How to pay for dental implants

Dental implants can improve your quality of life if you have an oral health problem that is causing you discomfort or pain. They are durable, easy to handle and practical, and they provide a natural look. While dental implants may be the answer to your dental needs, they can also be a significant investment. Although you can find alternatives to implants, there are ways to pay for your treatment when dental insurance doesn’t cover the procedure.

How to pay for dental implants

Dental implants are a long-lasting way to replace failing or lost teeth. Most dentists will recommend a root canal or dental implants when a tooth causes significant pain or begins to decay. However, dental implants are different from a root canal in several ways.

During a root canal treatment, the dentist removes the infection and replaces the extracted pulp with a replacement material. A dental implant involves the removal of the tooth and the installation of a metal post in your jawbone. After the surgery and healing is complete, the dental implant works almost the same as your natural teeth.

However, the main difference between a root canal and a dental implant is that the root canal will likely be covered by dental insurance, unlike dental implants. The dental implant prices is important, and without the help of insurance, it can be difficult to find funds for it. Nevertheless, you can choose from several options to help pay for dental implants, including the following options.

Health care installment plan

A healthcare plan is a payment plan that you can set up through your dentist’s office or directly through a third-party provider. A payment plan allows you to get the dental implant procedure without delay, but offers an extended payment option. Payment plans allow you to pay for the procedure in small payments over a long period, which can be a good option if you have a decent credit score.

Home equity line of credit

While you might think about paying for your child’s college tuition or renovating the kitchen when you consider getting a home equity line of credit, you can also get one to pay for your dental implants. This option offers low interest rates and the possibility of tax deductions if you are a homeowner. You also won’t be penalized if you choose to prepay the loan, and you don’t have to move to get one.

Borrow from the pension plan

Whether you have a 401(k), 403(b), 457(b) or another type of retirement plan in place, you can borrow to pay for your dental implants. This option offers low monthly payments and the possibility of extending the payment term. The interest rate is also low, and any funds you borrow and repay will be deposited directly into your own retirement fund. This option might work for those who may not have the best credit rating.

Flexible Spending Account

A Flexible Spending Account (FSA) is an account you can open for work that allows you to deposit a portion of your pre-tax pay. The funds in this account can then be used to pay certain medical expenses. The good thing about this option is that you pay for the procedure tax-free and interest-free. One important thing to remember – your employer must set up your FSA account for you, so speak with your HR department to see if your workplace offers this type of account.

Dental insurance

Dental insurance is an option on this list as dental implants may be covered. Insurance companies assess the dental care needs of their customers and adjust their plans based on their needs. If you have dental insurance, check with your insurer to see if dental implants can be covered. The worst thing they can say is “no, sorry”.

Credit card

A credit card can be used to pay for part or all of your dental implant procedure. Credit cards offer low interest rates, along with other benefits that come with the card. Some cards will also allow you to finance the procedure over a year or more. Be sure to check the interest rate on your credit card and make your monthly payments on time to avoid damaging your credit score.

Personal loan

Although it may be more difficult to use this option compared to most of the other choices on this list, a personal loan can be used to pay for dental implants. In order to get a loan, you will need a decent credit score as well as a clean credit report that does not indicate that you are at risk of defaulting on your loan. You can contact your financial institution or credit union to see if it is possible to obtain the loan.

Can you add the cost of root canals to your implants?

Most of the time, a root canal and dental implants are mutually exclusive procedures. The dentist will recommend one or the other, but in case you are doing both on different teeth, you can add the cost of root canals to your implants. However, the root canal will likely be covered by your insurance while the implants will not, so it may be a good idea to separate the costs.

Common alternatives to dental implants

Although dental implants are a good choice for people who have deteriorated or missing teeth that need to be replaced, there are alternatives. The following alternatives can help you solve your dental problem just like a dental implant would without making a huge dent in your pockets.

  • Dentures: Dentures come in two options: partial or full. Partial dentures use a bond and pastes to stay in place, while full dentures replace all of your teeth entirely. Dentures allow you to perform everyday tasks such as eating and talking easily, just like dental implants do. However, dentures are removable, unlike dental implants. They also don’t offer as natural a look as implants, but they are still less expensive and do what you need.
  • Dental crowns: Dental crowns are a cheaper alternative to dental implants and dentures. They are usually used when a cavity threatens the health of your tooth. A dental crown can be made from several different materials, some more expensive than others. Crowns are used to reshape, protect and strengthen your teeth and are bonded directly to your tooth.
  • Dental bridges: Dental bridges are a type of permanent prosthesis that can replace missing teeth or a single tooth. It’s basically a series of crowns that connect to your existing teeth while covering your missing teeth. Several different types of bridges are available that vary in price, but insurance will usually cover part of the cost of the bridge.
  • Non-surgical dental implants: Non-surgical dental implants do not involve making incisions in the gums, which means there is a shorter recovery period. Because it’s a shorter procedure, it’s a cheaper option than traditional dental implants.

Compare dental insurance

If you cannot afford the cost of dental implants and decide to seek an insurance-covered alternative, you should start by finding the best policy for your individual needs. Benzinga offers reviews and information on the following dental insurance providers. Use the links below to start your search for coverage.

Frequently Asked Questions


What is the average cost of dental implants?


The average cost of dental implants is usually between $3,000 and $5,000 per tooth. Since dental insurance generally does not cover the cost of dental implants, you will likely have to pay for your implants out of pocket. A payment plan, credit card, or flexible spending account may help cover dental implant costs if you can’t afford to pay out of pocket.


What are the disadvantages of dental implants?


You might encounter a number of disadvantages in getting dental implants. The biggest downside is that dental implants are expensive – you can expect to pay at least $3,000 per implant you receive. Since dental insurance almost never covers the cost of implants, you’ll also have to pay for them out of pocket or find another way to make payments more manageable (like taking out a loan or putting the cost on your credit card) . Dental implants can also lead to complications, ranging from infections to bone distortion around the implant.