Yes, we accept CareCredit!
CareCredit is a pretty cool way to finance dental services. It’s popular with residents of Anchorage and surrounding areas. It’s really just a credit card, but used specifically for healthcare services, including dental.
What’s really cool about it is that once you obtain a CareCredit account, you’re automatically approved for any services we offer here at Alaska Smiles, including Botox treatments. There’s no having to call your insurance to get preauthorization.
Even better is that they offer 0% interest, as long as you pay off the balance within the time frame you select. So, if you incur a dental bill of $1,000.00, and you elect to pay it off within 12 months, you can get it interest free. The time frame you select is determined at the time the debt is incurred. Our front office staff will ask if you want to choose 6, 12, 18, or 24 months.
Another reason why CareCredit has become popular is because they have a generous approval rate on applicants. Credit limits vary on your credit scores, but most Anchorage and vicinity patients tend to be approved for limits of $1,200.00 to $2,500.00.
Let’s look at some pros and cons…
Pros: Generous approval process
Pros: 0% interest if you pay off the balance within your chosen time frame
Pros: All Alaska Smiles services are eligible for credit, including Botox
Cons: High interest rate of 26.99% (if you miss a payment or fail to pay the balance within the time frame)
Cons: If you miss a payment, they charge you interest on the entire period up until the missed payment
Cons: If you fail to pay off the balance by the time frame, they charge you interest on that entire time frame
CareCredit is obviously popular with Anchorage residents who don’t have dental insurance.
However, it’s surprisingly popular with those who do. That is, it’s a great way to pay deductibles and co-pays, without charging it on your other cards. Because CareCredit is interest-free if you pay it within the chosen time frame, patients can keep their dental bills off of their other credit cards, and keep more money in their checking accounts for other purchases.
Alaska Smiles is an approved CareCredit dental office, and one of a handful here in Anchorage. Read more about our CareCredit policy (click here).
You can apply for CareCredit online here: https://www.carecredit.com/