Paying for dental implants can be a significant investment. The expertise of Dr. Mancin and the personalized care at OP Implant Dental in Overland Park allows you to achieve a confident smile with a less-than-perfect credit score.
This guide is for informational purposes only and does not constitute financial advice. Financing terms, interest rates, and approval criteria vary by lender. Consult a qualified financial advisor before making borrowing decisions for dental implant treatments.
Dr. Mancin is dedicated to providing patients with high-quality dental implant solutions tailored to their needs, along with flexible payment options to fit any budget.
This article explores the costs, financing options, dental insurance plans, and the benefits of choosing OP Implant Dental for your dental implant journey.
Key Facts About Dental Implant Financing
Compare Dental Implant Financing Options
Here’s a quick side-by-side look at common ways patients pay for dental implants before diving into the full details below.
Cherry Finance
Typical APR Range: Varies by applicant
Best For: Patients looking for a fast application and flexible monthly payments
Approval Difficulty: Easy to Moderate
Proceed Finance
Typical APR Range: Varies by applicant
Best For: Larger treatment plans that may need longer repayment terms
Approval Difficulty: Moderate
CareCredit
Typical APR Range: Varies by applicant
Best For: Patients already familiar with healthcare financing
Approval Difficulty: Moderate
Personal Loan
Typical APR Range: Usually 6.9% to 19.9%
Best For: Patients who want fixed monthly payments through a bank or lender
Approval Difficulty: Moderate
HSA / FSA
Typical APR Range: No financing, uses your own pre-tax funds
Best For: Patients with eligible healthcare savings available
Approval Difficulty: Easy if funds are available
HELOC
Typical APR Range: Varies by lender
Best For: Homeowners considering larger borrowing amounts
Approval Difficulty: Moderate to Difficult
Financing Options for Dental Implants
- Dental Payment Plans
- Medical Credit Cards
- Personal Loans
- Special Financing Programs
- Family & Friends Options
Dental Payment Plans
Dental implant surgery payment plans are just like financing a car, except maybe less painful!
Meaning, you will not pay the entire cost of your implants right away.
Patients will have a down payment for the implant treatment plan. Typically, this is around 10% of the total price, depending on your credit.
You will pay interest on the loan just like a car loan. Interest rates will vary depending on the amount you need to borrow. Dental implant financing is the best option for most patients.
The best way to get approved for this financing is with a free consultation and in-person dental exam.
Dental offices like OP Implant Dental provide a free CT scan. Once completed, we will know the overall cost of restoring your tooth or teeth to their natural function.
Standard payment plans are not the only option available; medical credit cards are another excellent option.
Medical Credit Cards
Medical credit cards, like CareCredit, allow patients to pay for treatment over time. These cards work like regular credit cards, except you can only use them for medical, dental, or veterinary expenses.
An example of how this works is when you need a single dental implant. Let’s say the dental implant cost is $2,500; the remaining balance on the card can be used for other medical care needs and healthcare-related expenses.
Medical credit cards are not typically used for more expensive treatments like full-mouth dental implants.
Patients who use CareCredit and other dental credit card options must make the minimum monthly payments to avoid higher interest rates just like regular credit cards.
OP Implant Dental offers CareCredit.
Besides dental credit card options, personal loans are another great way to get help paying for implants.
Personal Loans: Dental Implants
Personal loans can be a practical way to finance dental implants. These usually provide a lump sum of money upfront to cover the procedure costs.
By using a personal loan you are borrowing a set amount from a lender. The lender is usually a bank, credit union, or online lending club.
You agree to repay the total cost in fixed monthly installments over a specified term. These loans will have interest, but some do offer zero-interest.
Many lenders offer flexible loan amounts and competitive rates. This is always based on how good your credit is
It’s a great financing option and allows patients to manage the cost of dental implants without needing to pay the full amount out-of-pocket.
Credit Unions
Credit unions usually offer better interest rates, approvals, and payment options to their members who need financing to pay for the cost of implants.
To become a member might be easier than you think. Some only require you live in the State of the Credit Union for membership.
Special Financing Programs
You can avoid standard dental financing options that often come with high interest rates, rigid payment structures, and limited approval criteria at OP Implant Dental.
Our special financing programs are designed specifically for full mouth dental implant procedures.
We partner with leading healthcare lenders to offer benefits like:
- Extended terms
- Low or zero-interest promotional offers
- Lower monthly payments
These beneficial loan options can be adjusted to fit comfortably within your budget.
