How to Pay for Dental Implants?

23 March, 2022

Dental implants are often considered a long-term solution for replacing missing natural teeth. During the procedure, a small metal post is placed into the jawbone with a dental prosthesis such as a crown, bridge, or denture attached to it. And while this is usually an excellent option for replacing missing teeth, people often wonder what it costs and how to pay for dental implants.  

Insurance plans do not always cover dental implant costs. Therefore, how you pay for dental implant surgery largely depends on your financial situation and the extent of the work required. However, the dental benefits of teeth implants over other dental solutions can be significant because they can entirely replace your missing teeth while preserving the adjacent teeth. Therefore, if you’re interested in teeth implants, it would be beneficial to consider these dental implant financing options to discover how you can afford them.  

How Much Do Dental Implants Cost?  

Because dental implants require surgery, the cost will vary substantially based on your specific requirements. The cost of full-mouth dental implants, for example, will be considerably more than the cost of replacing a single tooth. However, here at Precision Oral Surgery, we pride ourselves on being able to accommodate patients who do not have insurance coverage with low cost options and financing options as well.  

Factors That Can Influence the Final Cost  

Because dental implants provide a permanent, long-lasting solution compared to other options, they often cost more than alternative tooth replacement options such as fixed bridges or removable partial dentures. However, the following factors can also influence the final cost of your teeth implant: 

  • The type of material used 
  • Extraction of problem teeth, if necessary 
  • If you require gum shaping or bone grafts 
  • Number of replacements 
  • The type of anesthesia utilized 
  • Fabrication of the dental crown 
  • Experience and expertise of the dentist 
  • Location of the dental clinic 

In addition to the above factors, the cost will also be affected if the individual suffers from gum ailments or has other oral health issues. Our oral surgeons will treat many of these issues before performing the actual implant when this is the case. And because these initial treatments are necessary to maintain your overall dental health, the cost of these procedures will also be factored into the final cost of the implant. 

How to Pay for Dental Implants?  

When it comes to financing teeth implants, your first step should be to find out exactly what your insurance provider can cover. While implants aren’t usually covered by insurance, some plans may pay a percentage of the cost, especially if you consult an in-network provider. It would also be useful to determine whether you can afford a dental insurance plan that covers them. 

Our expert oral surgeons do not want cost to get in the way of your dental health, especially if it means you’ll go elsewhere for a low-priced implant that may fail or forgo treatment entirely. Therefore, at Precision Oral Surgery, we partner with institutions that help to facilitate financing for our patients. 

The following is a list of alternative payment methods used to cover the cost of dental implants. 

Healthcare Credit Card 

Individuals can use medical credit cards such as Care Credit that offer financial aid to those who require medical treatment. Unlike a conventional credit card, a medical credit card is only used for medical and health-related expenses. If approved, you can use your medical credit card to finance a dental implant procedure or other cosmetic dental procedures at locations within the credit card network. 

A medical credit card is also a good option if you want immediate dental restoration because it allows you to begin the dental implant treatment process right away. They may also provide low-interest special financing options, making dental credit cards a viable financing option if you can keep up with the minimum monthly payments. Alternatively, you can pay off the sum in full as and when your income goes up.  

Dental Loans  

Dental loans are unsecured personal loans that can cover the cost of expensive dental procedures. They allow you to borrow a big sum of money and return it over months or years in fixed monthly installments. If you have a credit score that qualifies you for the lowest interest rates, a personal loan may be the best option to cover the cost of your teeth implant.  

FSA and HSA Accounts 

You may be able to pay for dental implants with funds from your flexible spending account (FSA) or health savings account (HSA). Both accounts offer tax advantages, which can help you save money when it comes to dental implant financing. 

As of January 2021, the U.S. Internal Revenue Service (IRS) will allow individuals as employees to deposit up to $2,750 of their before-tax income into a Flexible Spending Account (FSA). These tax-free FSA funds can be used to pay for uninsured medical bills that are not covered by insurance. FSA funds will also cover a larger portion of the total implant procedure when only one or two implants are required. 

Are Dental Implants Worth It? 

Dental implants are a surgical procedure with a proven track record of success and longevity. This treatment option is only carried out after a thorough evaluation to increase its success rate. Therefore, a great deal of time and detail goes into the treatment planning stage to select the best implant solution for the individual. 

While the procedure is lengthy and the cost may seem daunting, many people believe that dental implants are well worth the time and money. This life-enhancing procedure is a lifetime investment for many.  

If you are interested in dental implants please contact us today. We have two convenient locations in Greeley and Thornton, Colorado.


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