All you need to know about CareCredit

If you have been to a doctor for some ailment at any point in your life there is a good chance that you may have seen a notice on the billing counter saying CareCredit accepted. Ever wondered what is CareCredit? We will try to solve that mystery here today in this blog. CareCredit is like a medical credit card only a little different from an actual credit card because you can only use it pay for your medical expenses. It is much closer to a loan than a credit card. 

How did it start? 

CareCredit company came into existence in 1987 that was into making dental implants. The owner of the company Ralph Stern wanted to make sure that more and more people could benefit from the dental implants as it was a new technology then. While many people wanted to try dental implants, they were not sure how to pay for them. That’s when he came up with the idea of a private credit card for dental care. CareCredit the healthcare card thus came into existence.  

What kind of treatments does CareCredit cover? 

According to the website of CareCredit the CareCredit card is now accepted at more than 2,50,000 service providers and these don’t include only dental care. The card has truly become a healthcare card making it easy for patients to make their payment not just for dental work but also for vision care like LASIK surgeries, routine eye checkups, sunglasses, dry eye treatment, cataract procedures, contacts lenses and more. The card is also accepted in cosmetic surgery financing like nose jobs, facelifts, tummy tucks, botox treatments and many other cosmetic treatments. Besides these they are now into animal/ pet care, fitness, dermatology, hearing, chiropractic treatments, labs and diagnostics, pharmacies, medical equipment, hospitals, primary clinics, wellness spas, sleep clinics, weight loss programs and even specialists (ENT, Nephrology, Urology, Neurology, Orthopedics, Imaging and Radiology etc.). For the complete list of treatments covered please visit their website. 

How does CareCredit work?  

There is always some part of medical expenses that are not covered by insurance. Well, this is where CareCredit comes in picture. You can use CareCredit to pay your out-of-pocket expenses with those healthcare providers who have a tie up with CareCredit.  The card also offers special financing options which are not offered by any credit card especially related to health care. 

Like a credit card you can make payment for your medical expenses on the spot using the CareCredit card. After that all you need to do is repay the amount within a period of 6, 12, 18 or 24 months as approved by the credit team of CareCredit, without any extra interest. All you have to do is pay a minimum amount monthly and the entire due amount before the expiry of the above decided period. 

CareCredit also offers long term financing for larger amounts for 24, 36.48 or even 60 months period. To reiterate once again no interest is charged on the due amount before the said period elapses. However, if full due amount is not repaid in time, then the interest is charged on amount due from the date of the purchase just like a credit card. Credit limit, approval of the finance and repayment of the same is subject to some terms and conditions which may differ from case to case. To know more about approvals and repayments do check out their website. 

Which dental procedures are covered by CareCredit? 

Since Ensure Dental Care is a family dental clinic, this blog is the right place to highlight the some of the major dental procedures covered by CareCredit (this info is as per their website as on 04/11/22 and subject to change). There are other dental procedures which are also catered to. We urge you to visit their website for the same. 

Restorative and Cosmetic Procedures 

  • Dental Implants 
  • Ceramic crowns 
  • Root Canals 
  • Braces and retainers 
  • Invisalign 
  • Six Month Smiles 
  • Veneers and Lumineers 
  • Teeth cleaning and repairs 

Preventive Dentistry 

  • 6 monthly checkups 
  • Gingivitis prevention 
  • Fluoride treatment 
  • Ceramic Fillings 
  • Sealants 
  • Scaling 
  • Sports mouthguards 
  • Endodontics and Periodontics 

Benefits of CareCredit  

  1. Your health care expenses especially the big ones can be made more manageable using a CareCredit card.  
  1. You can get an interest free loan to pay for your out-of-pocket medical expenses almost instantly without much effort. 
  1. It is much easier to get a CareCredit card than a regular credit card. 

How can I apply for CareCredit card? 

CareCredit allows anyone to check if they qualify for a card but in order to apply, you will need to provide them with some personal information like: 

  • Name 
  • Address 
  • Date of birth 
  • Social Security number  
  • Net income 
  • Housing Information 

The approval of the card is determined by the company as per their rules and regulations and the credit limit on your CareCredit card is determined by your credit history. 

A hugh medical bill can dent anyone’s pocket and upset our monthly budget. Cards like CareCredit come in handy at such times. A word of caution, all types of financing come with their own terms and conditions and hence we encourage you to read all of them properly before availing for CareCredit or other similar health cards. 

Hope this blog has been an interesting and informative read. Please share this blog with your family and friends. If you wish to avail our services call Ensure Dental Care on 940-274-3229 for an appointment today. We are family dentist in Saginaw Tx. We accept all major insurance providers. We also have an in-house payment plan. We have a very experienced and professional team of dental practitioners and we look forward to serving you to the best of our abilities. Ensure Dental Care offers emergency dental services. Irrespective of the problem we offer same day emergency treatments. We entertain walk ins also. 

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