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Dental implant financial assistance and grants are not easy to find or obtain. However, with an open mind and a few creative approaches, you may find some monetary help paying for the procedure.
Several private companies may be able to help by offering loans or funding the work in exchange for upfront insurance premiums.
Another source promotes help with payments as part of a clever marketing scheme.
Federal and state government grants for dental implants do not exist by name. This is where an open mind and creative thinking apply. You can obtain grants in practice by taking advantage of the tax code or if you are a low-income adult.
Private Financial Assistance for Dental Implants
Private financial assistance for dental implants is relatively scarce. While your appearance and smile are very important for your self-confidence, missing teeth is not a life-threatening event. In addition, your periodontist may recommend dentures as a lower cost alternative.
Therefore, do not expect to find as much help paying for the costs as you would with other conditions and treatments. However, several private options do exist that may make a complete smile more reasonable.
Financing and Loans
Request a personal dental loan to finance implants or dentures. This is the primary form of private financial help. Complete the simple three-page online application form. If approved, the lender may transfer funds to your bank account within 24 hours. You will need to repay the lender with interest, so plan accordingly.
Most insurance plans contain long waiting periods before coverage for dental implants begins. By borrowing money instead, your periodontist can start your procedure immediately.
Supplemental dental insurance covers implants and provides an ideal form of financial assistance for patients able to wait. Many traditional plans classify this expensive surgical procedure as cosmetic or elective. They will not pay claims to replace a tooth in this manner. However, this non-traditional plan pays claims after you meet a 24-month waiting period.
The plan cost relative to the expected benefit for implants and other maxillofacial surgeries makes the policy very economical. You already know you need the work to operate on your gums to replace your teeth. Compare the cumulative monthly premium cost to the anticipated benefits paid by the plan. What you find may bring a smile to your face – without the missing tooth.
Cosmetic Dentistry Grants
The cosmetic dentistry grant (CDG) program may offer help paying for dental implants and dentures. The Oral Aesthetic Advocacy Group is the private organization behind this marketing scheme funded by participating practices.
Here is our cosmetic dentistry grant program review. Decide for yourself whether the program is real. Most of the complaints that you read online come from people who did not read the details published on their website.
- Patients must fund all X-ray expenses associated with the “free initial assessment”
- Patients or insurance must pay for all treatments needed to restore their oral health first
- The cosmetic grants will offset a portion of the implant cost
- Grant recipients must fund the remaining expenses – nothing is free
- The directory of participating practices lists California and New York only
It appears that practices fund the CDG programs as a method to fill chairs via referral with patients needing basic oral care. People needing implants often have bad or missing teeth. Most dental insurance plans cover this work.
Do your homework on this organization here. Get competing estimates for comparison purposes.
Free Implant Programs
Do your homework before enrolling in an advertised free dental implant program. It is easy for underserved populations such as the homeless, disabled, and military veterans to over-estimate what a no-cost makeover actually means.
Dental schools, continuing education programs, and charity-minded prosthodontists often offer pro-bono oral care services. They can perform the work free (surgery, bone graft, ridge shaping, and implant body and abutment installation). However, many patients must still pay out-of-pocket for related services that the program leaders are unable to donate themselves.
- Computer Tomography Scan (CT) measures bone depth, width, and density and helps the dentist determine the best course of treatment. A CT scan may cost up to $1,200 without insurance.
- Patients wear temporary crowns during the (4 to 9) month healing process. A third-party lab may need to manufacture these lower-cost devices.
- Permanent tooth replacement options such as abutments, crowns, and dentures also require an outside dental lab during the restoration phase. The higher charges can range widely depending on the number of teeth replaced, and whether you choose removable or fixed dentures.
The American Dental School Association compiles a list of educational institutes that may offer pro bono care as part of community outreach.
Federal Government Grants for Dental Implants
The federal government award grants to universities, state agencies, and non-profit organizations to fund ideas and projects to foster a public service or stimulate the economy.
In other words, the federal government does not provide grants for dental implants or dentures to individuals. However, several support programs do so indirectly using another name. You just have to be creative and open-minded to find them.
Use the tax code to fund indirect free government grants for low-cost dental implants and dentures. Patients with modest earnings garner the largest savings. The vehicle you use also has a significant effect.
Dental implants may be tax deductible. Bigger deductions translate into lower net costs. This provides savings opportunities on both your federal and state returns or via a Flexible Spending Account (FSA).
- You may be able to deduct your dental implant expenses on Schedule A. Most patients will begin lowering net costs once qualified expenses exceed 10% of Adjusted Gross Income (AGI). The amount you save depends on your marginal rate.
- Your FSA may provide first dollar savings. If your employer offers this benefits program, you do not have to worry about meeting the expense threshold. You begin lowering costs right away on any qualified expense. Hand your FSA debit card to the dentist for payment.
- An FSA works as an implant loan subsidized by the federal and state government. Replace your teeth at the beginning of the plan year. Your employer must reimburse qualifying expenses immediately. You have up to 52 weeks to repay your employer using pre-tax contributions – which reduce costs based on your marginal rate.
The government provides indirect dental implant grant programs for low-income adults under another name. The federal government funds and state governments administer Medicaid – a healthcare program for low-income adults, pregnant women, and indigent families.
Medicaid pays for dental work for low-income adults in all 50 states. Each state makes its own rules on the types of oral care services covered under the plan and the income-based eligibility criteria.
Medicaid does not pay for dental implants in any state! However, the procedure occurs in many phases. Many of the steps performed by an oral surgeon or prosthodontist may qualify for payment. Contact the issuing company for plan benefits for these treatment phases.
Compare the costs after insurance for each of these steps.
- CAT scans
- Tooth extractions
- Bone grafting
- Body placement jaw surgery
- Abutment gum surgery
- Artificial teeth
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