Paying 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.
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.
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.
Overland Park 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
Some treatments have their own in-house financing programs. For example, the Renew Smiles implant dentures system.
This revolutionary fixed-removable, on-4 dental implant denture typically costs 60% less than permanent implant solutions.
Even better is their financing plans. Those who qualify for the Renew Sure-Snap system have access to their exclusive payment plans.
Patients with less-than-perfect credit (scores as low as 550) have been approved to pay for dental implants.
OP Implant Dental is a certified Renew Smile provider. They are the exclusive provider of Renew Smiles implant treatment to residents in the Overland Park and Kansas City areas.
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.
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 patient’s 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.
Which ever 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.
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 different. 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, what ever 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 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.
Dental Schools and Clinics
Using a dental school to experiment and learn on you is a low-cost option. They can replace your missing teeth different types of implants. Using a dental school can be a risky proposition. While dental professionals oversee the surgery, students are placing the implants into your head and jawbone.
Patients should know that additional costs and even the inability to use an experienced implant dentist after having treatment at a school is possible. Implant failure is something to consider.
When a new dentist takes over a failed implant treatment, they are legally responsible for you, so it’s a big risk for them too.
It’s recommended to save your money through an HSA or FSA plan before getting a “free-implant” at a school.
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. FSAs contribution 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 so these plans offer a grace period or limited carryover options are 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.
Average Cost of Dental Implants
The cost of dental implants varies widely and can be anywhere from $2,500-$90,000. The reason for such a large range is because it depends on a lot of factors.
Main Factors Include:
- Gum Disease & Condition
- Overall Health
- Bone Loss
- Number of Implants Needed
- Condition of Sinuses
- Number of Tooth Extractions
- Type of Implant
- Type of Dental Prosthetic
Learning more about how much dental implants cost is important. To find out more about our costs check-out our related article on “How Much Are Dental Implants”
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 is here to help.
Come visit our team and meet Dr. Andrew Mancin. We are here to help.
Schedule a FREE implant consultation today.
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