How to pay for dental implants without insurance

Dental implants make it possible to install permanent false teeth. If you’re facing the removal of your teeth for false teeth, you may find that combining the cost of tooth removal and dental implants will save you money over time.

It is true that removable false teeth are currently less costly than implants and permanent arch installation. That being said, your permanent arches will need replacing less often. Many people also find that permanent arches are much more comfortable than removable false teeth.

If you don’t have an insurance policy that will cover the removal of your teeth, the surgical implantation and the arch creation, there are many ways to pay for your dental implants and permanent false teeth. In fact, your dental office may allow you to set up a payment plan to cover the costs. You can also choose to use a medical credit card or line of credit.

Dental Office Payment Plans and Financing Options

The cost of dental implants in Los Angeles can be startling when you review the total cost on one estimate. That being said, dental implants in Sherman Oaks can actually be quite affordable over time.

Does dental insurance cover dental implants? Your insurance plan may well cover a portion of the cost of your tooth removal, implant placement and/or arch creation and placement. Because insurance plans vary, you’ll want to confirm ahead before you look for affordable dental implants in Los Angeles. You need to know whether your doctor takes your insurance; you’ll also need to know what your insurance will cover before you start the process.

The cost of dental implants with insurance may still be more than you can afford. If you’re not ready to release a lump sum of money for your dental implants, you can look for dental implants financing options. Your dentist may offer an in-house payment plan; you can simply pay an agreed upon payment each month until the bill is paid off.

You might also choose to apply for a medical credit card, such as CareCredit, to make sure you can cover the cost of your implants and arches. Unexpected medical expenses can creep up on us at any time. Using a medical credit card to stay on top of surprise medical debts can take the pressure off of your financing.

Personal Loans and Medical Credit Cards

Depending on the medical issues you’re facing, you may find that you have many small medical bills. On their own, the debt is not overwhelming, but it may be easier to pay down if you consolidate the debt.

Personal consolidation loans may help you to lower the total payment for your dental work, implants and arch construction. Consider the following factors before you agree to a consolidation loan:

• Term, or time you’re given to pay off the debt
• Interest rate
• Monthly payment

If you get a consolidation loan that gives you three years to pay off the debt, you may find that you can save a great deal of interest by paying it off early. You may also get a discounted interest rate for the first year of the loan. These introductory period loan discounts can be especially helpful.

In such cases, it’s best to do whatever you can to pay off the debt before the introductory period is over. Make a note on your calendar to revisit the debt one month before the introductory period is over; you may want to move the remaining debt to a different loan save interest.

You may also want to use a medical credit card to cover the debt. Any credit card can be used to cover a medical expense, but using a card with the right features can help you pay off the debt with little interest and low fees.

Look for cards with features like

• 0% APR interest
• A welcome bonus
• A deferred interest plan for medical debt

Don’t forget to talk to your bank lending officers. If you have savings to cover the cost of your dental implants but don’t want to empty your savings account, you may be able to get a low interest loan on your savings account and simply use your savings as collateral.

There may be a loan origination fee and a low rate of interest. However, if you are not are not a reliable saver, treating your dental implant cost as a loan may be a wiser financial choice.

Using Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs)

Medical savings accounts can be used in combination with a high deductible health insurance account. By putting money in your HSA or FSA, you can lower your taxable income and protect yourself against the shock of an expensive medical treatment.

If you have an HSA or FSA, make sure you contact your provider to confirm that you can use these funds for dental implants in your situation. There are medical savings accounts that only allow you to use these funds when you have a dental illness.

If you’re getting your dental implants only for cosmetic reasons, paying for them with a medical savings account may not be allowed. Carefully study the documents available and call your provider to make sure that any tooth removal, implant placement creation and arch creation will be covered.

Dental Discount Plans

A dental discount plan is a supplemental savings account to cover the cost of dental care that your dental insurance doesn’t cover. It’s like an HSA or FSA, but for dental coverage only.

If you’re planning ahead for dental implants under the guidance of a a dentist, make sure you fully understand the reasons you need implants. Again, not all dental discount plans will allow you to use these funds for cosmetic purposes only. Review the different dental plans available and make sure that your condition will be covered by your dental discount plan.

Exploring Dental Schools and Clinics

The cost of dental implants in Los Angeles may be lowered by working with a dental school or training clinic. Take the time to understand all the steps of dental implants; you may need to get teeth removed before your implants are placed.

A dental school or training clinic may be the best way to get your teeth removed and return your gums to health before getting dental implants in Sherman Oaks installed.

If you can’t find a single dentist to provide you with affordable dental implants in Los Angeles, ask if they can recommend a teaching facility to help you get your gums health and ready for implant placement.

Negotiating and Bundling Services

If you can cover some of the cost of dental implants with insurance, you may be able to lower the total fees by bundling multiple services together. You may also be able to negotiate a lower overall fee by paying some of the debt up-front.

How does dental insurance cover dental implants? Your insurer may prefer to pay the total portion of their bill at the end of the treatment. Dentists have bills to pay, too! If your dentist doesn’t want to wait to be paid, you may be able to lower the amount you have to pay by offering to pay your portion at the start of the treatment process.

For those who have reviewed the dental implants financing options and found that they can get a competitive interest rate from their dentist, you may be able to route all the payments through the same office where you get your dental care.

Talk with the accounts receivable staff at the office about the best way to efficiently pay your monthly bill. It may be easiest for you to drop off a check each month. If you have a credit card that offers miles, dollars or points, you may want to pay your balance each month with that card. Keep it simple for them and you can keep costs low!

Conclusion: Finding the Best Way to Afford Dental Implants

The experts at Southland Dental Care can help you plan out your dental implant treatment process. They can also help you finance the project with no money down.

There is no reason to live with tooth pain, an inefficient bite, or ineffective traditional false teeth. Permanent dental implants can offer you both a comfortable bite and a beautiful smile. A financing plan to help you enjoy al healthier mouth is available, and you don’t have to put any money down!