Dental implants are considered the top solution for replacing missing or failing teeth, with the potential to last a lifetime. Although the cost reflects the advanced technology and expertise required, it is a worthwhile long-term investment. Many patients opt to set up a manageable payment plan to cover the expenses of implant treatment, making it a more accessible option for restoring dental health.
Dental implant costs can vary significantly, depending on individual factors like the number of implants and the type of procedure required. Common procedures include single implants and full-arch restorations. Multiple payment options can help manage these costs, including installment plans, healthcare credit cards, flexible spending accounts (FSAs), home equity loans, and even dental insurance. Patients are encouraged to act quickly to avoid more severe dental issues and higher future costs.
To cover the cost of a dental implant procedure, the following options may be utilized:
Healthcare Installment Plans: See below for some of our financing partners, each option allows for patients to break down the total cost into manageable monthly payments, sometimes with zero or low-interest rates.
Home Equity Line of Credit (HELOC): A HELOC allows homeowners to borrow against their home equity, often with lower interest rates compared to personal loans. This can be an attractive option for more robust dental procedures, like implants, where a large lump sum might be required.
Retirement Plan Loan: Some patients may choose to borrow from their 401(k) or other retirement accounts. Though this option incurs some risk (since you reduce your retirement savings), it can provide quick access to funds for necessary dental procedures.
Flexible Spending Account (FSA): FSAs allow individuals to use pre-tax earnings to cover medical expenses, including dental implants. It’s an effective way to lower your taxable income while paying for your treatment. However, FSAs have contribution limits and may require pre-planning.
Bank or Credit Union Loan: Personal loans from a bank or credit union may offer a solution for financing implants. Interest rates depend on credit scores, but these can provide fixed repayment terms over a set period.
Credit Cards: While typically a higher-interest option, certain credit cards offer promotional interest-free periods, which could be useful for short-term financing if paid off within the promotional period.
Dental Insurance: While most dental insurances do not fully cover dental implants, some plans may cover a portion of the treatment, such as extractions or implant-supported dentures. Checking with your insurance provider is essential.
Each payment option offers flexibility and is catered to different financial needs. Consulting with our office team and a financial advisor can help in deciding the best approach.
Cherry
Proceed
CareCredit
