Cost of dental implants with insurance

There are companies such as that finance dental work, allowing a patient to receive implants and make monthly payments along with the applicable fees and interest. The main requirement to qualify for the loan is a decent credit score. Since they are the longest-lasting restoration option and typically do not require continuing dental work in the future, financing the cost (despite fees and interest) can be a great way to afford implants.

Discount Dental Plans

Discount dental plans are a membership-based plans in which patients pay yearly or monthly fees in order to receive discounts on dental care, ranging from 10% to 60%. Patients participating in these plans are generally required to use only affiliated dentists within the plan’s network, but the discounts can potentially take hundreds, if not thousands of dollars off of the total cost of an implant procedure.

Know the Alternatives

Bridges and partial dentures are the main alternatives to dental implants for replacing missing or extracted teeth. This is especially the case if there are still viable abutment teeth to support a bridge crown. They do not usually last as long as implants, but dental bridges can last an average of 15 years if they are properly cared for. Bridges are bonded to the abutment teeth so they do not need to be removed for cleaning like partial and full-mouth dentures. The drawback of a dental bridge is that the bone in the jaw supporting it under the artificial teeth will atrophy over time, eventually causing failure of the crown and bridge.

Insurance Coverage

Most dental insurance carriers do not cover implants because it is considered a cosmetic procedure, but company policies continue to change. Some dental insurance providers are starting to offer to pay up to the cost of similar, but less expensive procedure such as bridge or partial dentures. Insurance coverage will usually include procedures that restore functions that are compromised by the pain caused by missing teeth. If dental implants are the only procedure that can bring your oral health back to normal, then your insurance will probably cover at least a portion of it.

Fundraising Campaign

If you’ve tried all of the options above and found that they aren’t available in your area, don’t make the procedure affordable enough or that you’re ineligible, then you should consider starting a campaign to raise the funds using a website such as or . These services are similar to Kickstarter – the most well-known crowdfunding service – but they will allow you to raise money for a personal health matter.