10 Ways to Make Dental Implants Affordable
Implants are a life-changing solution to missing teeth as they can be placed permanently and they don’t require any special preparation. But they can be expensive, and you have to know how to pay for them. Here are 10 real-world solutions for financing dental implants so that you can get back your smile without the hassle.
Dental Implants are the ultimate tooth replacement, they are durable, functional, and they look just like teeth. But they are expensive and many of us have struggled with that. So if you’re interested in implants but worry about price, here are 10 affordable ways to fund dental implants without breaking the bank.
1. Dental Insurance
Dental insurance won’t pay for everything with implants, but they will generally only pay half of the price. That might be implant surgery, crowns or even a pre-operative exam. Be sure to check your policy or talk to your provider about your benefits. A few dental plans that cover everything, or plan specifically for implants can help you keep the out-of-pocket costs down.
Tip: If your dental plan doesn’t cover implants, consider switching to one that does or supplementary dental coverage.
2. Healthcare Credit Cards
Medical and dental healthcare credit cards (like CareCredit) are medical/dental credit cards designed for that. There are sometimes promotional periods with zero-interest options if you repay the balance within a certain period. This can reduce the price of dental implants because you’re able to pay it over several months without paying any further interest.
Why It’s a Win: Healthcare credit cards make it easy to manage spending, especially if you want a monthly plan. But you have to be sure to pay off the balance during the promotional period so you don’t end up with a high interest rate.
3. In-House Financing Options
Dental offices have private financing programs to get treatments more affordable for their patients. These plans let you spread implants cost over multiple monthly payments with minimal or no interest.
Benefit: In-house financing avoids 3rd party credit checks and can be more lenient with payments. Discuss alternatives with your dentist to find a plan within your price range.
4. Personal Loans
Getting a bank or credit union personal loan is another way to finance dental implants. Fixed interest rates and monthly repayment terms ensure these loans are attractive for patients who don’t want to make a downpayment on a loan.
How To Get Started: Comparison shop to find the best interest rate and repayment plan. Credit unions can offer rates which are better than the banks especially if you have good credit history.
5. Dental Savings Plans
Dental savings plans or discount plans aren’t insurance, but they can reduce the expense of things such as implant treatments. You join annually for an annual fee and are entitled to low rates from participating dentists.
Why It’s Worth It: Dental savings plans can discount anything from 10% to 60% on everything from implants. These plans are especially great if you do not have dental insurance and also if you are in need of an emergency.
6. Flexible Spending Accounts (FSA) or Health Savings Accounts (HSA):
Flexible Spending Accounts or Health Savings Accounts.
Use pre-tax dollars from your employer’s FSA or HSA to pay for qualified medical and dental treatments, such as dental implants.
Key Benefit: By paying with pre-tax dollars, you pay less in taxes which saves you money. FSAs normally ask you to spend the funds within the year; HSAs rollover, so they’re an all-around money-maker for implants.
7. Dental Financing Companies
Third-party financing companies are the specialists of dental and medical expenses, which can arrange individualized payment options for procedures such as implants. You can take flexible payments on the month or year-long, as companies like Proceed Finance or LendingClub do.
Why It’s Useful: These businesses generally have low interest rates and long terms, so they’re a great option for patients that want to pay for complex treatments such as full-mouth dental implants.
8. Credit Cards
It is easy to use your credit card to pay for dental implants if you have a card that is low interest or offers a promo code. Most credit cards give you cash back or points that can be used to cover the bill.
Things to Keep in Mind: Credit cards are handy, but be aware of high-interest rates if you don’t pay off the balance on time. Look for cards with 0% intro APRs to make this more affordable.
9. Grants or Assistance Programs
Non-profits and dental schools provide subsidised or free dental treatment for those who qualify. Donated Dental Services (DDS) programs or your local dental school might be able to give you implants at very inexpensive prices.
Where to Look: Look up local and national assistance programs near you. In dental schools, especially, you get excellent student care at an affordable price.
10. Savings
Personal savings is also the easiest and most economical method of financing dental implants. Save yourself from monthly fees and interest by anticipating, and paying a separate money each month for dental treatment.
Why It’s The Best: Paying up upfront means no more stressing over the constant repayment and no worrying about racking up interest. Now if you are looking into implants down the line, save your pennies now so that you can take it easy.
Final Thoughts
Dental implants are an investment, but there are a lot of different ways to reduce your overall costs. From insurance to creative payment plans, from savings to assistance programs, they are all available to give you the smile of your dreams without breaking the bank. Give us a call to see what is the best way to pay for your treatment and get on the road to a healthier, more confident smile.
