Dental Implants Cost and Financing

Dental implants are widely considered the most stable and durable restorative dentistry option for replacing missing teeth. Offering a number of functional and aesthetic benefits, dental implants are often considered by patients who have missing or severely decayed teeth. One important thing for patients to consider before receiving dental implants, however, is how much dental implants cost. Because the procedure for placing dental implants is somewhat invasive, prices can be high, and the costs can vary based on number of factors. This page serves as an overview of the elements that can effect the dental implants cost.

Pricing Breakdown

On average, dental implants generally cost between $1,500 and $2,000 per tooth. Patients seeking entire sets of dental implants usually receive a slightly discounted price, as costs range from $12,000 to $26,000 for one jaw, and $24,000 to $72,000 for a full mouth restoration.

What Affects the Cost of Implants?

Because no two patient cases are alike, the dental implant procedure is one that is highly individualized and comprehensive. The exact cost of your dental implants can vary greatly based on a number of factors, including:

• The number of implants being placed
• Amount of preparation required before surgery (tooth extraction, bone grafting, etc)
• Condition of the gums (Gums must be disease-free prior to the procedure)
• Experience of the dentist (certifications, specialties, etc.)
• Type of dental implants and material used
• Type of restoration used
• Region of the country where procedure is performed

Is the Procedure Covered by Insurance?

Because there are a number of alternative treatments to dental implants, many dental insurance plans to not cover the procedure. Fortunately, there are other options for paying for dental implants. Many dentists offer payment plans and financing through third-party companies to cover the dental implants cost. Ask your dentist what arrangements are available before undergoing the procedure.

Types of Financing

When it comes to financing dental implants, there are two main options: a third-party plan or in-house financing. With in-house financing, you are able to set up a scheduled payment plan exclusively with your dentist. Third-party financing involves receiving a loan from a separate credit institution. In order to take advantage of third-party financing, however, your dentist must be set up to accept payment from that source. One of the most widely accepted financing plans is CareCredit®.

CareCredit®

CareCredit® is a unique financing system that works similar to a credit card. The company offers no interest and low interest payment plans, as well as extended payment plans with fixed monthly payments. Patients must apply for a line of credit, and are approved based on their credit history and other information on the application. In the event that a patient has poor credit, they may apply with a co-applicant. CareCredit® can be used for financing dental implants as well as other health care procedures. However, it is important to use the card wisely to avoid higher interest rates and accumulating debt.

Flexible Spending Account

Many employers now offer a medical spending account to be used for elective procedures or out-of-pocket costs. This account consists of pre-tax income that is set aside each pay period. If you have a flexible spending account set up with your employer, you may be able to use this money to pay for part or all of the dental implant procedure.

Other popular options for financing dental implants include:

• Chase Health Advance
• All Care Patient Financing
  
• Credit Medical

How Financing Works

The first step in figuring out how you will finance dental implants involves speaking with your dentist and their office staff. These individuals can help you select an appropriate plan and aid you throughout the process. If you are opting for in-house financing they will work with you to set up the parameters of your payment plan. For third-party financing, many major financing institutions like CareCredit® allow you to apply online and receive a response instantly. These financing firms will pay your dentist in full and you can begin making monthly payments. Depending on your specific financial situation, payments will be spaced out (sometimes for up to five years), to allow you to receive the oral health care you deserve.

The Importance of Choosing an Experienced Dentist

While the cost of dental implants must be considered before undergoing the procedure, it should not be the sole factor in your decision. Even though choosing a dentist who offers a cheap price may seem enticing, the truth is that in many cases you get what you pay for. The dental implants procedure is relatively invasive and requires great skill. You should consider a number of things besides pricing, including the experience of the dentist and the level of pre-and postoperative care available at his or her office. Choosing the right dentist can mean the difference between paying to have your dental implants redone within a few years and having them last a lifetime.

Find a Dentist

While there are some risks associated with dental implants, the procedure has a very high success rate. Your dentist will perform a comprehensive evaluation to determine whether or not you are a viable candidate for dental implants before the procedure. Contact a dentist in your area to schedule a dental implants consultation.