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Everything You Need to Know about Dental Implant Financing

dental implant financing

Not feeling comfortable with your smile is an awful feeling, but thankfully cosmetic dentistry has the power to change that. Getting dental implants can improve your self-esteem, as well as other parts of your life.

However, some people get discouraged when they discover the cost of the procedure, but that shouldn’t hold anyone back. Luckily, there are ways around the financial burden of cosmetic dentistry, and anyone can partake in the joys of getting new teeth.

Below are some dental implant financing options that are sure to put a smile on your face!

Dental Implant Financing

The good thing about financing dental implants is that there are so many options. If the price for getting a new smile is a little too pricey for you, don’t worry. Take a look at the dental implant payment plans below:

Reach Out to Your Insurance Company

Before you make any decisions on dental implant financing, contact your insurance provider first. Dental implants are generally considered a cosmetic procedure, but that doesn’t mean the company won’t be willing to help pay for them. Especially, if the implants are needed after you’ve had teeth removed because of a medical condition.

Also, if your insurance won’t agree to provide you with financing for dental implants, ask them if they can potentially give you an allowance towards the cost of a bridge or dentures would cost. Those services are sometimes partially covered by the insurance company.

However, if that option doesn’t work either, consider getting an alternative dental insurance company that will pay towards the cost of the implants.

Use Your Dentist’s Financing Options

Most of the time you won’t have to think too hard about how to pay for dental implants because your dentist’s office provides financing options. Usually, the office itself has an internal payment plan or they partner with companies who provide dental implant loans.

Companies like Care Credit and Lending Club offer financing options based on your credit and other factors. If you don’t qualify for the entire amount of your dental implants, try applying for a portion of it. That way, you may have a higher chance of getting approved if you don’t ask to borrow as much money.

Plus, if you already have a portion of the funds and only need a small portion, this is a good choice.

Use a Credit Card

If you need a quick dental implant financing option, using a credit card is also another great idea. It allows you to go ahead and pay the dentist for their services, and work on paying off the debt through your card lender over time. Plus, if your card had a low-interest rate or no interest for a certain amount of time, that’s even better!

Flexible Spending Account (FSA)

Many employers offer a flexible spending account as a benefit to employees who have insurance coverage with the company. You are the one who requests how much money goes into the FSA, and all of the costs that come out of it are to be related to your healthcare.

However, the only way to use those funds is to write a check or use a debit card that’s associated with the account. Then, as you use the money from your FSA, the money is deducted from your paycheck.

Personal Loan

Another way to get financing for dental implants is to get a personal loan through your bank or credit union. If you have a long relationship with your financial institution, it may be easier to get a loan through them.

Not to mention, the interest rate may be a lot cheaper, especially if you get the loan through a credit union.

Cash Loan

If you want another loan option outside of your bank, consider using an alternative loan provider. Sometimes finance companies will offer loans to those who need fast cash. Some of them provide payday loans, while others are title loan lenders. With title loans, you can use your car as collateral, and it’s fairly easy to get approved through them.

However, if you default on the loan, they can take your car. Cash loan providers are high-risk, and you shouldn’t use them unless you’re absolutely sure you can pay them back.

Retirement Fund

If you have a 401k or a 403b retirement account, it’s also a good idea to draw funds from it as a dental implant financing option. If you’re been working for a while, you probably have a nice amount of money in your account to supplement the loan.

Since the money is yours, there shouldn’t be too much of a hassle with getting the funds out. However, you should speak with the human resources department at your job to get a full understanding of how the process goes.

A New Smile Awaits You

Hopefully, these dental implant financing options helped you decide how you can pay for your dental makeover. When you need work done on your teeth, the last thing you should have to worry about is how it’s going to finance it. 

With that said, if you’re in St. Louis or the surrounding areas and need dental services, we’re here for you. Our staff of talented professionals provides an array of oral care from cosmetic dentistry to restorative dentistry.

If you have any questions, feel free to reach out to us, and our friendly staff will be happy to assist you.

We look forward to seeing you soon!

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