A dental implant procedure replaces tooth roots with screw-like metal posts. The lost or damaged teeth are subsequently replaced with artificial teeth that closely mimic their natural counterparts in look and function. Dental implants are created to aesthetically and tactilely imitate natural teeth. In addition, dental implants appear the most natural compared to other tooth replacement options.
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8 Ways To Afford Dental Implants
Because of the hefty expense of dental implants, have you been delaying dental implant surgery? Yes, the average cost might be scary but worth it, and here are the techniques to get it within your grasp.
1. Healthcare installment plan
Care Credit, Lending Point, and Lending Club are excellent options for patients who must finance the total cost of treatment or the remaining amount after insurance. Whether you’re receiving dental implants or just need a dental exam, these providers can assist you with out-of-pocket expenses.
2. Flexible Spending Account (FSA)
As an employee, you may deposit up to $3,050 of your pre-tax pay into a Flexible Spending Account (FSA). These FSA funds are tax-free monies used to pay for uninsured medical and dental expenditures.
When only one or two dental implants are required, FSA funds will cover a larger portion of the entire cost, resulting in a significant reduction in the total price. You can learn more about FSAs here.
3. Health Savings Account (HSA)
HSA permits you to set away a predetermined portion of your pretax income to pay for uninsured health care expenses. The contribution is deductible from taxes. Included in HSA is a High Deductible Health Plan (HDHP). HDHP can reimburse up to 35 percent of dental expenses. Find out more about HSAs.
4. Dental Schools
Several dental schools across the United States provide undergraduates with the opportunity to obtain clinical experience. These undergraduates are closely supervised by professional dentists and oral surgeons.
A few dentistry schools give free dental care, while others provide cheap dental implants. In certain circumstances, you only need to pay for goods and equipment.
5. Dental membership savings plan
With a dental payment plan (Capitation Plan), which is a payment option offered by dentists, you can pay a monthly fee toward any treatment you get. A dental payment plan entails monthly payments, which may be an effective way to spread out the costs.
6. Personal loans
A 401k or 403b retirement account is an excellent source of cash for financing dental implants. This is a good method for obtaining a payment plan for dental implants if you want to remain with your current employment. Otherwise, you must repay the whole amount within sixty days. Home equity loans allow you to borrow against your home’s equity, which is the difference between your home’s market value and your mortgage balance. The interest rates for home equity loans and credit lines are based on the current mortgage interest rate.
7. In-house Financing
Our office provides convenient in-house payment plans for teeth implants to accommodate all of our patients whether they have insurance or not.You may also utilize third-party, interest-free financing companies to pay for dental implants such as Care Credit and Lending Club. To assist lower the cost of dental implants, the majority of financing organizations offer one-year programs with no interest.
8. Insurance
Nowadays, dental insurance covers a modest fraction of the total cost of dental implant procedures. The reimbursement rate varies depending on the kind of implant surgery. If you have dental insurance, you may anticipate an annual payment of around $1,500 for each dental implant.
Also, you may be eligible for compensation for two years if your dental implant operation lasts that long.
How can I obtain insurance coverage for dental implants?
Dental insurance programs that compensate for incidents that need tooth replacement may cover dental implants. You may be able to convince your dental insurance provider to compensate you for dental implants at a rate comparable to that of a bridge or traditional dentures. We will collaborate with your benefits coordinator to optimize your insurance coverage. Our clinic can also assist you in obtaining insurance coverage for a portion or all of your dental implants. Call us for an appointment at our office to replace missing teeth with dental implants and get back your healthy smile today!
Are dental implants cost-effective?
Yes. Dental implants are the greatest restoration choice for your bite and dental health. Teeth and gum health have a significant influence on general health, medical expenditures, and quality of life. In addition, it is the closest possible substitute to natural teeth.
Can dental implants be deducted on my taxes?
Yes, dental implants can be tax deductible under IRS Topic 502: Medical and Dental Costs. “Medical care costs include payments for the diagnosis, cure, mitigation, treatment, or prevention of disease, as well as payments for therapies affecting any structure or function of the body,” states the Internal Revenue Service. This encompasses dental implants.
What is the most suitable dental insurance for dental implant surgery?
Ameritas, Spirit Dental, Delta Dental, and Guardian Direct are among the dental insurers that give exceptional coverage for dental implants. Ameritas and Spirit Dental dental insurance have no implant waiting periods.
Our top dentist Dr. Amit Shah and Best Smiles Dental has years of expertise with dental implant procedures and will help you through the whole process. Make an appointment immediately so we can assist you in saving money on dental implants and selecting the optimal option.