Affordable Dental Treatment
Affordable dental treatment is a real concern for most dental patients. In Arkansas, Tennessee and Missouri all of the Higginbotham Family Dental locations can help with those concerns. Higginbotham Family Dental is sharing the ultimate guide to affordable dental treatment for their patients. There are certain things patients can look for when choosing a dental office as their provider to make dental treatment more affordable.
Choose A Dental Office In-Network With Your Dental Insurance
Most dental offices are not in-network with all dental insurance carriers. When a dental office is in-network with your dental insurance, this means they are contracted to take in-network discounted rates for dental procedures. Some dental procedure prices can save patients up to hundreds of dollars per procedure. That is to say, a dental office in-network with your dental insurance will take an in-network write-off of their fees so you are only charged the allowed fee amount that they have negotiated for you. Some dental offices choose to not d
o this because of the write-offs. However, at Higginbotham Family Dental they are virtually in-network with almost every insurance. For example, all locations are in-network with major dental insurances like:
- Delta Dental
- Blue Cross Blue Shield
- Dental Network of America
- United Concordia
- United Healthcare
- Blue Cross Blue Shield Federal
- MCNA (AR only under the age of 19)
- Delta Smiles of AR (under the age of 19 only)
- Cigna and many more.
For a full list of insurance carriers that Higginbotham Family Dental locations are in-network with, visit their dental insurance page on their website.
Choose A Dental Office With Payment Plans For Dental Treatment
One of the most important things to consider in this ultimate guide to making dental treatment affordable is finding a dental office that has payment plan options that work for your budget. Even with dental insurance paying a portion of your copay, dental treatment can still seem expensive or not in your planned budget. Higginbotham Family Dental recognizes this concern for patients and has come up with an in-house financing option as well as offer a third party financing option. All ten locations in Blytheville, Jonesboro, Paragould, West Memphis and Little Rock, Arkansas, Memphis and Bartlett Tennessee, and Kennett, Missouri can start treatment right away with a payment plan option if needed.
Care Credit Payment Plans
There are several ways to sign up for financing. For third party financing with Care Credit, patients can go to the website and fill out the application online with an immediate answer of approval or not, and for how much. Patients can use the line of credit for that very same day. Care Credit works like most credit cards, but it allows a 6-12 month interest free payment plan for patients.
The biggest issue some patients find with this option is if they miss a payment, the interest free plan jumps as high as over 20 percent interest of the remaining balance. Another negative to a third party financing like Care Credit is if a patient’s credit score is very low, then approval is not likely or a low limit is all the patient can get. Also, it will pull your credit score and some patients do not want the credit hit on their credit report. So, as long as you have good credit and make your monthly payments on time, this maybe a great option for you.
In-House Payment Plans
For patients that prefer payment plans without it affecting their credit report, or don’t want any interest on their balance, then the in-house financing with Higginbotham Family Dental may be the better option. The in-house payment plans are interest free and does a soft pull on patient’s credit. This soft pull will not show up or affect their credit score. There is a small transaction fee to set up for the plan once the patient accepts it. A down payment is a requirement before dental treatment starts. Down payments are dependent upon a combination of things. There are several key factors that the office considers in the payment plan process. No two patients are the same and dental payment plans will vary. Dental treatment plans, patient credit score, and patient history at the dental office all play a factor. You can apply two ways:
Patients can go to the the Dental Payment Plan page on the Higginbotham Family Dental website. First the application will be under review in the finance department. Then, a financial coordinator will call the patient to go over the payment options and to get scheduled for the dental treatment. All patients must have an exam and x-rays before any down payments or monthly payments can be decided.
All patients that have a treatment plan presented to them by the dentist will also have a financial coordinator go over estimates. At this time a patient can ask more about payment plans and fill out an application. Some applications are processed quickly so patients can get treatment done on the same day. For others looking to start treatment on a different day, they will get called within two business days of applying with results of the payment plan options. If the amounts are still too high, the dentist and financial coordinator work with the patient to prioritize what is most important first to complete in phases to also help with affordability while maintaining good oral health.
