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    All You Need To Know About Teeth Whitening And How To Finance It

    Let’s face it, no one wants stained or yellow teeth; teeth are one of the key features people look at when judging another individual. It indicates hygiene, good health, and is a major factor in overall attractiveness.

    This can be a major issue for peoples whose teeth have taken on a less than flattering color - it can result in low self-esteem and a poor body image. For this reason, many people decide to undergo a teeth whitening procedure. 

    While there are many at-home kits that people can buy, they rarely work and professional help is almost always required. Unfortunately, these procedures may be costly for some individuals, causing them to take out a cosmetic dental loan in order to pay for the procedure.

    Here we will look at exactly what is teeth whitening, how it works, as well as what financing options are available.

    Opting For Teeth Whitening

    As explained above, the appearance of one’s teeth serves as a major indicator of the state of their health, hygiene, and overall well-being. Those who have yellow or spot stained teeth risk being seen as unattractive by others and can result in less successful social interactions. 

    This can be frustrating for many people, especially for those who may have sensitive teeth that stain easily. For people in this situation, a teeth whitening procedure performed by a full licensed cosmetic dentist is the best option.

    How Does It Work?

    As with any medical procedure, elective or otherwise, it all begins with a consultation. Here, the doctor will go over exactly how the procedure will be conducted, the amount of downtime, any risks involved, as well as how much it will cost. 

    The procedure itself is fairly straightforward and involves applying an industrial grade bleaching agent to the enamel of one’s teeth. The doctor will install a shield that protects the patient's face and lips from any bleach that may inadvertently be spilled during the process. The bleach is left on for 15 minutes, during which time the doctor or technician will apply a concentrated UV light to speed up the process. Once the 15 minutes are up, the teeth are rinsed clean. This process may be repeated several times before the desired whiteness is achieved.

    What Is The Process?

    When most people think of teeth whitening, the first thing that comes to mind is the $25 at-home kits available for purchase at most major drug stores. This is usually the first option most people try since the cost is low and it can be done in the comfort of one’s own home on their schedule. Unfortunately, these kits rarely produce the desired results and most individuals end up seeking out professional help.

    Most professional whitening services performed by a fully licensed doctor can cost anywhere from $700 to $1,200 depending on the clinic's location and condition of teeth. Regardless of which dental clinic one chooses, the process is standardized and is the same as outlined above.

    How To Finance Teeth Whitening

    The most common concern people have in regards to teeth whitening is not its efficacy - the process produces reliable results - but rather how they are going to pay for the procedure. Some people do not have sufficient savings, and most medical insurance plans will not cover cosmetic procedures. Because of this, most people have to look to other methods of financing, the most common of which are listed below.

    • Dental Plan: Dentals plans deliver coverage for many procedures not typically covered under standard medical insurance plans. These plans are usually offered by private insurance companies and are sometimes available through employers. When evaluating a plan, one must ensure that it covers teeth whitening
    • Dental Loan: Options including Prosper medical loans or lending offerings from FreedomPlus are specifically designed for dental procedures. These loans will offer the borrower competitive interest rates and may even offer a further discount if the doctor used is within the lender's preferred network
    • Credit Card: There is always the option of using one’s credit card to pay for the procedure. This is usually not the best course of action given credit cards typically charge higher interest rates than those available from dental loans online including  OneMain dental loans.
    • Payment Plan: Many dental clinics will offer patients an installment payment plan. Anyone considering this option should be sure to read the fine print, as some plans may carry high charges or deferred interest on any missed or late payments. Dental loans may be preferable given they usually carry smaller monthly payments and no prepayment penalties

    Bottom Line

    Yellow, stained, or spotted teeth can be a major source of low self-esteem for many individuals. It can greatly affect how people are viewed by others and can reduce the quality of social interactions. Luckily, professional teeth whitening performed by a licensed professional offers an inexpensive solution to this issue. Those who cannot afford to pay for this procedure outright should consider taking out a low interest dental loan to cover the associated costs for a brighter smile.