5 Ways to Finance Your Dental Implants

Published: April 17, 2015

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Dental implants are a permanent way to replace cracked or missing teeth. Unfortunately, the implants can cost quite a bit of money. If you can't afford to pay the expenses out of pocket, there are ways to finance the implants instead.

In-House Financing

Some dental offices have in-house financing available for certain procedures, including implants. The terms and conditions may vary considerably from doctor to doctor, but most include income and credit stipulations.

Credit Cards

If you have available credit on one or more credit card, this is a definite option. You could also open a new card account to specifically pay for your implants. Choose one with a low interest rate to save money. If there is a lower introductory rate, be sure to pay the entire balance within that time frame to stretch your savings.

CareCredit

Services such as CareCredit offer special medical financing that allows you to pay in monthly installments. There are various programs available depending on how much you need to borrow, with terms ranging from six to 60 months including interest.

Personal Loan

A personal loan can be taken out by individuals who need money for a variety of reasons, including medical expenses. Depending on your credit history, you may get an unsecured loan, or you may be asked to put something up as collateral.

Discount Plans

In some cases, you may qualify for some but not all of the money needed to pay for the implants. If this is the case, consider joining a service such as Dental Plans, which offers you discounts on procedures. There are monthly or yearly fees involved, but these are generally small compared to how much you will save. Combine these discounts with the financing available to you, and you may be able to cover the full amount.

Whether you need a dental implant for purely aesthetic or medical reasons, the cost is still high. Financing is available, and luckily there are several options to choose from, one of which may be right for you and your situation.

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sources
  • time.com "Things to Know About Dental Implants" http://time.com/money/2792141/5-things-to-know-about-dental-implants/
  • dentalplans.com "Dental plans 101" http://www.dentalplans.com/press-room/dentalplans101
  • ada.org "Breaking Down Barriers for Oral Health for All Americans" http://www.ada.org/~/media/ADA/Public%20Programs/Files/barriers-paper_role-of-finance.ashx
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