When one starts to experience discomfort and the pain is starting to increase, an immediate visit to a dentist is a must. If you have a dental insurance, then you are more likely to make the call right away and get treatments you need. However, for many people the access to a dental insurance is not available. Even for a person with a dental insurance, some of the treatment costs can go beyond what the insurance plan allows and there may be additional treatment cost that needs to be dealt with.
One of the most under utilized financing options at our office is CareCredit. CareCredit is not an in-house financing, but rather a credit account with payment options. You can think of it as a credit card that can be used in participating medical facilities or other participating merchants. Since it is a credit account, you will need to apply for a specific amount of credit through CareCredit. It takes very short time at our office or you can apply ahead and establish the credit before your treatment. If you already have a CareCredit account, then we just need your account number.
So, why do we offer CareCredit? We offer this option to aid our patients to help pay for the needed dental treatments over time. It is very important to know how to take advantage of CareCredit so you can finance your treatment at 0% interest.
The following is from the CareCredit website and it explains how CareCredit works.
CareCredit is different from a regular credit card.
Use it to pay for out-of-pocket expenses not covered by medical insurance, and special financing options are available that you may not be able to get with other cards.
Pay for health, and wellness care at over 200,000 enrolled providers across the nation. Once you’ve applied, you can use it again and again at any location that accepts CareCredit.
With shorter term financing options of 6, 12, 18 or 24 months no interest is charged on purchases of $200 or more when you make the minimum monthly payments and pay the full amount due by the end of the promotional period. If you do not, interest is charged from the original purchase date.*
CareCredit also extends longer term healthcare financing for 24, 36, 48 or 60-month periods with Reduced APR and Fixed Monthly Payments Required Until Paid in Full. Purchases of $1,000 or more may be eligible for a 24 months offer with a 14.90% APR, a 36 months offer with a 15.90% APR or a 48 months offer with a 16.90% APR. Purchases of $2,500 or more may be eligible for a 60 months offer with a 17.90% APR.**
Ask your provider to find out which promotion is right for you. You do not need to select a promotion before you apply.
**Subject to credit approval. Details and Terms
Now you know how the CareCredit works, you can take advantage of interest free financing at Financial District Dental Care.
Financial District Dental Care participates in 12 months DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion through CareCredit.
Please ask our front office manager for any questions you might have or contact our office and schedule a consultation with Dr. Hahn today.
Financial District Dental Care
Dr. Raymond C. Hahn, DDS