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Dental Credit – Has the World Gone Crazy?
I was speaking to a couple the other day at the marina – showing off their new speedboat. I estimate it cost a minimum of 25 grand – and it was shorter than my car. Plus – it has a life use of approx. 2 months a year in our climate. The husband proudly told me of the great credit deal he got on his new rig – only X $ bi-weekly!
This is the same couple who asked me about dental implants a few months ago, knowing that I work in this field exclusively. I provided all the appropriate answers – ranging from implants being the standard of care today up to and including potential costs for same. He has a flipper on his maxillary central incisor, and it drives him crazy. He was told by his GP he would need bone grafting, and it would be ‘expensive’. After a referral to an implant dentist, the total bill was going to edge the $11,000 range, and there were no credit options available. Care Credit has pulled out of Canada, and the one viable option – Patient Link – was not on a plan with that dentist. So – he continues to play with his ‘flipper’ – and drive around in a brand new runabout that cost twice as much and was paid for on the ‘no money down – bi-weekly payments until you die’ plan. The fact that the husband told me he only pays X $ per paycheck gives a clear indication of where his monthly finances are. Of course this is pure marketing on the part of the boat dealer!
Restorative dentistry is an asset – something that has tangible and intangible value. Ask any HR manager about interviewing the client missing teeth compared to the one with a full set! Your dental appearance speaks volumes about you – and your sense of values. This affects self confidence, success in the job market, success in personal relationships, and overall emotional health. If a lender would rather hold the paper on a depreciating ‘asset’ like a car or a boat I understand that from a purely banking point of view. You, as the dental professional, have the opportunity to compete in this arena providing you do your own homework. The patient will purchase regardless, but instead of your work he might end up at the big box electronics store with a new home theatre system. After all, they provided him with financing.
Get creative. Align yourself with a lender (such as Patient Link) and walk through a hypothetical $10,000 case to determine how you can best present all the options. If you need help on stepping up to the plate to compete with Future Shop and the boat dealers, don’t hesitate to call our office at – 1-800-208-9903.
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