For example, a patient was approved on April 9, 2026 for a $6,837.50 dental implant treatment and financed it for 12 months with 0% interest, their monthly payment would be $570.80. Actual monthly payments can change depending on the lender, your credit score, and the loan amount.
Choose one of our loan-providers below and start today:
Most patients do qualify, including those with less-than-perfect credit.
This makes comprehensive implant treatment accessible to a wider range of candidates than traditional plans allow.
During your consultation our team will walk you through your financing options. We will help identify the program that works best for your situation. Including deducting anything your insurance covers. This way, cost never stands between you and a fully restored smile.
Special financing is available because OP Implant Dental is a reliable, safe implant provider in Overland Park.
When lending companies see a dentist is a low-risk, top provider of whole mouth implant treatment, patient financing plans have low-rates for and higher approval .
Standard dental financing can have higher interest rates and rigid structures. OP Implant Dental financing plans offer extended terms and lower interest rates because of our high-level of service.
If you don’t get approved for these types of plans, you still have options. HELOC loans can be a great option.
Home Equity Line of Credit
A HELOC for short. This is a good option when you need to pay for more expensive dental implant procedures.
A home equity loan means you are borrowing from the value of your home to pay for things. Before borrowing against the value of your home, you should consult with a financial planner about your personal finances first.
Important: A HELOC uses your home as collateral. If you are unable to repay, you risk losing your home. Always consult a financial advisor before borrowing against home equity for medical or dental expenses.
You will need to own your home and have positive equity, or close to it, to get approval. Once approved you can spend the money on restoring your smile.
If you don’t own your home, asking for help is another choice.
Family & Friends Option
Is it time to ask your friends and family for help? Asking for help can be awkward.
Believe it or not, quite a few patients get help with dental implants from their family and friends.
Dental health is directly tied to your overall health.
What better way for your friends and family to support your journey to a happier, healthier life than by helping you achieve a confident smile with dental implants?
Sometimes you don’t even need to borrow the money, you just need a co-signer on the loan. Co-signers on dental loans and personal loans can help you get the financing you need.
Additionally, patients will borrow just down payment from people they know because they can easily make the monthly payments and just don’t have the money to start the implant process.
Whichever financing option you choose, the next step is getting your dental insurance to pay for some of the treatment.
Dental Insurance and Implants
Dental insurance providers offer partial coverage for implants. The total out of pocket cost is determined by the plan you have and the insurance company’s willingness to pay.
By and large, insurers will not pay for dental implants in full.
However, at OP Implant Dental in Overland Park, our team will help you maximize your insurance benefits. Things like tooth extractions are generally covered.
Dental insurance policies typically will not cover the full cost, so financing options will be used to make up the difference.
What to Expect from Dental Insurance
Dental insurance covers works in a couple different ways.
- You have a total dollar amount covered for dental care per year. Once that is used-up you are responsible for the difference. Dental offices will normally help you submit your claim. You will be charged and pay the full price for the costs of dental implants. Then, whatever your insurance company pays for the treatment you keep.
- You have a more extensive dental plan, but the insurance company uses UCR to determine what treatment and how much you are covered for. UCR is usual, customary, and reasonable. If your implant dental expenses for treatment are $3,000 and the insurance company determines the national average is only $2,000, you pay the difference.
The two examples are a generalization of dental insurance coverage. Everyone with dental insurance will need to check their plan for specifics.
How to Check Your Coverage
There are a few steps for checking your health insurance dental coverage.
- Find out if the dental office you want to use is on your plan.
- Get a free consultation and the total cost of treatment.
- Work with the dental practice team to figure out coverage.
- Contact your insurance company before treatment to confirm everything.
Private insurance companies will offer some coverage, unlike Medicaid and Medicare.
Government Assistance Programs
Unfortunately, government programs do not cover the cost of implanted artificial teeth. Since implants have not been deemed “necessary to thrive”, government programs do not offer assistance.
Medicaid and Medicare
Medicaid and Medicare do not offer coverage for multiple or single tooth implants. These programs go by the “failure to thrive” coverage model.
The failure to thrive coverage means you are not covered if:
- You can still live and thrive without the treatment
- A less expensive option is available to help you
Medicare and Medicaid may provide some coverage for traditional dentures, but not implant-support dentures.
According to Medicare.gov, Medicare does not cover most dental services, including routine cleanings, fillings, tooth extractions, dentures, and dental implants. [1]
Dental Schools and Clinics
Dental school clinics offer lower-cost implant placement supervised by licensed faculty. They can replace your missing teeth with different types of implants.
