If you’re considering replacing a missing tooth with implants, you’re probably already aware of the multiple health benefits of implants. But you might not be aware of the various options available to help you reduce how much you have to pay.
From insurance coverage, to health spending accounts and flexible savings accounts, there are many ways to make paying for implants easier. You might not realize some of these financial benefits are available for you.
In addition to these lesser-known options, you may be able to spread out the cost of your implants though our interest-free payment plans. Together, these options make implant treatment more affordable for many.
Insurance Coverage for Implant Treatment
In the past, few dental insurance plans covered implants. In recent years, many insurers have realized that implants last longer and lead to better long-term health outcomes for their customers. This saves the insurance companies money in the long run, and many have started providing at least partial coverage for implants.
In some cases, your implant treatment may be covered by health insurance rather than dental insurance.
You can find out whether your insurance covers implant treatment by:
- Asking your workplace benefits manager or HR department.
- Calling your insurance plan’s customer service line.
- Or checking your benefits package section for dental implant coverage.
In some cases, insurers may pay for the portion of your treatment equal to the price of a dental bridge.
If you don’t have coverage yourself, you may be covered on your partner’s plan. Insurance plans offered by the same provider can be very different. So it’s worth checking the details, even if you and your partner have insurance through the same provider.
We are happy to check with your insurance provider on your behalf to see if you have coverage. In fact, we offer free dental implant consults, where we are happy to answer all your implant-related questions.
Health Spending and Savings Accounts
You may also be able to get help to pay for your implants through:
- A Health Spending Account. With a Health Spending Account, you can use credits for healthcare expense that may not be covered by your employee or provincial plan.
- Flexible Savings Account. If you pay into a flexible savings account at work, it’s likely you at least have partial coverage for implants.
Essentially, these accounts allow you to deduct your implant expenses from your taxes. This means you get a tax refund to cover part of your implants at the end of the tax year. Additionally, many employers will match a portion of your payment.
With these spending and savings accounts, you may be reimbursed after paying, or your benefits provider may be able to pay your bill directly.
Affordable Payment Plans
At Home of Dentistry, we offer affordable, flexible payment plans, some with no interest charges.
You can also get financing through third-party companies like DentalCard or Crelogix (terms ranging from three to 60 months).
Need More Help About How to Pay for Implant Treatment?
Implant treatment tends to be priced slightly higher than bridges or dentures but provides an increasingly popular alternative because of the many health advantages. Plus they’re sturdy, and look and feel just like real teeth. Implants are a permanent solution to missing teeth – with proper hygiene, they will last a lifetime.
If you’re concerned about the cost of implant treatment – it’ll be a few thousand dollars – there are several options that may fit your budget, including affordable monthly payment plans.
You can find out more about how you can pay for your implant treatment by scheduling a free consultation here at Home of Dentistry.