Cost of Dental Implants
Many patients find alternate payment options to make their dental implant treatment more affordable.
Dental implants are today’s best option for replacing lost or failing teeth and have the potential to last a lifetime. Of course, like anything that involves state-of-the-art technology and the services of skilled professionals, implant treatment is not cheap but rather a long-term investment.
No two patients are exactly alike, so the cost of dental implant therapy may vary accordingly. After an initial consultation and assessment with your doctor at Gendler Dental Center, you will receive a personalized treatment plan with the cost to move forward.
Financing Your Implant Treatment
Patients often finance most or all of the cost of dental implant therapy over a period of time. Because many life-enhancing procedures like dental implants and permanent dentures are considered “elective,” most patients understand that dental insurance may satisfy only a small portion of the procedure. So, if you need and want dental implant treatment, what are ways you can pay for it?
Some common methods patients use to help pay for dental implant procedures include:
- Healthcare installment plan
- Home equity line of credit
- Retirement plan loan – 401(k) or 403(b)
- Flexible spending account (FSA)
- Credit union or personal bank loan
- Credit card
- Dental insurance
Healthcare Installment Plan
If you require a payment plan to cover the cost of your dental implant procedure, you are not alone. Every day, Gendler Dental Center patients use healthcare financing companies that specialize in helping patients establish payment plans. A healthcare financing program allows patients to immediately receive the prescribed dental implant treatment while making small monthly payments over an extended period of time. Talk to a Patient Care Coordinator about which healthcare payment solution(s) may be the most affordable for you.
Home Equity Line of Credit
We often take out home equity lines of credit to make certain purchases more affordable such as finishing a basement, a child’s college tuition or quality of life improving healthcare expenses. Patients who want to enhance their oral health and quality of life by improving their ability to eat certain foods and to smile with confidence in public commonly cover the dental implant procedure and Gendler Dental Center with a home equity line of credit. Current interest rates make this an attractive option to choose.
Retirement Plan Loan
Borrowing from a savings fund such as a 401(k) or a 403(b) retirement account is often considered to be a viable way to pay for dental implant procedures like implant supported permanent dentures, bridges, and crowns. This option includes multiple advantages such as low monthly payments that may be extended over a five-year period, low interest rates that are deposited to the patient’s retirement account (instead of interest paid to a lending institution), and approval is based on funds saved through the patient’s retirement account, not credit score or income. Depending on your age, other benefits may be available as well. Speak with your human resources department to find out what options are available.
Flexible Spending Account for 2019
As of January 1, 2019, the federal government* will allow employees to deposit up to $2,700 of their before-tax income into a Flexible Spending Account (FSA) to cover uninsured healthcare expenses tax-free. Several Gendler Dental Center patients have utilized funds from their personal FSA accounts to help cover the cost of their procedures and dental restoration treatments. Speak with your human resources department to find out more details.
*IRS — IR-2018-224, November 16, 2018
Credit Union or Personal Bank Loan
Based in part on an individual’s credit score and the financial relationship established with a credit union or banking institution, securing a personal loan through a credit union or bank is a common method used to finance higher-cost dental procedures such as full arch solutions with implant supported permanent or snap-on dentures. Speak with your local credit union or banking institution for low interest rate financing options that may satisfy your need to finance the smile transforming procedures at Gendler Dental Center.
Credit cards bring their own set of advantages including frequent flyer miles, cash back rebates, low/no interest rate promotions and purchase protection. A credit card is a common method used by dental patients to cover the cost of the various dental implant options for these and other reasons. Whether you consider using a credit card to pay for your all on four, or other implant supported tooth replacement procedure in its entirety or for a portion of it, consider which credit card will offer you the greatest advantages.
Dental insurance is most effective when it is used for preventive and basic procedures such as dental cleanings, fillings and crowns. Since dental insurance plans commonly carry an annual maximum between $1,500 to $2,000, patients who choose to have the smile transformation procedures will generally view dental insurance as a way to supplement the total cost of this procedure. A Patient Care Coordinator at Gendler Dental Center will do their best to help you maximize your dental insurance benefits for the various dental treatment available Gendler Dental Center procedure.
Doing Nothing Also Has Costs
As you look into the cost of dental implant treatment with Gendler Dental Center and consider your financing options, there’s a related question you should ask: “What is the financial cost of NOT taking prompt action to restore my smile, confidence and ability to eat the foods I want?”
As it turns out, the longer a person waits to receive dental implants, the more jawbone loss he or she will experience over time. Increased levels of jawbone loss may lead to higher cost since it may be necessary to perform the implant procedure in multiple stages, rather than in one day.
Fortunately, you can avoid this by acting promptly to safeguard your health and your smile. Where’s the best place to start? Schedule a consultation with a Certified Gendler Dental Center Provider today! Call or text us at (952) 836-1113