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Dental Implant Financing: How Much They Cost And How to Pay

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Dental implants offer an alternative to dentures and bridges for those who have one or more missing teeth. But getting a dental implant can be an expensive procedure. Dental implants typically cost roughly $1,000 to $5,000 per tooth, and they’re not always covered by dental insurance.

How you pay for dental implants depends on your financial situation and the extent of the work required. Read on to learn about your dental implant financing options, such as dental loans and medical credit cards.

1. Search for dental insurance that covers implants

Dental insurance varies significantly in what it will and won’t cover. Typically, basic dental insurance doesn’t cover dental implants, although some insurance companies offer premium plans that cover a portion of the cost of dental implants. Even if insurance covers dental implants, it may be subject to an annual spending limit.

If you’re not certain about your coverage or limits, talk to your dental insurance company. Here are a few common dental insurance providers and the plans they provide to cover implants:

Insurance plans that cover dental implants
Insurance plan Cost covered by insurance Annual maximum
Ameritas PrimeStar 20% coverage for the first year and up to 50% in subsequent years $1,000 or $2,000, depending on coverage
Cigna Dental Care (DHMO) 80% coverage No maximum
Delta Dental PPO Enhanced Plan 50% coverage at PPO dentist, 40% at Premier dentist $1,000
Delta Dental PPO Premium Plan 50% coverage at PPO dentist, 40% at Premier dentist $1,500
United Healthcare Premier Plus 10% coverage on day one, 40% after year one and 50% after year two $2,000 annually
Coverage based on in-network providers. Plan details may vary by state and is accurate as of Feb. 22, 2021.

2. Ask if your provider offers a dental implant payment plan

Many dentists offer financing through third-party providers, and others may work with you on an in-house payment plan. Be sure to carefully review any financing offers to find out the terms. Look out for the following factors, which may impact the cost or eligibility requirements of the loan:

  • APR. The annual percentage rate (APR) is the annualized cost of financing, including your interest rate and any other fees.
  • Credit check. Does this financing offer require a credit inquiry? If so, check your credit score to see if you’ll qualify.
  • Repayment term. This is the length of the financing offer, such as a few months or years.
  • Monthly payment. Make sure the monthly payment fits into your budget, and be upfront about what you can afford.

3. Tap into your FSA or HSA

You may be able to pay for dental implants with funds from your flexible spending account (FSA) or health savings account (HSA). Both types of accounts have tax benefits, which can save you money when you’re planning your dental implant financing. See some of the key differences below:

FSA vs. HSA
Flexible spending account (FSA) Health savings account (HSA)
What is it? An account where you set aside some of your paycheck pre-tax to use for medical or dental expenses. An account for consumers with a high-deductible health insurance plan.
Who is eligible? An FSA must be sponsored through your employer. You must have a high-deductible health plan to enroll.
Do funds roll over year after year? Yes, but limited to $550 Yes
How much can you contribute annually? $2,750 $3,600 for individuals
$7,200 for families

4. Take out a dental loan

Dental loans are simply personal loans that are used to cover dental expenses. Personal loans let you borrow a lump sum of money, typically up to $50,000, which you repay in fixed monthly installments over a number of months or years.

Interest rates are fixed, but they do vary widely based on credit score. Borrowers with subprime credit may not qualify for personal loans, or they may qualify for an expensive loan with a high APR. (In this case, a secured personal loan which is backed by collateral can be a viable option.) Some personal loan lenders charge fees, such as an origination fee worth 1% to 8% of the total cost of the loan.

A personal loan may be the best option if you have a credit score that can command the best interest rates. Make sure to compare personal loan offers for dental work so you can find the one with the best terms for you. Use the personal loan calculator below to estimate your monthly payment for dental implants and see if you’re a good candidate for a personal loan:

5. Medical credit cards

Medical credit cards like CareCredit offer “No interest if paid in full” special financing, which means you may be able to avoid paying interest if payments are made on time. They may also offer long-term, reduced-interest special financing offers that can make dental credit cards a relatively affordable financing option, as long as you can stick with the payments.

However, this type of special financing is usually just a euphemism for deferred-interest financing. If the amount isn’t paid in full by the end of the promotional period, you could be charged deferred interest dating back to the purchase date. And with CareCredit’s high standard purchase APR of 26.99%, that could add up to a lot of money paid in interest.

CareCredit key takeaways
Terms
  • APR: 26.99%
  • Annual fee: $0
  • Late fee: Up to $40
  • Minimum interest charge: $2
Special financing*
  • No interest if paid in full within 6, 12, 18 or 24 months.
  • Reduced APR for financing at 24, 36, 48 and 60 months.
How to apply for CareCredit
  • CareCredit partners with your medical provider, who may offer this medical card as a financing option. You can also apply on CareCredit’s website, if you’re going through one of CareCredit’s partner providers.
*Special financing offers valid as of Feb. 22, 2021.

How much dental implants cost

Since dental implants involve surgery, the costs will vary greatly depending on your needs. For example, the cost of full-mouth dental implants will be much higher than simply replacing a single tooth. Dental implants typically cost roughly $1,000 to $5,000 per tooth, according to consumer price estimator tool CostHelper.

The exact cost of your dental implants will vary based on a number of factors, including the extent of the work needed, the experience of your periodontist and even where you live. Here’s an extensive breakdown of how much dental implants cost based on the services you need:

The price of dental implants
Service Price range Average cost
Single implant $1,000-$5,000 $2,488
A single implant with an abutment and dental crown $1,500-$13,000 $4,263
2 implants with a 3- or 4-tooth dental bridge $4,000-$16,000 $8,486
Full set of implants with a single denture plate $3,800-$27,900 $14,226
Full set of implant-supported dentures $6,400-$80,000 $34,119
Source: CostHelper
 

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