Dental Insurance vs. Financing: What’s Best for Your Budget?
Option 1: Using Dental Insurance
Dental insurance typically helps cover preventive services and a portion of basic and major treatments.
Pros:
- Low or no cost for cleanings, exams, and X-rays
- Partial coverage for crowns, root canals, and more
- Encourages consistent oral care
Cons:
- Annual maximums (usually $1,000–$1,500)
- Waiting periods for major treatments
- Not all procedures are covered (like cosmetic treatments)
Tip: If you have dental insurance, make sure to use your benefits before they reset at the end of the year.
Option 2: Dental Financing
If you don’t have insurance — or need care not covered by your plan — financing is a flexible option we offer through trusted providers like CareCredit.
Pros:
- Allows you to get the care you need now and pay over time
- Can be used for cosmetic or elective treatments like Invisalign or veneers
- Low or no interest options available for qualified patients
Cons:
- Requires credit approval
- You’ll need to budget for monthly payments
Tip: Financing is great for procedures like Invisalign, veneers, or full-mouth restorations.
So, Which One’s Right for You?
Here’s a quick guide:
| Situation | Best Option |
|---|---|
| You have insurance and need preventive care | Use insurance |
| You don’t have insurance | Financing or in-house plan |
| You want cosmetic treatment | Financing |
| Your insurance won’t cover full cost | Combine insurance + financing |
We Make It Easy at Duncanville Dental Care
Whether you’re insured or not, we’ll walk you through all your payment options during your visit. Our friendly team is here to help you maximize your insurance benefits or get pre-approved for financing — no pressure, just support.
Call today to book a consultation.
Flexible options. No surprises. Just high-quality dental care in Duncanville.