After having my eighth cup of coffee for the day since having recently become a Dad (our baby was born in June), so sleep is a foreign word and the only thing that keeps me going is coffee. What does this have to do with payments for healthcare? After my first few sips, I wince with pain caused by the coffee striking a nerve from one of my cavities. I do not remember the date of my last visit to the dentist, but the estimate for the work needing to be done is what sticks in my mind.
Now, not to mention names or amounts because my dentist is a nice young practitioner trying to cover his costs and make a living, but I am still faced with a staggering sum to fix all my oral issues. I am sure the sum is appropriate if you break down everything related to my treatment: staff costs, insurance, lease liabilities etc. For myself the sum is more than double the cost of my first car. So my point is, I decided to research options to pay for my much needed dental work. And here they are:
1. Visa, MasterCard, American Express (hello high interest)
2. Ask my provider for a payment plan (payment due upon service)
3. CareCredit a healthcare provider payment option.
Interestingly the solution for my dilemma was in my wife’s purse. We have utilized
CareCredit for our pets (the dogs get better care than me) with our Veterinarian in the past. It provided us affordable, flexible and convenient terms to pay for medical related expenses. With uncertainties of healthcare costs, insurance coverage and the need to pay for medical expenses before things get worse, I am glad CareCredit is at my disposal.
Disclosure: I have no commercial interest or connection to CareCredit.