Many patients lament that they need single-tooth dental implants but cannot afford them because pricing starts at $3,500 – well above the annual benefit maximum for those with insurance.
Others express concern that they need full-mouth dental implants but can’t afford them because the prices range up to $50,000 and higher – more than many people earn in a year.
How do you pay for dental implants when the costs are out of your reach? One tiny bite at a time.
You probably will not find a single solution that helps you pay for all dental implants expenses. Still, you could find many possible avenues that reduce expenditures you never considered, including medical insurance, tax deductions, payment plans, financial assistance, and more.
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People should begin shopping for dental insurance before their oral health declines. After all, the purpose of any coverage is to protect your finances against unforeseen future expenses.
Therefore, expect to find a missing tooth clause in any plan covering dental implants, including those without waiting periods or annual maximums.
However, buying coverage can help you qualify for grants.
Bite-sized morsels are more comfortable to swallow than trying to down an elephant all at once. Likewise, monthly payment plans fit a patient’s budget more readily.
However, do fool yourself into thinking that in-house financing for dental implants is the way to go. Your local provider will most likely refer you to a third-party finance company that might not offer the best terms.
Paying for dental implants out-of-pocket can be so expensive that many people cannot afford to replace their teeth this way. A full-mouth restoration can cost $80,000 or more!
Your health insurance may cover a more significant share (with no annual maximum to limit benefits) if you can show medical necessity: tie your tooth loss to an accident or illness.
How can you afford your dental implants or dentures if you cannot estimate your out-of-pocket costs? Know what you are likely to spend before you undergo the procedure.
People with insurance find it difficult to estimate expenses because the coverage is not assured, and annual maximums have more impact with full-mouth restorations than single tooth replacements.
Why fly on an airplane to a foreign country just to get low-cost dental implants when you can find an affordable option in your neighborhood without sacrificing quality!
Hidden features built into insurance programs and the IRS tax code allow you to reduce your spending, provided you learn the secrets and put them into practice in advance.
Patients need every little bit of help when paying for pricey dental implants out-of-pocket – even when they have insurance. Fortunately, these expenses are tax-deductible per IRS rules.
Make the most of your IRS discounts by choosing the money-saving vehicle that matches the number of teeth you are replacing: Schedule A, Flexible Spending, or Health Savings Account.
Senior citizens on Medicare often cannot continue work-based dental plans that might cover a significant portion of implant costs. Plus, the alternatives are not great since many already have missing teeth and other pre-existing conditions.
The patients who can afford to wait gain the most value from purchasing an individual plan. Meanwhile, oral surgery is sometimes medically necessary.
What is the best way to afford dental implant surgery or dentures? Have somebody else give you the money via financial assistance or by government grants.
Unfortunately, charitable organizations rarely provide help for cosmetic procedures. However, the government provides grants hidden in the tax code.