Financing Options for Cosmetic Dentistry

When planning treatment for your smile, it’s natural to feel a little overwhelmed at the cost. Cosmetic dentistry in Calgary, AB, can seem expensive, and, unfortunately, getting coverage through insurance is difficult. However, that doesn’t mean you should settle for a smile you’re not happy with. By talking to your dentist ahead of time, you may be able to work out a financing option that helps you get the treatment you deserve. 

Cosmetic dentistry in Calgary, AB, can seem expensive, and, unfortunately, getting coverage through insurance is difficult.

Payment Options for Cosmetic Dentistry in Calgary, AB

While some may see cosmetic treatment as purely aesthetic, most procedures also offer valuable restorative and preventative benefits as well. Adjusting your smile could help improve your bite and oral hygiene as well as your confidence. Your dentist wants to help you get the best treatment for your smile, so they’ll work with you to figure out financing when needed. With the right strategy in place, you could meet your smile goals without breaking the bank.


While insurance companies are more restrictive when it comes to cosmetic treatment, it’s not impossible to get some coverage. If you’re getting treatment for a restorative or preventative need, you may be able to get partial coverage. For example, if a porcelain veneer is covering a tooth that has a chip or fracture, it could be covered as a restorative treatment. 

However, it’s important to note that even if you can get coverage, insurance companies will rarely pay the full price of treatment. Because each insurance policy is different, it’s a good idea to check ahead of time what your coverage rate is. Prior to starting treatment, you can often submit a pre-authorization request to see what portion of the bill your insurance may cover.

Treatment Phases

If you’re getting a lot of work done, you may be able to phase out your treatment. Your dentist can help break the procedures down into several smaller appointments. Say you’re getting a full set of veneers. Your dentist may be able to break the treatment down into a handful of appointments, fitting two or four veneers at a time. Separating your treatment this way could help by allowing you to save up money between appointments.

Third-Party Lenders

If you want to complete your treatment all at once, or still need help with financing, you may be able to get a loan through a third-party lender. Lenders, such as Dental Card, tend to offer low-interest loans that help patients get the dental care they need. Your dentist can help you apply for a loan prior to treatment to see if you’re eligible. 

If you want to improve your smile but worry about the costs, Foothills Dentistry is here to help. We’ll work with you and your insurance company to do everything we can to get you the treatment you need. Call us today at (587) 410-0821 to schedule a consultation and learn more about our cosmetic dentistry treatment options.