Dental implants are an investment in your oral health. There is no question that the procedure to place dental implants costs more than other options. However, price isn't everything. Many people would argue that the long term value and functionality from dental implants is well worth the cost. If you decide to get an implant, here are some financing options to consider.
You can always choose to pay with cash, credit card, or check for your dental implant procedure. Since the several appointments needed to place a dental implant take place over the course of a few months, some dental practices will allow you to pay for the dental implant in a few separate payments, which can make paying for the procedure seem more manageable.
If you are enrolled in a dental insurance plan, it is possible that some or all of the costs associated with the procedure will be covered. Just be sure to carefully review your plan details. Because of the high cost of the procedure, you will have to see what deductibles, co-pays, waiting periods, and annual maximums could be in effect. You can call your dental insurance plan's member line to clarify what is covered.
Dental Savings Plan
Enrolling in a dental savings plan that your dentist will accept is one way to save money on dental implants. Typically, a dental savings plan costs between $50 and $100 or more to enroll for the year. Instead of traditional dental insurance coverage, the savings plan will provide you with a discount on any applicable procedures, as outlined in the plan. The benefit of getting a dental savings plan is that you can often enroll just one day before receiving the discount.
Dentist Office Financing
Some dental offices offer payment plans or separate financing for more expensive procedures, such as dental implants and braces. It is not a service that all dental offices are able to provide. However, it is a smart idea to ask the front office staff about financing options to see what is available. If a payment plan is not available, there might be a discount for patients that pay for the entire procedure upfront.
Healthcare Credit Card
There are specialized credit cards available to pay for medical-related expenses. Often, these cards have 0% financing for larger charges if paid in full over a set number of months. These cards can also be utilized for veterinary and dental services.