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Dental implants are metal posts that look like screws that replace tooth roots. Broken or missing teeth are then replaced with prosthetic teeth that look and function identically to natural teeth. Dental implants are designed to look and feel like your natural teeth. Furthermore, when compared to alternative tooth replacement options, dental implants appear by far the most natural.
8 Ways To Afford Dental Implants Cost
Have you put off obtaining dental implants due to the exorbitant cost? True, the dental implants cost can be intimidating, but it is worthwhile, and here are some methods to make it more affordable.
1. Healthcare installment plan
For patients who need to fund the entire treatment cost or only the balance after insurance coverage, Care Credit, Lending Point, and Lending Club are excellent options. These businesses can assist you in paying for charges not covered by insurance, whether you are obtaining dental implants placement or merely need a dental exam.
2. Flexible Spending Account (FSA)
As an employee, you can contribute up to $3,050 of your pre-tax pay to a Flexible Spending Account (FSA). These FSA funds are tax-free monies that can be used to cover uninsured medical and dental expenses.
When only one or two dental implants are required, FSA funds will pay a larger portion of the complete treatment, lowering the overall cost. You can learn more about FSAs here.
3. Health Savings Account (HSA)
HSAs allow you to set aside a portion of your pretax income to pay for healthcare expenses not covered by insurance. Contributions are tax-deductible. A High Deductible Health Plan is included in an HSA (HDHP). Up to 35% of all dental costs can be covered by an HDHP. Find out more about HSAs.
4. Dental Schools
Numerous dental schools in the United States offer the clinical experience to undergraduate students. Professional dentists and oral surgeons closely oversee these undergraduates.
A few dental schools give free dental services, while others offer teeth implants at a reduced cost. In some circumstances, you only need to pay for materials and equipment fees.
5. Dental membership savings plan
A dental payment plan (Capitation Plan), which is a payment option provided by a dentist, allows you to pay a monthly fee toward any treatment you receive. A dental payment plan entails regular monthly payments, which may be a useful way to spread out the costs.
6. Personal loans
A 401k or 403b retirement account is a fantastic place to start when looking for dental implant financing. If you intend to stay with your current company, this is a good option to obtain a payment plan for dental implants. Otherwise, you must repay the total sum within 60 days. Home equity loans allow you to borrow against the equity in your home, which is the market worth of your home less the amount owed on your mortgage. The interest rates on home equity loans or lines of credit are determined by the prevailing mortgage rate.
7. In-house Financing
Our office provides convenient in-house payment plans for dental implants in order to accommodate all of our patients, regardless of insurance status. You can also use third-party, no-interest financing companies to pay for dental implants such as Care Credit and Lending Club. Most financing firms offer one-year, zero-interest options to help lower the cost of dental implants.
8. Insurance
Most financing firms offer one-year, zero-interest options to help lower the cost of dental implants.
Furthermore, if your dental implant operation lasts two calendar years, you may be eligible for benefits for two years.
How can I acquire insurance to cover dental implants?
Dental insurance programs that provide coverage for accidents that necessitate tooth replacement may cover dental implants. You might be able to persuade your dental insurance provider to reimburse you for dental implants that cost the same as a bridge or traditional dentures. We will work with your benefits coordinator to optimize your insurance benefits. Our office can also assist you in obtaining insurance coverage for some or all of your dental implants.
Are dental implants worth the money?
Yes. Dental implants are the most effective way to restore your bite and dental health. The condition of your teeth and gums has a significant impact on your general health, medical bills, and quality of life. Also, it is the closest alternative to genuine teeth.
Can I use my 401k for dental implants?
Yes, you can use your retirement funds from a 401k or 403b account as a dental implant financing option. Borrowing from your own 401(k) account is a reasonably quick and straightforward alternative when compared to other forms of financing, and it is typically a very reasonable one, with moderate origination fees and low interest.
What is the best dental insurance for dental implant procedures?
Ameritas, Spirit Dental, Delta Dental, and Guardian Direct are just a few of the dental insurance companies that offer excellent coverage for dental implants. Ameritas and Spirit Dental dental insurance do not include implant waiting periods.
Can you spread the Cost of Dental Implants?
Loans, credit cards, and payment plans are available to help spread the cost of implant dentistry treatments. Financing allows you to pay for your surgery in installments rather than all at once, which can be stressful.
Top Dentist Dr. Ronald Ayzin have years of experience in dental implants procedure and the team will guide you through the entire procedure. Schedule an appointment today for Dental implants Laguna Dental Center so we can help you how to save money and which one is best for you.
