HFD Financing for Dental, Vet and MedSpa Care
Every type of treatment participating providers can finance with HFD.
Updated September 20Checked against HFD's published terms
HFD financing covers much more than braces. Participating providers offer it for general dentistry, implants, cosmetic dental work, orthodontics, veterinary care, optometry, audiology and MedSpa treatments. The dental program lists coverage up to $35,000.
Key facts
- HFD's dental program lists coverage up to $35,000.
- HFD's dental program lists terms up to 84 months.
- HFD covers dental, orthodontic, veterinary, vision, hearing and MedSpa care.
- Providers are paid in full within 2 to 3 business days.
- FSA and HSA cards are accepted for payments.
Treatments you can finance
HFD can be used for most treatments a participating provider offers.
| Specialty | Common treatments |
|---|---|
| Dental | Implants, crowns, veneers, root canals, dentures |
| Orthodontic | Invisalign, clear aligners, braces |
| Veterinary | Surgery, emergency care, dental cleanings for pets |
| Vision | Eye exams, glasses, contacts, procedures |
| Hearing | Hearing aids and fittings |
| MedSpa | Cosmetic and aesthetic treatments |
How it works at the office
Your provider sends you an application link by text or email from their HFD portal, or you apply at the front desk. The office gets paid in full within 2 to 3 business days, and HFD handles your payments and customer support from there.
Using FSA or HSA funds
You can use an FSA or HSA card for both the down payment and monthly payments, which can make eligible medical and dental care cheaper overall.
Finding a provider
Ask your dentist, vet or clinic whether they offer HFD. If they don't, you can still check financing offers here.
HFD dental financing payment examples
These examples show monthly payments at 0% APR for common treatment costs.
| Cost | 12 mo | 24 mo | 36 mo | 48 mo | 60 mo | 72 mo |
|---|---|---|---|---|---|---|
| $1,500 | $125.00 | $62.50 | $41.67 | $31.25 | $25.00 | $20.83 |
| $4,000 | $333.33 | $166.67 | $111.11 | $83.33 | $66.67 | $55.56 |
| $10,000 | $833.33 | $416.67 | $277.78 | $208.33 | $166.67 | $138.89 |
| $25,000 | $2,083.33 | $1,041.67 | $694.44 | $520.83 | $416.67 | $347.22 |
Examples at 0% APR before any down payment. Your provider sets your treatment cost.
Dental insurance and HFD
Dental plans often have yearly maximums and don't fully cover implants, veneers or other elective work. HFD can cover the part insurance doesn't, so you can start treatment instead of waiting for next year's benefits.
Financing care for your pet
Vet bills are often unexpected. If your clinic offers HFD, you can spread surgery or emergency costs over monthly payments. Pet insurance, if you have it, may reimburse part of the bill later.
Hearing and vision
Hearing aids and some vision procedures are often only partly covered by insurance. HFD's long plan lengths can bring the monthly cost down to a manageable amount.
Why providers offer HFD
Providers get paid in full within 2 to 3 business days and don't carry the risk if a patient stops paying. That's why many offices can offer HFD to every patient without screening them first.
MedSpa and cosmetic treatments
Cosmetic treatments usually aren't covered by insurance, so financing is common. HFD lists aesthetics among the specialties it supports. Ask your MedSpa whether packages or series of treatments can be financed together.
Before you finance any treatment
Check these details with your provider before you sign any payment plan.
- Get a written cost estimate.
- Ask what's included, such as follow-up visits.
- Confirm the refund policy with the provider.
- Check whether your FSA or HSA covers the treatment.
Common questions
Can I use HFD for vet bills?
Yes, if your veterinary clinic offers HFD financing.
How much does HFD cover for dental work?
HFD's dental program lists coverage up to $35,000.
Can I pay with an HSA?
Yes. FSA and HSA cards are accepted for down payments and monthly payments.
Can HFD cover what insurance doesn't?
Yes. You can finance the part of your bill left after insurance.
Does HFD cover dental implants?
Yes, if your provider offers HFD. Its dental program lists coverage up to $35,000.
Sources
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