit, citing issues such as poor customer service and high interest rates. As with any dental financing option, there are pros and cons to CareCredit and understanding what you’re signing up for is the best way to avoid unexpected costs and disillusionment.
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