Full arch dental implants can transform your smile and quality of life, but the investment often raises questions about affordability. The good news is that several financing options exist to help make this life-changing treatment accessible, allowing you to spread costs over manageable monthly payments rather than paying the full amount upfront.
Understanding your full arch dental implants financing choices helps you make informed decisions about your oral health without letting cost concerns delay necessary treatment. Today’s options offer flexibility that wasn’t available even a few years ago.
Full arch dental implants represent a significant financial commitment because they replace an entire arch of teeth with a permanent, stable solution. The cost typically includes the surgical procedure, the implants themselves, any necessary bone grafting, and the custom prosthetic teeth. These comprehensive solutions provide long-term value compared to traditional dentures, which require frequent adjustments and replacements over time.
The total investment varies depending on factors like bone density, the number of implants required, and whether additional procedures are necessary. While the initial cost may seem substantial, full arch implants often prove more economical over decades of use.
Third-party financing companies provide healthcare-specific payment plans that can make full arch implants more accessible. These programs typically offer promotional periods with reduced or zero interest rates, allowing you to pay off the treatment cost before interest accrues. Monthly payment amounts vary based on the total cost, your credit score, and the repayment term you select.
Cherry is one popular financing option that many dental practices partner with, offering flexible payment plans for dental implant procedures. These programs often feature online calculators where you can input your anticipated treatment cost and see potential monthly payment amounts. The application process is typically quick, with approval decisions often provided within minutes.
Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) offer tax-advantaged ways to pay for dental procedures, including full arch implants. These accounts allow you to set aside pre-tax dollars specifically for medical and dental expenses, effectively reducing the overall cost of your treatment:
Both options can be combined with financing programs to further reduce your out-of-pocket burden.
Creating a comprehensive financial plan for your full arch implant procedure involves evaluating all available options and choosing the combination that best fits your budget. Start by requesting a detailed treatment estimate from your periodontist that breaks down each component of the procedure. Consider factors beyond the monthly payment amount, including interest rates, loan terms, and any penalties for early repayment.
Some patients benefit from combining multiple financing sources, such as using insurance benefits for covered portions, applying FSA funds to reduce the balance, and financing the remainder through a third-party program. Discussing your financial concerns openly with your periodontal team helps them guide you toward the most appropriate solutions.
At Middlesex Periodontics & Dental Implants, PC, Dr. Daniel Reich brings 28 years of experience in periodontics and dental implantology to help patients throughout East Brunswick achieve beautiful, functional smiles. As a board-certified periodontist and Diplomate of the American Board of Periodontology, Dr. Reich combines advanced techniques with personalized care to deliver exceptional results. Our practice participates with Delta Dental Premier and Cigna PPO, and we’re happy to file insurance claims on your behalf to help maximize your coverage.
We understand that financial considerations are important when planning implant-supported overdentures or full arch implant treatment, and our team is ready to discuss the options that work best for your situation. Call us today at 732-257-7300 to schedule your consultation and learn more about making your implant treatment affordable.
