If we all had to pay for cars upfront, there’d be a lot fewer cars on the road. The same is true of dental implants. If everyone who needed them had to pay upfront, dental implants wouldn’t be changing the lives of everyday people – as is the case. Take a look at what factors into the cost of dental implants, along with what you can do to fit them into your budget.
Though all dentist’s offices won’t offer in-house financing, the ones that do will offer you a manageable route for paying for your dental implants. With in-house financing solutions, you’ll likely find short- to mid-term loans at low or no interest rates. However, you’re more likely to find larger installment requirements at dentist’s offices offering in-house financing. Because your dentist office won’t have any interest in playing the role of a financial institution, the result is larger installments and low or no interest so that the patient can pay off the bill quickly and more affordably.
If you have fair credit or above, you may want to consider third-party financing options. Many of these third-party dental loan products will require that you start making payments before your procedure begins, but they’ll offer installments that most patients will be able to afford.
Flexible Spending Accounts
If you want to save up to pay for your dental implants, even if to supplement another form of payment, a flexible spending account can make it much easier for you to put away money. Your contributions to your flexible savings account will be free of employment and income tax deductions.
Specialized dental insurance plans can also help subsidize your dental implant procedure. Keep in mind that some of these may have waiting periods. So you may have to put off your procedure until your waiting period is over.
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