7 Ways to Afford Dental Implants
As you prepare for surgery, you experience mixed emotions. You are excited about the results and having the procedure behind you. You are a little anxious about anesthesia despite understanding how safe it is. You feel overwhelmed when thinking about the potential financial burden of the surgery.
When it comes to achieving your goals with dental implants, your focus should be on the smile you will have at the finish line, not on the payment.
While some payment options will have different requirements and prerequisites, there are several ways to affordably get the implants you deserve.
1. Medical Insurance
It’s important to call your medical insurance provider and see what your plan may cover. Some medical plans provide coverage for some dental related services. For example, many plans cover procedures that require extensive bone grafting, while other plans cover extractions. Once you know the scope of the surgical plan, reach out to your insurance representative before you schedule your procedure to find out what will be covered.
2. Dental Insurance
The most common way to pay for dental implants is through approved dental insurance. Cumberland Surgical Arts accepts various types of dental insurance. We work with insurance providers to understand which portion of your procedure may be covered.
3. Combined Insurance
Medical and dental insurance can be combined for even less out-of-pocket spending. Check with both providers and see what is possible for combined coverage before the big surgery day.
4. Prosper Healthcare Lending
Prosper Healthcare Lending is the premier financing company in the healthcare industry. With over $3 billion borrowed and over 250,000 people covered, Prosper Healthcare Lending is a name and a program you can trust. They provide immediate decisions for loans under $35,000 with longer terms for lower monthly payments and no collateral required. Furthermore, there are no prepayment penalties for the 100% confidential, fast, and easy loan inquiry process. To apply for financing with Prosper Healthcare Lending, visit their website.
CareCredit provides an option for individuals having a dental procedure. The healthcare credit card program has a low monthly cost with zero pre-payment penalties and upfront costs, which enables patients to more easily get dental implants if coverage is unavailable through dental or medical insurance. To get set up with CareCredit, simply fill out an application with your credit card history.
6. Healthcare Credit Cards
Various credit card issuers are offering a growing number of options for financing medical expenses. Look into your current credit card(s) or additional cards with healthcare credit programs for any specific offerings for medical expenses.
7. Health Savings Account (HSA) and Flexible Spending Account (FSA)
A health savings account (HSA) allows you to be ready for any healthcare-related procedure by helping you incrementally save money for future health costs. Similar to the HSA funding method, the flexible spending account (FSA) can also be used to pay for your dental implants. These are acquired through your current employer where most people choose an option to put a portion of their paycheck into an account for qualified medical expenses.
At Cumberland Surgical Arts, we provide high-quality, cost-effective care to our patients. Our commitment to your health and safety match our efforts to ensure that you are aware of all possible financing options available to you. Don’t let financing stand in the way of your dental implant surgery and success.
To get to know your dental implant financing options, get your free financial planning worksheet here.
Feb 11th, 2016 10:01 am
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