Patients can pursue several strategies to find low-cost dental implants near where they live, rather than flying to a foreign country for bargain-basement prices.
You have two ways of finding the most conveniently located and inexpensive places. Tap into free programs when available in your area, and identify local in-network providers who agree to charge cut-rate fees negotiated by an insurance company with thousands of members.
Then, learn about three IRS-sponsored discount programs that can dramatically reduce what you spend to replace missing teeth – no matter the location of the provider office.
Best of all, these alternatives work even when you do not have dental insurance.
Where is the Most Inexpensive Place to get Dental Implants?
Searching online for the most inexpensive place to get dental implants might force you to sacrifice quality. The provider advertising the best price might not give you the smile and chewing function you want.
Instead, explore other ways to find low-cost treatment while using a trusted dentist or oral surgeon in your area with the needed experience and expertise.
Free dental implant programs for low-income patients could make a new set of replacement teeth inexpensive – if you can find a program serving people in your area.
This form of permanent tooth replacement does not happen overnight. Instead, you might need multiple treatments spread out over time to allow healing between each step.
- CT Scan
- Tooth Extractions
- Bone Grafting
- Body Placement
- Abutment Insertion
- Installing Dentures
Free services via grants, non-profits, dental schools, clinical trials, makeover contests for just one of these treatment steps get you closer to low-cost dental implants.
Local offices that participate as in-network providers with your insurance are typically the most inexpensive places to get dental implants in your area. Nothing beats the bargaining power of a third-party company with thousands of members living in your region.
In-network providers cannot charge more than the allowed amount. Insurance companies negotiate a contracted wholesale fee schedule ranging from 40% to 50% less than retail charges.
Surf over to the issuing company’s website and find their provider directory. Enter your zip code and the type of specialist needed, and get a listing of offices near your home.
This approach can work even if you do not already have dental insurance.
Oral surgeons participating in-network with your medical insurance are the most inexpensive places to get dental implants in your area for medically necessary treatment: care arising from non-biting accidents, certain diseases, and treatments considered integral to other services included in the plan.
For instance, your medical plan might pay for scans, extractions, and bone grafting when connected to radiation treatment for mouth, jaw, or neck cancer.
The possible claims payments and expense limitations help you make giant leaps towards low-cost dental implants in your neighborhood.
No Waiting Dental
Dental insurance with no waiting periods can help you find inexpensive tooth implants in your local area, but probably not in the way you expect. The issuing companies are trying to make money, not lose it. So they protect themselves in two ways.
- Missing tooth clauses exclude coverage for pre-existing conditions
- Premiums in the early years exceed the benefits by design
The savings come from choosing an in-network provider. Patients who need additional teeth extracted could be one big step closer to low-cost dental implants via the discounts on unreimbursed expenses (deductible, copayments, amount above annual maximum, etc.).
How Can I Lower the Cost of Dental Implants?
Taking advantage of three IRS discount programs is the ideal way to lower the cost of dental implants as these strategies work with any provider. Pick an office near your home and get started.
Each IRS-sanctioned alternative has unique pros and cons, so pick the option best suited to your needs and situation. Planning yields the most significant discounts!
Condensing treatment and payments into a single calendar year is the first way to lower dental implant costs – especially for patients getting full-mouth replacement.
Dental implants are tax-deductible after meeting two expense thresholds, so consolidate treatment and payments into one calendar year.
- Itemized deductions exceed the standard deduction
- Medical and dental expenses top 7.5% of Adjusted Gross Income (AGI)
For instance, a hypothetical married couple with a $100,000 AGI who pays $50,000 for all-on-four full-mouth restoration in a single year could reduce their dental implant costs by $13,302.
- $42,500 deductible expenses
- $9,350 federal income tax savings @ 22%
- $3,952 California income tax savings @ 9.3%
Meanwhile, specific groups might have other considerations.
Dental implants for seniors paid by Medicare are not an avenue to low-cost treatment, but itemizing deductions work better. Seniors’ earning power shrinks during retirement, making the 7.5% AGI threshold less punitive. Plus, they can deduct Medicare premiums as a qualifying medical expense and doctor and hospital bills that balloon as we age.
Free dental implant services for disabled veterans are a better avenue towards low-cost care because the positive publicity generated by before and after photos of them smiling while wearing their service uniform makes them ideal candidates for pro bono services.
Disabled veterans benefit from itemizing deductions less because they often lack the resources to consolidate payments into a single year and fall into a lower tax bracket.
Fund Your FSA
Electing to contribute the maximum amount to your Flexible Spending Account (FSA) during open enrollment is another way to lower single tooth implant costs and reward yourself with a surprise benefit you probably never considered.
Cheap dental implant payment plans are the hidden benefit of using an FSA to pay for treatment. Contribute the maximum during the annual open enrollment, and schedule your first procedure at the start of the new plan year. Your employer must reimburse qualifying expenses immediately, giving you up to 52 weeks to repay the obligation interest-free.
But that is not all Ginsu knife fans! Using pre-tax FSA dollars to pay the oral surgeon also reduces single tooth implant costs in two different ways, making the discounts more remarkable.
- No spending threshold to meet before realizing savings
- Pre-tax payroll deductions also minimize FICA (7.65%) obligations
For instance, our hypothetical married couple with a $100,000 AGI who pays $5,700 for a single tooth implant could reduce their costs by $2,200, or 38.95% off the list price!
- $5,700 annual FSA maximum contribution for a married couple
- $1,254 federal income tax savings @ 22%
- $530 California income tax savings @ 9.3%
- $436 FICA savings @ 7.65%
Change Health Insurance
Changing your health insurance to a High Deductible Health Plan (HDHP) is ideal for lowering all dental implant costs (single-tooth, upper bridge, lower bridge, or full-mouth). A qualifying HDHP allows you to utilize a Health Saving Account (HSA) to pay your oral surgeon with pre-tax dollars without the drawbacks of the previous options.
- No spending thresholds to meet (itemizing)
- No annual spending limit (flexible spending)
Using your HSA for dental implants is a sure pathway to the lowest-cost treatment because you enjoy the most significant discounts applied against all eligible expenses – not just a portion.
For instance, our hypothetical married couple with a $100,000 AGI who pays for a $50,000 all-on-four full-mouth restoration using HSA funds could reduce their dental implant costs by $19,475.
- $50,000 eligible expenses
- $11,000 federal income tax savings @ 22%
- $4,650 California income tax savings @ 9.3%
- $3,825 FICA savings @ 7.65%