When financing crowns, bridges and implants, there are three very different financing options, which differ in terms of term, costs and contracting parties. Of course, you can also pay the dentist’s bill as normal from current income or with the overdraft facility, but the latter causes comparatively high costs. Therefore, read more about loans to be granted once or an ongoing insurance contract, the so-called dental supplementary insurance.
Comparatively new: the financing mediated by the dentist
If you want to take out a loan for a dentist’s bill, you usually only think of classic bank financing. However, many dentists offer the possibility to finance the additional payments after they have been arranged through a billing partner or his bank! This billing service provider, who otherwise only bills the portion of the cash benefits and sends you an invoice for the remaining amount on behalf of the dentist, also takes care of the financing after the patient’s credit application. The advantage is treatment and financing almost from a single source.
The classic installment loan as financing
Thanks to the introduction of Internet comparisons and the computer-aided calculation of loan offers, smaller amounts of credit from many providers of $ 1,000 or 1,500 are now possible. This means that there is nothing standing in the way of financing the dentist’s bill through a normal bank loan. The interest rate is then calculated as for any other use and the loan amount is transferred to the borrower. However, we recommend that the terms should be as short as possible, because you want to pay off a loan with a longer term for something more pleasant than the dentist’s bill! A disadvantage of this loan for dentist bills could be the long-term business relationship between dentist and billing service provider, which may not motivate you at the best possible interest rate.
Indirect financing: reduction of the additional payment
Over the years, the scope of statutory health insurance benefits has been reduced as part of the privatization of risks. This can make dentures really expensive, especially if you want to opt for high-quality dentures. The additional payments for a filling can be in the three-digit range, crowns and implants often add up to four-digit amounts. If you do not want to finance every single denture yourself, you can minimize your own additional payments in the long term through dental insurance. He pays a fixed monthly contribution for each dentist’s bill after a waiting period in the future, so that this monthly and staggered monthly contribution replaces the credit for dentist’s bill.