According to the 2015 NADP/DDPA Joint Dental Benefits Report, 64 percent of Americans (about 205 million people) had dental benefits in 2014. About 114 million Americans had no dental coverage.
It’s been shown that people who have dental benefits go to their dentist more often. But even if you are one of the millions of Americans who are not insured, preventative care is just as important as going when you feel a toothache. It’s also likely to save you money in the long run.
Whether or not you have dental insurance, there will come a time when you will need to cover a portion of your dental costs. When you’re talking about your regular teeth cleaning visits, it’s not usually a financial burden. But what about those times when you need a procedure that leads to a significant out-of-pocket expense?
For a lot of people, having a backup plan can provide some extra peace of mind. One way to do so is with CareCredit, a healthcare credit card that can help cover your medical expenses, including dental work that you can’t cover yourself.
Even if you can cover the extra expenses, CareCredit can be a convenient resource if you don’t want to tie up your money immediately. While it’s a credit card, a CareCredit card comes with a significant benefit you won’t find in your typical Visa, MasterCard, or any other standard credit card.
CareCredit offers 0 percent financing for up to 12 months on expenses that exceed $200. All you need to do is pay the minimal monthly payment and pay it in full by the end of the promotional period. That makes most dental emergencies manageable.
CareCredit has even entered the mobile app game. Last year, the company announced an app that allows CareCredit cardholders to access account servicing, plus a provider location finder, and the ability to receive alerts for when payments are due and when promotional offers expire.
If this sounds like something you’d like to take advantage of, we’ll be happy to discuss the details upon your next visit.