Sticker shock at the dentist’s office is never fun, especially when you need treatment but your budget says, “Maybe next year.” Fortunately, CareCredit gives you a way to say yes to necessary care without emptying your savings account all at once. When you’re approved, you get a credit line that covers what your insurance doesn’t, and you can spread the cost over several months with payment plans that include interest-free options for qualifying purchases.
At Naylor Family Dental and Implant Center, we’ve seen how financing options like CareCredit change the conversation from “I can’t afford this” to “let’s get started.” We accept CareCredit and other payment options because we believe your oral health shouldn’t have to wait for the perfect financial moment. Our team is here to help you understand your options so you can move forward with confidence.
Understanding How CareCredit Functions
CareCredit works like a healthcare credit card designed specifically for medical and dental expenses, but it operates differently from the credit card in your wallet. When you apply online or at a dental office, you’ll receive an approval decision within minutes. Once approved, your credit line is ready to use immediately for your procedure. The card covers any amount your dental insurance doesn’t pay, and you can use it for family members listed on your account, too.
The application process takes about 10 minutes and requires basic information such as your name, address, date of birth, and Social Security number. You’ll find out your credit limit immediately, and there’s no penalty if you’re not approved. Many patients appreciate the option to apply at home before their dental services appointment, giving them peace of mind about payment before they arrive. This planning removes one worry from your appointment day.
Payment Plan Options Available
CareCredit offers several payment plans based on the amount you’re financing, giving you control over how you manage the expense. For purchases of $200 or more, you may qualify for promotional periods with no interest if paid in full within 6, 12, 18, or 24 months. Smaller purchases typically require a fixed monthly payment with interest applied from the purchase date. The key is to match the plan to your monthly budget.
The promotional periods work best when you can pay off the balance before the deadline, so planning ahead makes all the difference. If you carry a balance past the promotional period, deferred interest may apply to the original purchase amount. Understanding these terms helps you choose the right plan for your budget and avoid unexpected charges down the road.
What Procedures Does CareCredit Cover?
CareCredit works for just about any dental procedure you can think of, from basic cleanings to complete smile makeovers. The flexibility means you don’t have to pick and choose which treatments you can afford right now. Instead, you can follow your dentist’s recommendations and take care of everything your mouth needs.
Preventive and Routine Care
CareCredit can be used for basic procedures like cleanings, exams, and X-rays when you have copays or deductibles to cover. Even if your insurance picks up most of the tab, you might still owe something out of pocket. This flexibility allows you to maintain regular preventive dentistry visits without worrying about upfront costs. Staying on top of routine care actually saves you money by catching problems early.
Major Restorative Work
The card really shines for bigger procedures that come with bigger price tags. Dental implants, crowns, bridges, and root canals often carry substantial out-of-pocket costs, even with insurance. CareCredit lets you proceed with necessary treatment instead of delaying it, which can prevent more serious dental problems later.
Cosmetic Procedures
Many people use CareCredit for cosmetic procedures that insurance doesn’t cover because these procedures are considered elective. Teeth whitening, veneers, and clear aligners can transform your smile, and financing makes these improvements more manageable. You can invest in the smile you want without depleting your savings.
Applying for CareCredit
You can apply online before your appointment, by phone, or at the dental office, whichever is most convenient for you. The online application is the most convenient for many people because you can review the terms carefully and submit everything from home. Having your financial information handy speeds up the process. Most people complete the application during a lunch break or while relaxing at home.
Your credit score does matter for approval, though CareCredit accepts a range of credit profiles. A higher score typically means a higher credit limit, but even with fair credit, you might qualify for enough to cover your procedure. The credit inquiry may temporarily affect your score, but responsible use can help build credit over time. Making on-time payments actually works in your favor.
Get Quality Dental Care With CareCredit at Naylor Family Dental and Implant Center
We believe financial concerns shouldn’t prevent you from receiving the dental treatment you need. We’ve built our practice around making care accessible, so we accept CareCredit, Proceed Finance, and Cherry as payment options, in addition to traditional insurance plans, at Naylor Family Dental and Implant Center. Whether you need cosmetic dentistry to enhance your smile or restorative work to improve your oral health, we have solutions that fit your budget.
Our experienced team takes time to explain all your payment options before treatment begins, so you’re never caught off guard. We want you to feel confident about both your dental care and how you’ll pay for it. Contact us today to schedule a consultation and learn more about making your dental goals a reality.
