A missing tooth or a failing one rarely waits for a convenient moment in your budget. Once a surgeon confirms that a dental implant is the right next step, the first question that comes up is rarely about the procedure itself. It is about the number attached to it.
At Harmony Dental Implants and Oral Surgery, we believe cost should never be the reason someone puts off needed care. We offer a range of flexible financing options built around real budgets, from a preferred 0% payment plan to traditional insurance benefits, so you can move forward with treatment on a timeline that actually works for you.
What Dental Implants Typically Cost
Dental implant pricing depends on several factors, including how many teeth need replacing, whether you need bone grafting or a sinus lift first, and which implant type best fits your case. A single implant costs far less than a full-arch restoration such as All-on-X, and every treatment plan we build reflects exactly what your case requires before you commit to anything. Candidacy, not just cost, shapes the final number, since bone density and overall oral health can change the steps involved.
Many dental insurance plans only partially cover implants, if they cover them at all, though procedures like extractions or bone grafting may be covered more fully. We are in-network with major carriers, including Delta Dental, Ameritas, Aetna, Guardian, Principal, MetLife, Cigna, Blue Cross Blue Shield, United Concordia, and United Healthcare, and we also accept HSA and FSA funds toward your treatment. Our team verifies your benefits ahead of time so you know your out-of-pocket cost before your procedure begins, not after.
Cherry Financing Makes 0% Interest Possible
Cherry is our preferred financing partner because it consistently gives patients the highest approval rate of any option we offer. The application takes just a few minutes, does not affect your credit score, and gives you an answer before you even leave your consultation.
Qualified patients receive 0% financing for up to 24 months on Cherry plans, which means you pay exactly what your treatment costs with nothing added on top. Whether you need a single implant or a full-arch restoration, our team helps you choose a plan length that fits your monthly budget. Every implant we place also comes with a five-year warranty, so if it fails within that window, we replace it at no additional cost to you.
Other Ways to Pay for Your Treatment
Cherry works well for most patients, but it is not the only option available to you. We accept several payment options so you can choose the one that best fits your situation. These options include the following:
- CareCredit: A healthcare credit card accepted at both our Charlotte, NC and Tega Cay, SC, offices, with promotional financing that varies depending on your purchase amount.
- HSA and FSA funds: Pre-tax dollars you may already have set aside can go directly toward implants, bone grafting, or related surgical care.
- Traditional payment: We accept credit cards, debit cards, checks, and cash at both locations for patients who prefer to pay as they go.
No matter which option you choose, our front desk team walks you through the details before your procedure so there are no surprises on the day of treatment. We would rather answer every question up front than have you wonder about costs after the fact.
Read the Fine Print Before You Sign
Any financing decision deserves a careful look at the full terms, not just the monthly payment shown at checkout. Cherry’s 0% plans work with no interest added as long as the plan is paid according to schedule, which is one reason our team recommends it as a starting point for most patients.
Before you commit to any plan, ask a few direct questions. What happens if a payment is late? Does interest accrue retroactively once the promotional window ends? How long does that window actually last? A financing partner that answers those questions clearly, the way Cherry does, is one worth trusting with your treatment plan and your budget.
Harmony Dental Implants and Oral Surgery Is Here to Help You Move Forward
Cost should inform your decision, not stop it. Dr. Riddhi Patel, a board-certified oral and maxillofacial surgeon and member of the American Association of Oral and Maxillofacial Surgeons, leads a team at our Charlotte, NC, and Tega Cay, SC, offices that walks every patient through financing before treatment begins.
If you are ready to talk about your case and what it might cost, contact our office to schedule a consultation. We will review your insurance, walk you through Cherry and CareCredit, and help you find a plan that lets you move forward with confidence.