Patient should know that treatment timelines are typically longer due to the educational setting. They use step-by-step checks which usually result in longer timelines. Additionally, continuity of care may be limited as students and/or faculty rotate.
Prices are typically 30% to 50% lower than private practices because the patient is essentially trading their time and fast appointment availability for a discount.
Patients should weigh cost savings against these factors and ask about faculty supervision levels.
Dr. Mancin recommends not waiting on fixing a missing tooth and exploring our low-cost financing plans before getting a “low-cost implant treatment” at a school.
Kansas residents can review state resources and find dental help through KDHE.
Employment Related Plans
Your employer can help you with health savings accounts. These plans are set-up through your employer. Your employer will sent a set amount of money from your paycheck to a saving account.
Health Savings Accounts (HSAs)
Health Savings Accounts (HSAs) are tax-advantaged savings accounts designed to help individuals save for dental and medical expenses.
HSAs are typically available to people enrolled in high-deductible health plans (HDHPs). These offer three key tax benefits:
- Contributions are tax-deductible
- Earnings grow tax-free
- Withdrawals for eligible healthcare costs are also tax-free.
Money in an HSA can be used to pay for a wide range of medical expenses. The expenses include doctor visits, prescriptions, dental work, and in some cases, dental procedures like implants.
Unused funds roll over year to year. The great feature is the account remains with the individual even if they change jobs or insurance plans.
HSAs provide a flexible and efficient way to manage your healthcare costs and reduce taxable income.
Flexible Spending Accounts (FSAs)
Flexible Spending Accounts (FSAs) are employer-sponsored. These tax-advantaged accounts allow individuals to set aside money before taxes are taken out. The money taken out can cover eligible medical care, dental services, and vision expenses, including dental implants.
Contributions are deducted from your paycheck and reduce your taxable income. FSA contributions have a yearly limited amount set by the IRS.
FSA funds must typically be used within the plan year you put the money in. Some of these plans offer a grace period or limited carryover options for the next year.
For dental implants, an FSA can help cover out-of-pocket costs like tooth extraction procedures, bone grafting, and follow-up care. Using an FSA account makes the investment more affordable.
It’s important to plan carefully, as unused funds generally do not roll over and are forfeited at the end of the plan year.
Understanding Dental Implant Costs Before You Finance
Dental implant costs can vary based on the number of implants needed, whether additional procedures are required, and the type of restoration you choose. For a full breakdown of implant costs by procedure type, visit our How Much Are Dental Implants page.
Main factors that affect cost include how many implants you need, your gum condition, whether you bone-graphing or extraction are needed, and the type of restoration being used.
Understanding what your dental implant treatment may cost is the first step before deciding how you want to pay for them. This is why we recommend reviewing our full Dental Implant Cost Guide and getting a free evaluation.
Paying for Implants Conclusion
Wrapping things up about how to pay for dental implants, you have a variety of options.
- Payment Plans
- Medical Credit Cards
- Credit Unions
- Dental Insurance
- Home Equity Lines of Credit
- HSA & FSA Accounts
- Friends & Family
Planning how to use these options is important and can save you thousands of dollars. Our team in Overland Park is here to help.
We help patients from Overland Park, Olathe, Lenexa, Leawood, and across the Kansas City metro find affordable dental implant solutions.
Additionally, this article provides general information about financing options and is not financial advice. Consult a financial advisor for guidance specific to your situation.
Come visit our team and meet Dr. Andrew Mancin. We are here to help.
Frequently Asked Questions
Many dental insurance plans do not fully cover dental implants, but some may help pay for parts of the treatment such as exams, extractions, crowns, or other related procedures. At OP Implant Dental, our team will help you review your benefits and understand what your plan may cover.
Original Medicare usually does not cover routine dental care or dental implants. Some Medicare Advantage plans may offer limited dental benefits, so patients should review their plan details carefully before treatment.
In many cases, yes. HSA and FSA funds can often be used for eligible dental expenses, including procedures related to dental implants. Coverage depends on your specific plan, so it is smart to confirm the details with your provider or benefits administrator.
Yes, some patients with less-than-perfect credit may still qualify for financing. Approval depends on the lender, your credit profile, and the loan terms. OP Implant Dental works with financing partners that offer options for a range of credit situations.
OP Implant Dental works with financing partners including Cherry Finance, Proceed Finance, and CareCredit. Patients may also explore personal loans, HSA or FSA funds, or other payment options depending on their needs.
OP Implant Dental Office Manager Sunee Harmon said a patient got approved with Cherry Finance in 3 mins. The patient was able to get their dental implant placed the same-day.