Choose A Dental Office With A Discount Dental Plan For Uninsured Patients
Many patients put off going to the dentist because they don’t have insurance and have not been to the dentist in a while. For patients that don’t have insurance, one of the best tips from this ultimate guide to affordable dental is finding a dental office that has a discount dental plan. Preferably one that is done by the office and not a third party.
Benefits Of A Discount Dental Plan Membership
Higginbotham Family Dental has several membership options for patients. Included in every membership per patient are two exams a year, these can be emergency, periodic or comprehensive. Two teeth cleanings a year. These cleanings can be routine cleanings or for periodontal maintenance cleanings for periodontal patients. Also included are two sets of x-rays. These could be individual periapical x-rays, bitewings series, or a full mouth or panoramic series of x-rays. Along with all this each patient on the membership plan will also get two fluoride treatments to help prevent future cavities. The above treatments combined is valued at a minimum of $530 with out the discount plan.
Finally, the last and most significant benefit as a member of the Higginbotham Family Dental Discount Dental Plan are the unlimited discounts patients receive off of their dental treatment. Patients save hundreds and sometimes thousands, depending on the treatment. There is no waiting period or clauses that keep patients from getting the treatment needed right away. An example of an estimated savings for a patient needing a molar root canal, crown and build up is $387. This savings alone helps the plan pretty much pay for itself. So if a patient does not have insurance, the Discount Dental Plan is the best option for savings to make dental treatment more affordable.
Cost of a Discount Dental Plan Membership
There are three different plans that patients can choose from when deciding which plan works best for them. Each plan is a 12 month contract. The plan starts the date of sign up and goes until the following year. Patients can sign up for an individual plan. They can also sign up for an individual plus spouse or individual plus with up to two children plan. Finally, patients have the option for the biggest family plan of individual plus spouse and child or children or the individual plan plus three or more children plan.
The individual plan is $300 a year if you pay it in full at the time of sign up. Paying it in full gives you a $60 discount. For patients that can’t pay the amount in full, Higginbotham Family Dental has a monthly payment option for the membership plan. Patient’s will make the first payment of $30 at time of sign up, and then an additional 11 payments of $30 a month will be auto-drafted from their checking account for payment. This auto draft option, after 12 months, has the membership at $360 and will auto renew at the end of the 12 months. Patients can cancel the plan, but only after 12 months have been paid and must request a cancellation 30 days prior to the renewal date.
Individual Plus Spouse or Individual Plus Up to 2 Children Plan
This plan is $500 a year if you pay it in full at the time of sign up. Paying it in full gives you a $100 discount. For patients that can’t pay the amount in full, Higginbotham Family Dental has a monthly payment option for the membership plan. Patient’s will make the first payment of $50 at time of sign up, and then an additional 11 payments of $50 a month will be auto-drafted from their checking account for payment. This auto draft option, after 12 months, has the membership at $600 and will auto renew at the end of the 12 months. Patients can cancel the plan, but only after 12 months have been paid and must request a cancellation 30 days prior to the renewal date.
Individual Plus Spouse and Children or Individual Plus 3 or more Children Plan
This Family plan is $800 a year if you pay it in full at the time of sign up. Paying it in full gives you a $100 discount. For patients that can’t pay the amount in full, Higginbotham Family Dental has a monthly payment option for the membership plan. Patient’s will make the first payment of $75 at time of sign up, and then an additional 11 payments of $75 a month will be auto-drafted from their checking account for payment. This auto draft option, after 12 months, has the membership total at $900 and will auto renew at the end of the 12 months. Patients can cancel the plan, but only after 12 months have been paid and must request a cancellation 30 days prior to the renewal date.
Examples of Discount Dental Plan Savings
Great examples of why the Discount Dental Plan made the list for the ultimate guide to affordable dental treatment below. More treatment and savings are not listed. For more information on the plan contact a local Higginbotham Family dental office or request an appointment online.
Estimated Savings from the Discount Plan
- Three Unit Bridge-$546
- Four 3 surface posterior fillings-$236
- Periodontal Treatment-$322
- Six Surgical Extractions and a Partial-$666
- Surgical Implant Treatment for one tooth-$381
- Traditional metal braces-$500
- Snap On Smile (one arch)-$382
Find Your Location