10 Ways to Make Dental Implants Affordable
Implants are a life-changing solution to missing teeth as they can be placed permanently and they don’t require any special preparation. But they can be expensive, and you have to know how to pay for them. Here are 10 real-world solutions for financing dental implants so that you can get back your smile without the hassle.
Dental Implants are the ultimate tooth replacement, they are durable, functional, and they look just like teeth. But they are expensive and many of us have struggled with that. So if you’re interested in implants but worry about price, here are 10 affordable ways to fund dental implants without breaking the bank.
1. Dental Insurance
Dental insurance won’t pay for everything with implants, but they will generally only pay half of the price. That might be implant surgery, crowns or even a pre-operative exam. Be sure to check your policy or talk to your provider about your benefits. A few dental plans that cover everything, or plan specifically for implants can help you keep the out-of-pocket costs down.
Tip: If your dental plan doesn’t cover implants, consider switching to one that does or supplementary dental coverage.
2. Healthcare Credit Cards
Medical and dental healthcare credit cards (like CareCredit) are medical/dental credit cards designed for that. There are sometimes promotional periods with zero-interest options if you repay the balance within a certain period. This can reduce the price of dental implants because you’re able to pay it over several months without paying any further interest.
Why It’s a Win: Healthcare credit cards make it easy to manage spending, especially if you want a monthly plan. But you have to be sure to pay off the balance during the promotional period so you don’t end up with a high interest rate.
3. In-House Financing Options
Dental offices have private financing programs to get treatments more affordable for their patients. These plans let you spread implants cost over multiple monthly payments with minimal or no interest.
Benefit: In-house financing avoids 3rd party credit checks and can be more lenient with payments. Discuss alternatives with your dentist to find a plan within your price range.
4. Personal Loans
Getting a bank or credit union personal loan is another way to finance dental implants. Fixed interest rates and monthly repayment terms ensure these loans are attractive for patients who don’t want to make a downpayment on a loan.
How To Get Started: Comparison shop to find the best interest rate and repayment plan. Credit unions can offer rates which are better than the banks especially if you have good credit history.
5. Dental Savings Plans
Dental savings plans or discount plans aren’t insurance, but they can reduce the expense of things such as implant treatments. You join annually for an annual fee and are entitled to low rates from participating dentists.
Why It’s Worth It: Dental savings plans can discount anything from 10% to 60% on everything from implants. These plans are especially great if you do not have dental insurance and also if you are in need of an emergency.
6. Flexible Spending Accounts (FSA) or Health Savings Accounts (HSA):
Flexible Spending Accounts or Health Savings Accounts.
Use pre-tax dollars from your employer’s FSA or HSA to pay for qualified medical and dental treatments, such as dental implants.
Key Benefit: By paying with pre-tax dollars, you pay less in taxes which saves you money. FSAs normally ask you to spend the funds within the year; HSAs rollover, so they’re an all-around money-maker for implants.
7. Dental Financing Companies
Third-party financing companies are the specialists of dental and medical expenses, which can arrange individualized payment options for procedures such as implants. You can take flexible payments on the month or year-long, as companies like Proceed Finance or LendingClub do.
Why It’s Useful: These businesses generally have low interest rates and long terms, so they’re a great option for patients that want to pay for complex treatments such as full-mouth dental implants.
8. Credit Cards
It is easy to use your credit card to pay for dental implants if you have a card that is low interest or offers a promo code. Most credit cards give you cash back or points that can be used to cover the bill.
Things to Keep in Mind: Credit cards are handy, but be aware of high-interest rates if you don’t pay off the balance on time. Look for cards with 0% intro APRs to make this more affordable.
9. Grants or Assistance Programs
Non-profits and dental schools provide subsidised or free dental treatment for those who qualify. Donated Dental Services (DDS) programs or your local dental school might be able to give you implants at very inexpensive prices.
Where to Look: Look up local and national assistance programs near you. In dental schools, especially, you get excellent student care at an affordable price.
10. Savings
Personal savings is also the easiest and most economical method of financing dental implants. Save yourself from monthly fees and interest by anticipating, and paying a separate money each month for dental treatment.
Why It’s The Best: Paying up upfront means no more stressing over the constant repayment and no worrying about racking up interest. Now if you are looking into implants down the line, save your pennies now so that you can take it easy.
Final Thoughts
Dental implants are an investment, but there are a lot of different ways to reduce your overall costs. From insurance to creative payment plans, from savings to assistance programs, they are all available to give you the smile of your dreams without breaking the bank. Give us a call to see what is the best way to pay for your treatment and get on the road to a healthier, more confident smile.