Not only for dentures, but also for other treatments that are not recognized by the statutory health insurance companies, insured persons have to pay all or part of their dental bill themselves. Since insurance contracts in private health insurance also do not always provide for full reimbursement of expenses for visits to the dentist, private patients are also dependent on a loan for their dental bill. Different variants are available for this.
Partial payment of the dentist’s bill
A partial payment as a loan for the dentist’s bill can be agreed with many self-billing practices if the patient addresses the payment modalities before the start of treatment. Many dentists do not settle their patients’ own contributions themselves, but have commissioned the dental billing office responsible for their practice site to provide the appropriate service. In many regions, the billing service provider does not agree on a partial payment before the invoice is created, but instead offers one in the patient invoice.
This is a payment agreement and not an actual loan. This difference is only significant for late payments, because an agreement can be terminated in the case of minor violations. The partial payment option at the dentist or the clearing house is mainly limited to a period of six months.
The bank loan for the dentist bill
With small amounts and a possible account settlement within three to six months, the overdraft facility for the dentist bill is a sensible alternative. In other cases, the current account’s available amount is debited with excessive debit interest, so that installment loaning makes sense. In the case of ordinary consumer loans, the bank customer does not state that he is using the loan for a dentist bill, because the payment is not made for a specific purpose.
As a cheap alternative, the loan for the dental bill from a bank specializing in the granting of loans for medical treatments offers itself. This not only calculates lower interest rates than most commercial banks, but also grants earmarked loans in critical cases rather than one. When submitting the loan application, the patient also presents the dentist’s cost plan.
With the consent of the dental practice, the specialized lender does not transfer the money to the account of the borrower, but directly to the practice account. If your own income is low or you have poor credit check, you can take out the loan for the dentist bill together with another applicant. The credit check-free loan is also suitable for paying a dentist’s practice bill, especially since it is paid out without any purpose limitation.
The personal loan for the dental bill
A website for private loan brokerage can be used to successfully apply for a dentist loan loan, even with a poor credit rating. The members registered there make sure that they can understand the purpose of an inquiry. For this reason, a precise description of the treatment to be financed and the personal contribution that arises in the process is required, as well as the reason why the health insurance company does not or only partially covers the treatment costs.
The personal details are unproblematic, since the platform operator guarantees that the respective private loan seekers and lenders do not know the mutual contact details. The loan is paid out as soon as the full subscription to the requested amount has been made by one or more private borrowers. The fact that conventional banks do not approve the desired loan for the dental bill in a specific individual case motivates many private lenders to subscribe to the submitted request for social reasons.