How to Pay for Cosmetic Dentistry

Cosmetic Dentist Serving Austin, Bee Cave, Lakeway and Nearby Areas of Texas


Many men and women would like to improve their smile with cosmetic dentistry, but they may be worried about how to pay for treatment. Dental insurance plans rarely cover cosmetic procedures, and depending on the extent of work you need, you may be facing high out of pocket costs.How to Pay for Cosmetic Dentistry Treatments | Dr. John Schmid | Austin, TX

Luckily, there are ways to afford cosmetic dentistry procedures without depleting your savings account. In addition, Austin cosmetic dentist Dr. John Schmid will work with you to create a treatment plan that is both effective and affordable for your budget.

Call Contemporary Cosmetic Dentistry today at 512-329-5967 to schedule your smile consultation. We will be happy to examine your teeth and recommend a custom treatment plan to help you get the smile you want.

Dental Financing Plans

The most popular option to pay for cosmetic dentistry procedures is through a dental financing plan. Dr. Schmid offers plans through CareCredit, a leading healthcare financing company that offers payment plans with 0% or low APR depending on your qualifications.

Through CareCredit, you can pick the amount of time of you need to pay for the full treatment plan as well as how much per month you'd like to pay. They offer a number of fixed plans to match the needs of individual patients.

Benefits of using CareCredit include:

  • Low or no interest on payments as long as you pay off your procedures on time
  • Flexible plans to work with your financial needs
  • Easy to apply for and use

If you are interested in CareCredit, our patient coordinator can explain it more thoroughly and walk you through the application process if you wish.


If you have a health savings account or a flexible savings account, you may be able to use the money you've saved to cover some parts of your treatment plan. While you typically cannot use your HSA or FSA for overtly cosmetic procedures such as teeth whitening or porcelain veneers, you will likely be able to it for procedures such as:

  • Dental crowns
  • Invisalign
  • White fillings
  • Dental implants

You can always use your HSA or FSA to cover part of a procedure, then finance the rest through different means.

Credit Card

We would typically recommend using a financing plan such as CareCredit over using a credit card if possible, simply because the APR will generally be much lower. However, if your credit card has 0% APR or a promotional low APR, then you may want to use it. Some credit cards also have promotional offers where if you spend a certain amount, you get bonus points or cash back. In these cases, using your credit card may be a good choice.

If you have questions about using your credit card vs. using a different type of financing, please don't hesitate to ask our patient coordinator during your free initial consultation.

Schedule Your Cosmetic Dentistry Consultation

Don't let worries about the cost hold you back from getting a personalized dental treatment recommendation from Dr. Schmid. Your first consultation is free, and our patient coordinator is happy to discuss all payment options to come up with a financial solution that meets your budget.

Call us today at 512-329-5967 to schedule your appointment. We serve patients in Bee Cave, Lakeway, and other surrounding areas of greater Austin, Texas.