Are you considering dental implants to enhance your smile? Dental implants can make a huge difference for anyone who’s dealt with the challenges of poor oral health. However, this important procedure may be out of reach if finances are an issue.
Don’t worry—you don’t need to go into debt or break the bank to complete dental implant procedures! Many opt for payment plans instead, which alleviate financial burden and enable you in more ways than one when dealing with costly procedures. But it’s still important to ensure you understand all of your options when deciding how best to finance dental work. That is why we have compiled some helpful information on everything you need about dental implant payment plans!
Overview of Dental Implants and the Benefits
Teeth implants mimic the look, feel, and function of natural teeth. They are made up of a titanium screw surgically placed into the jaw bone and a dental crown attached to the screw.
Implants are incredibly durable and can last a lifetime with proper care. Unlike dentures, which can slip and adjust around in the mouth, implants are securely anchored in place. This means you can speak, eat and smile confidently and comfortably.
One of the biggest advantages of this dental treatment is that it prevents bone loss. Due to a missing tooth, the bone in the concerned area starts to worsen. This can cause the surrounding teeth to displace and become loose, leading to even more tooth loss.
Implants act as replacements for the roots of the missing teeth and stimulate the jawbone to prevent bone loss. This dental treatment also helps maintain the face’s structure and prevents the sunken-in look that can occur after tooth loss.
The Cost of Dental Implants
On average, implants per tooth cost can start from $1,000. Full mouth implant cases cost can start anywhere from $7,000. However, it is crucial to note that these are just estimates, and your dentist will provide a more specific estimate based on your specific case.
Factors Affecting the Cost of Dental Implants
- The number of missing teeth: The cost of a single dental implant is different than the cost of a full mouth of implants
- The type of dental implant: Different materials and designs are available, which can influence the cost.
- Additional procedures: Some patients might require other treatments, such as bone grafting or sinus augmentation, to make implant placement more successful.
- The dentist’s experience: Experienced dental providers have higher fees than those with less experience.
Types of Payment Plans for Dental Implants
This section will guide you through various payment options for implants.
Although dental insurance varies, most plans only cover a portion of dental implant costs. However, some insurance companies include implants in their coverage options. As such, before you commit to any payment plan, check with your insurance manager to see if the treatments are covered under your insurance plan.
Many dental practices offer in-house financing and payment plans. This is a good option if you do not have dental insurance but still need to undergo dental implant treatment.
This is an interest-free payment plan, making it easier for patients to make affordable and interest-free payments to cover the dental implant treatment cost.
Dental payment plans are ideal for those who want to avoid taking out a loan or opening an account. A dental payment plan may require a down payment, but this will usually be a small amount, making it easier for patients to cover the cost of their orthodontic treatments.
Credit programmes can also help patients pay for their dental implant procedure. Credit programmes offer loans specifically designed to cover medical procedures.
These programmes are an option if you do not have insurance or are not eligible for in-house financing. Before choosing a credit programme, consider the interest rates and the time needed to pay off the balance.
Flexible Spending Accounts (FSAs) and Health Savings Accounts (HSAs)
FSAs and HSAs are tax-exempt savings accounts where you can store money for dental fees.
It’s important to note that these options have a pre-set annual contribution limit and must be used by the end of the year.
Before opening these accounts, please familiarise yourself with the rules, including what expenses are covered, whether they require credit checks, and whether they are interest-free.
Questions to Ask When Considering a Payment Plan for Teeth Implants
If you’re considering a payment plan for implants, there are specific questions you should ask to ensure you’re getting the best deal. This blog section will guide you on essential questions when considering a payment plan for implants.
What is the total cost, and what does it include?
The first thing you should understand is the total cost of the procedure and what it includes. This will provide you with a clear idea of what you’re paying for and what you can expect.
What are the payment options available?
The next step is to discuss payment options with your dental implant provider. Some providers offer interest-free financing, while others may charge interest, depending on the payment duration.
What is the duration of the payment plan?
The duration of the payment plan is an essential factor to consider before getting dental care. Some providers may offer payment plans that last three, six, or twelve months. Others may offer a longer payment for a treatment plan. Ensure you ask about the duration and other detailed financial information to plan your finances effectively.
Are there any hidden charges?
You must know of any extra or hidden charges when considering a payment plan. These may include charges for missed payments, late payments, or early closure of the payment plan.
What happens if the implant fails?
Although dental implant failure is rare, it’s essential to understand what happens if it occurs. In most cases, dental implant providers offer guarantees and warranties. Ensure you ask about the timeframe and what’s covered in the guarantee.
Implants are a worthwhile investment and can be life-changing for our clients, not just in terms of their confidence and self-esteem but also in terms of improved oral health. We offer many options to facilitate our patients according to their needs and requirements. If you would like further information on the range of dental implant solutions or payment plans available – please don’t hesitate to contact Balmoral Dental Centre at (07) 3113 9789 – our team will be more than delighted to have a no-obligation chat with you to address any queries or concerns that you may have.
Dental implant surgery – Mayo Clinic
Dental Implant Financing & Bad Credit: Here Are Your Options – HFD