How to Finance Dental Veneers

Dental veneers can be a considerable investment, especially if you take into account that many dental insurance plans consider them purely cosmetic and do not offer coverage. If you are a good candidate for dental veneers and are sure that the investment is worth it, there are some options available to help you finance the procedure.

Difficulty: Moderately Challenging

Instructions

1. Talk to your dentist about the possibility of setting up a payment plan. While most dentists would prefer advance payment, they may accept monthly payments if they know you well or if you agree to make a down payment on the procedure.

2. Charge it to your credit card. Choose a card that offers low interest rates, or sign up for a new one that charges no interest for the first 6 months of use. Just be sure to pay back the whole amount over that 6-month period.

3. Consider going abroad. Medical tourism has expanded considerably over the last few years, and it now encompasses cosmetic dentistry, as well. Top-of-the-line dental clinics in Asia and the Middle East (especially Thailand, Dubai and Hong Kong) offer dental veneers at prices much lower than you would find in America. Just make sure you verify the credentials and experience of the people involved. Many belong to the ADA or similar organizations and have partners in the U.S. or Europe.

4. Finance your dental veneers through a company like Care Credit (see Resources below). Care Credit offers low-interest financing as long as you have a good credit history and are able to make regular payments.

5. Choose resin veneers over ceramic ones if money is an issue. Since resin veneers are three to four times cheaper than porcelain ones, they may be the best choice for you if you don't qualify for financial assistance and don't want to wait to have veneers done.

Tips & Warnings

• Have your insurance cover any treatments needed to prepare you for veneers. These may include cleaning, cavity repairs and gum treatment. These are legitimate charges, and you should not have to pay for them out of pocket.
• If your dentist insists he may be able to get your insurance to cover the cost of veneers, be wary. Since the procedure is not legally covered in most cases, you are at risk of committing insurance fraud-which could result in severe penalties.

Resources

• Care Credit to finance dental procedures not covered by insurance

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