Dental implants are a popular and effective long-term solution for people who suffer from missing teeth, failing teeth, or chronic dental problems. However, they are also the most expensive procedure, making them impossible to pay for out of pocket or without insurance for most people. This article explores the best options for financing dental implants.
Dental insurance is one of the most common ways to finance dental implants. However, dental implants are generally considered a cosmetic procedure, and not all insurance companies may be willing to cover them. It’s important to contact your insurance provider first to understand what is covered under your plan.
Personal loans are another common way to finance dental implants. These loans can be obtained from banks, credit unions, or online lenders. The best loan for dental implants is the one that best suits you, with low interest rates and a low APR. Some of the best dental loans in 2024 are from LightStream, LendingClub, and Rocket Loans.
Dental loans are a specific type of personal loan that can be used to pay for dental expenses not covered by insurance. They can be a fast and flexible way to pay for dental implants. Some of the best dental loans in 2024 are from LendingTree and NerdWallet.
Payment plans can be a good option if you don’t have insurance or would rather make monthly payments. You may be charged interest or a fee for setting up a payment plan, but you may also be able to negotiate a lower cost with your provider.
Using a credit card is a quick dental implant financing option. It allows you to pay the dentist for their services and work on paying off the debt through your card lender over time.
Home Equity Loans
Home equity loans are another popular way to finance dental implants. With a home equity loan, you can borrow against the equity in your home. These loans typically have lower interest rates than personal loans and credit cards, and the interest may even be tax-deductible.
Flexible Spending Account (FSA)
If you have a Flexible Spending Account through your employer, this may be another great way to help pay for your dental implants.
Other Financing Options
Other financing options include CareCredit®, Proceed Finance, GreenSky®, Lending USA, and LendingClub. Some dental practices also work with multiple financing options to help patients pay for their dental implants.
In conclusion, there are several ways to finance dental implants. The best option depends on your financial situation, credit score, and personal preferences. It’s important to do your research and consider all your options before making a decision.