CareCredit is a great way to pay for dental costs you may not afford upfront. Thankfully, it’s relatively easy to find dentists that work with CareCredit using their website. Here, we discuss CareCredit, if you can use CareCredit alongside your dental insurance, and how to balance using a CareCredit card for your dental bills when you can afford to pay your bill outright.
Remember, while CareCredit is a valuable tool to help balance dental care costs, it is a credit card, so research rates and monthly fees before committing to a CareCredit card.
What Is CareCredit?
CareCredit is a credit card used exclusively for dental and medical services. Unlike other credit cards, CareCredit can only be used for medical or dental costs and not at different locations. However, CareCredit may also be used for pet wellness in some circumstances, which gives it further use for the average person.
While CareCredit is a credit card, it offers unique financing options for healthcare costs, making it a valuable tool for anyone unable to pay their dental bills outright. CareCredit can also help with dental costs that your dental insurance may not cover, including aesthetic procedures or orthodontia. CareCredit also offers reduced APR costs and financing options for healthcare plans, which is not usually provided via standard credit cards.
Be sure to read the terms and conditions that come with your CareCredit card before applying. For example, some promotional agreements do not apply to the full CareCredit term of use but may be helpful for specific procedures and situations, such as when you can only pay part of your dental bill.
Can I Use CareCredit with Dental Insurance?
Yes, CareCredit can cover copays and other costs your insurance does not cover. Working with both your dental insurance and CareCredit can significantly lower your initial out-of-pocket costs and make many dental bills manageable. Of course, remember that CareCredit charges interest on purchases if you have an outstanding balance outside of the promotional period, so be sure to talk with a financial advisor before committing to a healthcare credit card.
Do I Use CareCredit if I Can Pay My Dental Bill in Full?
If you can pay your dental bill, there is no need to use CareCredit. CareCredit is for situations where you cannot, or would rather not, pay your entire dental or medical bill out of pocket. If you want to delay paying back your dental bill, use your CareCredit card and pay back the purchase immediately.
This applies best when you’re waiting for a paycheck to clear. However, suppose you can pay your dental bill in full while you could use your CareCredit card. In that case, paying your bill outright is an excellent way to avoid interest and fees outside the promotional period.
If you’re looking for a CareCredit dentist in Texas, check out Coolbreeze Dentistry. Our team of experienced receptionists can answer any questions you may have about billing, so call us today at (972) 432-8811 to schedule an appointment.