Accessing high-quality dental treatment can be expensive, but it doesn’t have to break the bank.
Whether you’re considering routine dental care or more complex procedures like dental implant work, understanding your finance options is crucial.
Here is everything you need to know about dental finance, from costs to payment solutions.
The importance of affordable dental care
Affordable dental care is vital for overall health.
Poor oral health can lead to serious conditions like heart disease and diabetes, and untreated issues can become more expensive to fix over time. Accessible dental care means patients can address problems early, preventing the need for costly treatments in the future.
Affordable care also boosts mental health, as healthy teeth improve appearance and confidence.
Why choose private dental care?
With private care, you can often access a wider range of dental treatments, including cosmetic procedures like teeth whitening or dental implants, which may not be available through the NHS. Private practices also tend to offer shorter waiting times, allowing for quicker appointments and more personalised care.
Additionally, private dentists typically provide flexible payment plans and finance options, making it easier to manage the cost of your treatment. If you want more treatment choices and a higher level of service, go private.
Understanding private dental treatment costs
Dental treatment prices can vary significantly. Here are some typical costs for common dental procedures:
Routine check-up: A routine check-up involves a general examination of your teeth, gums, and mouth to ensure everything is healthy and identify potential issues early. Expect to pay between £30 and £100 for this at a private dentist.
Fillings: Fillings cost between £80 – £350. They are used to restore teeth damaged by cavities, where the decayed portion is removed and replaced with a material such as silver amalgam or composite resin.
Teeth whitening: Teeth whitening is a cosmetic procedure to lighten the shade of your teeth, often performed at a dental clinic using bleaching agents for a brighter smile. It costs between £250 – £400 and is only available as a private treatment.
Dental implants: At £2,000 – £2,500 per implant, this is one of the most expensive treatments you’ll find. Dental implants are permanent replacements for missing teeth, involving the insertion of a titanium post into the jawbone to support a crown or bridge.
These are general price ranges, and actual costs may differ depending on the clinic, location, and complexity of the treatment. It’s always best to get an accurate quote and discuss payment plans or finance options with your dentist.
Dental financing options available to patients
Personal loans
Personal bank loans allow you to borrow a set amount of money and repay it over time. These loans often come with fixed interest rates, making it easier to budget for monthly payments. However, check the total interest payable before committing to ensure it fits your budget.
Credit cards
Credit cards offer flexibile financing for dental treatments. Some cards provide interest-free periods, but interest charges can be high after the period has ended. Always check the terms to avoid unexpected hidden costs.
In-house financing
Many practices now offer payment plans that allow patients to spread the cost of their treatment through monthly payment instalments. These plans are often arranged via credit broking services and could include an interest-free loan for most treatments.
Medicred
Medicred offers flexible dental finance solutions, allowing patients to spread the cost of dental treatments with monthly payments. Applying is easy – here’s how:
Complete the online application
Fill out the online credit application, which takes just a few minutes. Ensure you provide accurate details for a smooth process.
Receive a decision
Once you’ve submitted your application, you’ll receive a decision quickly. Approval is subject to status.
Finalise your agreement
If approved, review and sign your credit agreement. You’ll then be able to proceed with your treatment and set up monthly payments.
Making informed decisions about dental financing
If you’re considering a payment plan, ask about the credit provider and ensure they are authorised by the Financial Conduct Authority. Also, clarify the application process, credit decisions, and whether approval is subject to status.
You should also ask your dentist relevant questions about the cost of procedures and ensure you’re aware of any hidden costs. You should also ask your dentist relevant questions about the cost of procedures and ensure you’re aware of any hidden costs. A clear treatment plan and clear pricing are equally essential.
Compare financing options like direct debit instalments, interest-free loans, and monthly repayments. Ensure you know the total interest, if applicable, and whether the arrangement suits your individual circumstances.
Get the dental finance you need today!
Dental finance doesn’t have to be overwhelming. With options like finance plans, monthly payments, and even an interest-free loan from Medicred, the care you need is just a “yes” away. Speak to your dentist, ask the relevant questions, and consider the credit agreement carefully to make an informed decision.
