Even if this may sound a bit superficial – our appearance is often our most important asset. Because in many cases this is the first thing we perceive and therefore decides whether our counterpart likes us or not. There is usually no chance of a second impression. And such positive qualities as good knowledge, an honest character and a polite demeanor only come into focus much later, when our appearance and one or the other door has already opened.
Neat teeth go hand in hand with a well-groomed and neat appearance. Unfortunately, these are not always given to us naturally. Corrections or repairs often have to be made. If this no longer works, dentures are used. Sometimes this is quite an expensive affair. Because the statutory health insurance companies only pay a fixed price for new teeth. The difference, often 80 percent and more, must be borne by the patient. A loan for new teeth can therefore be a good way to regulate costs.
Why new teeth are so expensive
Are you also wondering why you should pay so much money for new teeth? And that even though you are actually covered by health insurance and should therefore be entitled to new teeth? After all, you can’t run around without teeth and eke out your existence.
The health insurance companies justify this injustice with the fact that they only pay a fixed price for new teeth. This is based on the cost of a simple bit. Those who take this bit have received basic care. And the health insurance companies are not responsible for more.
But not everyone may have teeth just because some teeth are missing or need to be replaced. A permanent denture is sought, which is made of high quality materials and therefore lasts for many years. But this high-quality denture costs money. Sometimes several thousand USD. Depending on how many teeth need to be replaced and what type of denture it is.
And since the acquisition of new teeth usually does not announce itself over a longer period of time and therefore cannot be planned, many sufferers lack the money for the new teeth. You therefore want to take out a loan for new teeth, which improves the financial situation and enables good quality dentures.
Dentist or independent bank?
On the way to a loan for new teeth, the first question to ask yourself is where you want to take out the loan for new teeth. Perhaps you are being treated by a dentist who not only offers you new teeth, but also financing your teeth. Many dentists are now doing this because they know the costs of the new acquisition and can therefore estimate the financial hardship of their patients quite well.
Or you decide to take out the loan for new teeth from an independent bank. Then you will most likely opt for an installment loan that offers you the option of flexible repayment in small installments. Both variants have their advantages and disadvantages.
In which direction does the pendulum swing?
If you choose financing through the dentist, at first glance you will probably go the easier way. Because you don’t have to compare offers and save yourself the need to go to a bank. To do this, however, you have to accept that you cannot influence the costs associated with the loan for new teeth. Because the dentist will only make you an offer.
In addition, financing at the dentist is not a long-term matter. The dentist wants the costs to be paid quickly. Often within six months. If you then consider that you sometimes have to pay an invoice of several thousand USD, six months are relatively short for the repayment. Because the small time window creates relatively high monthly charges.
It is a little different with a loan for new teeth, which is taken out by an independent bank. Here you have to search for a suitable offer. But if you use a comparison calculator on the Internet for your search, it will go quickly.
The advantage of the independent search is the fact that you can influence the conditions around the loan itself. So you have the opportunity to decide for yourself which effective interest rate you find pleasant, how high the loan amount should be and which monthly installments you can trust. This means there is no risk of over-indebtedness and you can cleverly divide up the repayment.
Which way you end up going for the loan for new teeth is up to you. Just think about what best suits your project and don’t forget to consider whether you might have dental insurance. If this is the case, it may be that the insurance covers a further part of the costs and the personal contribution decreases.