Exploring Dental Financing Options: How to Pay for Expensive Dental Procedures in Decatur, GA

Are you in need of dental work that your insurance provider doesn’t cover? Understanding how to finance dental procedures is crucial to ensuring you receive the necessary care. At Metro Decatur Dental Group PC, we care about providing you with the information you need to access the dental services you require, while also accommodating your financial situation and supporting the local Decatur community.

Four Ways to Finance Dental Procedures

• Insurance: Before scheduling major dental procedures, it’s essential to contact your insurance provider. While some dentists may accept your insurance or be in-network, certain treatments may not be covered. Dental insurance often focuses on medically necessary procedures, which can vary based on your provider and individual health benefits.

At Metro Decatur Dental Group PC, we accept insurance from most major preferred provider organizations (PPOs), ensuring our patients can maximize their dental benefits.

• Payment Plans: We understand that cosmetic dental care or emergency services can be financially challenging. To ease the burden, many dental practices, including ours, offer flexible payment plans. These plans can be in-house or facilitated through third-party services. When considering a payment plan, it’s crucial to understand the coverage it provides and any associated fees or interest.

For our patients undergoing extensive treatments, Metro Decatur Dental Group PC offers interest-free payment plans to make dental care more accessible.

• Health Savings Accounts (HSAs) and Flexible Spending Arrangements (FSAs): Investing in a health savings account (HSA) can be a beneficial financial strategy. The funds deposited in an HSA are considered untaxable income, and they can be used for various health care expenses, including copayments, deductibles, and non-covered treatments. However, whether HSAs cover dental work, especially cosmetic procedures, depends on the account.

If you have a high-deductible health insurance plan (HDHP), you may be eligible for an HSA through your employer or a private entity. Additionally, flexible spending arrangements (FSAs) offer similar tax benefits, but they are usually employer-managed and must be funded annually.

At Metro Decatur Dental Group PC, we gladly accept approved funds from both HSAs and FSAs to support our patients’ dental needs.

• Dental Loans: For patients seeking cosmetic dental care, personal unsecured loans can be an option. While some companies offer dental financing with competitive interest rates, it’s essential to compare long-term costs and benefits with other payment methods. Dental loans can be a preferable alternative to using personal credit cards, providing you with more favorable rates and terms.

Metro Decatur Dental Group PC is pleased to work with reputable dental financing providers like CareCredit, offering our patients an accessible way to manage their dental expenses.