If you’re looking for a permanent replacement for missing teeth, dental implants are arguably the best solution, but you may be wondering about the dental implant cost? Ultimately, you need to keep in mind that the cost is an investment into your smile and your long term dental health. However, there may be a few steps you can take to reduce your costs. Check out these tips.
Do Some Comparison Shopping
Before you choose a dentist or an oral surgeon to do your dental implants, you may want to do some comparison shopping. When calling dentists for quotes on their dental implant cost, make sure that you are comparing apples and apples. Ask each clinic what they are including in the cost. Ideally, you want the final cost for everything including bone grafts, teeth extractions, putting in the dental implants, pain medication, and any other related costs.
Once you have a few figures on dental implant cost, don’t just choose the cheapest option. Remember, this is a very involved procedure, and you need an experienced, trustworthy dentist to handle it for you. Don’t choose a subpar clinic just to save a few hundred dollars.
Contact Your Insurance Company
Ideally, you should reach out to both your dental and your health insurer. Find out if they cover some or all of the dental implant cost. Dental implants are not cosmetic. They are a necessary thing for most people who get them. If your insurance company covers other prosthetics such as dentures, you may want to see if you can talk them into letting you apply that cost to your dental implants.
Pay With Your Health Savings Account or Flexible Spending Account
The health savings account (HSA) and flexible spending account (FSA) can both be useful options when you’re paying for dental implants or any other major medical expenses. Only people with high health care deductibles can use an HSA, but almost anyone can use an FSA.
The money you contribute to these accounts is pre-tax. That means that you don’t pay any income tax on the funds you put in these accounts. Depending on your tax bracket, you save anywhere from a few percentage points to 30% or more. Then, you can withdraw the funds to pay for your dental implant cost.
Ask for a Discount or Look Into Financing
Some dentists may be willing to give you a discount if you pay upfront. Alternatively, you may want to see if the dentist offers financing. With programs such as Care Credit, you can spread out the dental implant cost over time, and you may even qualify for interest-free payments if you pay off the balance in a certain amount of time.
Financing the payment doesn’t save you money on the implants, but getting implants can save you money in the long run. They help to prevent the deterioration of your jaw bone, and they also preserve your ability to speak and eat like usual. Beyond that, dental implants last a lot longer than dentures or removable bridges so you don’t have to come back as often, except for routine care.
At Shallowford Dental, we aim to provide the best possible dental care, and we are committed to helping our patients take care of their teeth. To learn more or to set up an appointment, contact us today.