Dental Blog

5 Things to Know About Monarch Dental Financing

Monday, November 27, 2017
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We know that finding an affordable dentist can be the primary motivation when using a dentist near me search to schedule your next teeth cleaning. Many patients find they’ve been postponing or delaying their dental visits due to financial stress. Often times, this can lead to costlier (and more painful) dental experiences in the long run. You don’t have to let your finances impact the health of your smile. From dentist financing to dental plans, there are all kinds of ways you can save money while saving your teeth. We’re dishing out 5 things you should know about Monarch Dental financing and how it can keep more money in your pocket, and healthy teeth in your mouth!

The Importance of Preventative Care

As dental professionals, we’re a bit biased when it comes to understanding the impact of preventative care, but we can’t help it! Knowing how preventative care impacts the health of your teeth is one of the best ways patients can save themselves money in the long run. Preventative care allows you and your dentist to stay on top of any unsightly dental issues that can arise when left untreated. Staying on top of these dental issues makes them more manageable, and less costly.

Oral exams are one way patients can incorporate preventative care habits into their oral health routine. Scheduled at the discretion of your dentist, generally patients are seen every 6 months to assess the state of their teeth and gums. It’s at these oral exams that your dentist will check for signs of gum disease developing, potential cavities, and even oral cancer. Assessing this ahead of time can save you from issues further on, especially advanced periodontitis which can be irreversible after some stages.

Professional teeth cleanings are another way that preventative care can play a role in saving you money in the future. You can maximize the most out of your appointment by asking the right questions to develop healthier habits at home. These professional teeth cleanings also allow your dentist to scrape away plaque and tartar that has built up in hard to reach areas. After a while, this can be impossible to remove at home. In doing so, they’ll free your teeth of cavity-causing bacteria.

Monarch Dental Financing

1. Dental Insurance

Dental insurance is a great way to provide you with a financial safety net if you are expecting larger dental bills to come your way. Most policies also provide a few preventative care appointments to help stave off larger issues. Dental insurance plans will vary patient to patient, and plan to plan. At Monarch Dental, we accept most insurance policies, taking the hassle out of finding a dental professional that accepts your carrier. We also file claims for you, so you won’t have to worry about how do to handle your dental concerns when it comes to insurance.

One of the ways you can save money, is by shopping for a dental insurance provider that will cover your needs. If you think you may have some larger expenses incurred with more invasive procedures such as bridges, dental crowns, or root canal therapies, check with your provider to see what will be covered, or how much of the procedure will be covered. Perhaps it’s teeth whitening or other cosmetic procedures you’ve been hoping to get from your dental appointments. There are all kinds of dental needs that will depend on the patient. Understanding what your dental insurance will pay for, and what will be left up to you is important to prevent any unwanted surprises in the future.

Many employers may already provide dental insurance, at no cost or a reduced cost to you. They may even offer several providers or plans that you can choose from. Contact your HR representative at your employer to see if dental insurance is already offered within your compensation plan. You may already have coverage for you and your family!

2. Cash

An option many patients rely on for their dental services is simply to pay out-of-pocket. The downside to this is that in doing so, many patients tend to put off their dental needs because of the cost of their visits. At the very least, in using cash you’re only paying for what you need. Just be sure to include those preventative care steps as needs, and not an option to leave behind.

At Monarch Dental, we have several promotions and money-saving offers that patients can take advantage of to lower the cost of their visits. From teeth cleanings to teeth whitenings, there are several ways you can save the cash you have at hand on services you’re already looking for. The offers and coupons can change based on the office location participating, so you’ll have to use a dentist near me search to find which Monarch Dental offices are in your area. We also have an online search option where patients can enter their zip code and find what deals are closest to them.

The downside with using cash is that patients can be left with large bills for some more invasive procedures that may be unexpected. This means that abscessed tooth that was left untreated could quickly drain that cash you had set aside for a simple oral exam. Routine preventative care and at-home brushing and flossing habits can help minimize the chances of larger procedures from occurring. However, accidents happen or perhaps it has been a long time since your dental visit and you’re left with a dental issue that needs treatment asap.

If you are using the cash you have on hand, you can look to the OneSmile dental plan or reference some of the other ways patients have been finding affordable ways to save at Monarch Dental.

3. Credit Cards

If you have a preferred credit card that you use to pay for other items, you may want to look to use it for your dental bills. Depending on the card you have, several Monarch Dental locations will accept credit cards as a payment method. The option to pay back your balance will remain with what you’ve generally done as an agreement between you and your credit card company. The bonus to using your credit card can be taking advantage of any rewards you may incur for the use of your card, or special interest terms. All of this will depend on the type of credit card you have, so it’s best to check with your financial provider for guidance on how this type of payment can help save you money.

4. Flexible Spending Account (FSA)

Flexible spending accounts allow employees to set aside part of their income to remain untaxed to help pay for things like health care. Generally, these are things like preventing or treating dental disease. If you already use an FSA account, or are unsure where your dental care would lie along their guidelines, ask your employer for more information. If you have an idea of what your dental expenses would cost you can generally assess how much you’d like to put towards your FSA account.

In regards to cosmetic dental procedures, it’s always good to double check to make sure your FSA can be put towards this use. In some cases, cosmetic procedures such porcelain veneers or teeth whitening may not be covered.

5. Payment Plans

Another way to help manage your finances when it comes to dental care can be through the use of payment plans. At Monarch Dental, we have several payment plans patients can look to to help remediate the cost of their dental expenses. In doing so, you can reduce the cost of how much you’ll pay for your visit straight away over the course of a longer term. Our finance plans include a low down payment and no interest, no money down and no interest, or extended terms up to 48 months at 14.9% promotional interest rates.

Dentist Near Me

Finding an affordable dentist that offers quality care doesn’t have to be impossible. Just use a dentist near me search to find the closest Monarch Dental location in your area. From there, they’ll have several easy ways you can save on both preventative and non-preventative dental services. Whether it’s a teeth cleaning or a new dental crown, we never want your finances to make you sacrifice quality care. You can schedule an appointment with us by visiting us online, or calling us at 1-844-800-7645.