All You Need to Know about Financing Dental Braces

All You Need to Know about Financing Dental Braces

Confidence begins with your smile. The first thing people notice when they see you are your eyes or smile. Not everyone is born with a naturally attractive smile or has the luxury of undergoing dental treatment to improve it.

Having a flawed smile can lead to insecurities and anxiety. People often experience shame or feel embarrassed when they’re unhappy with their teeth. Some may avoid smiling or try to cover their mouths due to stains, crooked, or missing teeth. Being satisfied with your smile can boost your self-esteem and is linked to living a less anxious and happier life. An attractive smile boosts your confidence and will leave you wanting to find reasons to show off your pearly whites!

A few studies show that people with a healthy smile are more likely to care for their bodies than those who don’t. Dental care requires a lot of attention to detail, so if you can ace that, chances are, the rest of your body is also receiving excellent care.

You’ll want to keep smiling when your teeth are beautiful and in perfect shape. In fact, people who smile are more likely to live happier and healthier lives. Smiling releases endorphins, which trick your body into thinking you’re happy. Overall, it can boost your mood and immune system.

Talking of beautiful smiles, most people struggle due to crooked, poorly aligned teeth and need braces.

Let’s dig deep and learn what braces are, how they can boost a person’s confidence, and how dental patient financing can help people afford them.

What Are Braces?

Braces are a dental tool that helps align teeth or reform other issues such as an over/underbite or crowding. Many people get braces as teenagers because it’s easier to reform teeth in youth as the bones and teeth are still growing. However, this doesn’t mean that adults cannot get braces. They are just as effective in adults as they are in teenagers.

For those who could not receive braces at a young age, a few other options are available besides metal braces. Although braces are the most affordable option, some may choose other treatments such as clear dental aligners, ceramic braces, or teeth straightening surgery.

Aligners are clear retainers that are customized to fit your teeth. The most popular provider for aligners is Invisalign. They gradually shift your teeth to help you achieve a straighter smile ultimately. The benefit of these is that they’re clear and almost unnoticeable. You can remove them at any time to eat or drink, but you must commit to wearing them for long periods to see results.

Ceramic braces are similar to metal braces but resemble the color of the teeth. These braces are suitable for those not wanting their installments to be noticeable. However, they require extra care from plaque and foods that stain.

The last option is dental surgery. Each surgery is specific and based on the needs of the patient. Dental surgery is a more severe treatment and isn’t for everybody. People who need reconstructing to fix an over or underbite may undergo this surgery where they repair teeth and bones to realign. This surgery usually requires the patient to wear braces, which can take up to a few years. The entire process is lengthy and can be more painful.

Why People Choose Braces

The benefits of braces are everlasting. Most people get braces or aligners to reform their teeth for cosmetic purposes, but there are additional benefits that come with these treatments.

Aligners are convenient for those who wish to look as natural as possible. With the clear aligners, most people will not notice you wearing them. Another advantage of aligners is that they are easily removable. 

You can simply remove the aligners when you feel like returning to normal. You can do this when taking pictures or public speaking in front of an audience. Aligners are smooth plastic trays that are very comfortable to wear. They fit the mold of your teeth and hug tight against your teeth/gums.

Braces are result-oriented and practical, so most people choose them. They can affect your overall health. Braces help improve oral hygiene because crooked teeth can cause more build-up and plaque. Once aligned, it is easier to take care of teeth.

Braces can fix your bite, which can ultimately help your overall health. A misaligned bite is uncomfortable and can prevent you from properly chewing your food. Once your teeth are aligned, they will also assist in breaking down food better, positively impacting your digestive system.

Straightening your teeth can also prevent injuries. Protruding teeth are more prone to damage, but you can avoid it by aligning them by getting braces. They can also help with improving your speech. Some people may experience a lisp from a misaligned bite or teeth. But all in all, braces can improve your teeth and help you speak clearly.

Not everyone can afford braces when they want. Most parents can financially struggle to get their kids braces during their growing years. Or adults may find they don’t have enough money for the same. What to do in such a situation?

Dental financing is the answer!

The cost of braces or any orthodontic treatment can scare people away from getting their teeth aligned. Braces can cost anywhere between $3,000 to $10,000. There are a few options when paying for braces. It may be affordable for some, but financial assistance, especially dental financing with bad credit, is also available for those who do not have the best credit scores.

Loans

One option for those seeking financial assistance is applying for a dental loan. A dental loan is considered a personal loan, so your approval rate highly depends on your credit score. If you have bad credit, there’s a high chance that you won’t receive this loan.

Dental loans usually have higher interest rates because the option to add collateral is not available. Collateral is when you provide security for your loan if you fail to repay it. For example, if you apply for a mortgage, your house is considered collateral. If repayment is not possible, the bank has the right to seize your home to compensate for the unpaid payments.

In this case, dental loans cannot undo a service you receive, so offering collateral is not an option. In addition, applying for a dental loan will require a hard credit check which can negatively affect your score if you’re not approved.

Credit Cards

Like most credit card users, you can add your dental costs to your credit card. It is not necessarily the best option, especially if you’ve already got a high balance on your card. Dental credit cards are also available. These cards are made specifically for your dental needs and are available to those who require large amounts of finances.

Applying for a dental credit card also depends on your credit score. You can either be rejected or receive a high APR if you have a low score. A dental credit card is not the best option because it adds to any additional loans you may currently have. Having too many open credit lines can damage your credit, and if you cannot repay the loan in time, you could be penalized dearly for it.

You could get lucky if you come across a financial institution offering a low APR. In that case, getting a dental credit card is not harmful, but be sure to check the terms and conditions before opening an account!

Financing

Dental financing is available if you’re looking to repay your costs over time. You can ask your dentist if they offer in-house financing or go through a lending platform instead. Through financing, you can break down your bill into monthly payments and gradually repay your debt.

Through Denefits, you can easily plan out your payments and budget accordingly. This platform allows you to pay as you go while simultaneously receiving your treatment. You can choose the interest rate that suits you best and determine your monthly payments based on the amount you choose to place as your down payment.

For dental businesses, Denefits is a great platform to retain patients. By providing flexible payment plans, your patients are more likely to return to you for future services. The best part about Denefits is that it gives guaranteed payments to your practice while you offer guaranteed dental financing to your patients. Even if a patient fails to make a payment, Denefits ensures you receive the full financed amount.

It also allows patients the flexibility to determine their payment plan and power over their finances, which helps them feel more in control.

There are many advantages to using Denefits both for the patients and dental businesses. For more information, visit denefits.com and book a free demo today!

You can also download the Denefits app on your device for free.

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