Teeth Whitening Financing Options: Brighten Your Smile

A dazzling, white smile can boost your confidence and leave a lasting impression. However, the cost of teeth whitening procedures may deter some individuals from pursuing treatment. Fortunately, there are various financing options available that can make teeth whitening more affordable.  Here are some of the most popular financing options to help you achieve the radiant smile you desire.

  1. Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs): FSAs and HSAs allow individuals to set aside pre-tax funds for eligible medical expenses. Teeth whitening may qualify as a reimbursable expense if prescribed by a dentist to address specific dental conditions or staining caused by trauma or medications.
  2. Payment Plans: Many dental practices offer flexible payment plans to make teeth whitening more affordable. These plans allow you to spread out the cost of treatment over time, typically through monthly installments. Be sure to inquire about the terms and any associated interest or fees before committing to a payment plan.
  3. Personal Credit Cards: Using a credit card to finance teeth whitening is another option. You can choose to pay off the balance over time, taking advantage of promotional interest rates or low-interest credit cards. However, it’s important to use credit responsibly and consider the interest charges and potential impact on your credit score.
  4. Medical Credit Cards: Medical credit cards are specifically designed to cover medical and dental expenses. These cards offer flexible payment plans with low or no-interest promotional periods. Research different credit card options, compare their terms, and choose one that aligns with your financial needs.
  5. Personal Loans: If you prefer to finance teeth whitening independently from your dental provider, a personal loan could be an option. Banks, credit unions, and online lenders offer personal loans that can be used for various purposes, including cosmetic treatments.
  6. Employer Assistance Programs: Some employers offer healthcare assistance programs that cover a range of medical expenses, including cosmetic dentistry. Inquire with your human resources department to determine if teeth whitening is eligible for coverage or reimbursement through your employee benefits.
  7. Dental Schools or Clinics: If cost is a significant concern, you may consider seeking teeth whitening services at dental schools or clinics associated with dental training programs. These facilities often offer reduced fees as they are overseen by experienced dental professionals.

Teeth whitening no longer needs to be financially out of reach. With the various financing options available, you can achieve a radiant smile while managing your budget effectively.

Content written by Emily Wagner, MS |Reviewed by Greg Grillo, DDS | Last updated 6/5/2023

Article Sources

• Martin, Allison. Types of personal loans and their uses. Bankrate, (June 6, 2023). Available from https://www.bankrate.com/loans/personal-loans/types-of-personal-loans/
• MyCreditUnion.gov. Consumer Loans. Available from https://mycreditunion.gov/life-events/consumer-loans
• Consumer Financial Protection Bureau (CFPB). Prepaid cards and other prepaid accounts. Available from https://www.consumerfinance.gov/consumer-tools/prepaid-cards/
• Lake, Rebecca. What is a Personal Loan? (April, 26, 2023). Available from https://www.investopedia.com/personal-loan-5076027
• National Institutes of Health. The difference between a Flexible Spending Account (FSA) and a Health Savings Account. Available from https://hr.nih.gov/about/news/benefits/difference-between-flexible-spending-account-fsa-and-health-savings-account-hsa