By Andrew Hickey on Aug 10, 2022 @ 12:42 PM
We all know that quality service can come at a premium. A procedure like dental implants is no exception. Then it turns into a question of cost vs. benefit, although it should not have to.
A dental implant involves implanting an artificial root. After that, a replacement tooth is put on top. The typical cost of an implant for one tooth can cost up to $4,500, while a full set of permanent dentures can run you up to $45,000. Yikes, that makes our teeth and our wallets hurt!
So, what if we said you can have your needed procedure without that financial shock? Using your insurance, along with some other pro tips, can really save you money in these times. Read on to find out more!
- Get an estimate from multiple dentists
You can look at all your options before making a choice. Getting a cost estimate from different dental offices is a direct way to find the best fit. You can ask your dental provider for a pre-determination of benefits. This is especially important if the service is expected to cost more than $200.
To make it easier, there is a magical website. You can get a quote from multiple dentists in your area. Simply put in your zip code, type of service and preferred price range. Just like that you have basically started a bidding war for your dental implants. They are a common insurance expense, with plans covering 40 to 80 percent of the cost of an implant. This depends on the plan you have. With the bidding website you can get a discount of 20 to 80 percent on top of that.
- Sign up for a dental savings plan
Having dental insurance is essential for bringing down costs. In addition, you have a lesser-known option called a discount dental plan. It is essentially a discount card for dental services, that you buy outside of insurance. It is not expensive to sign up and it can be used together with dental insurance for even more savings. You will just want to ask the dentist if they accept the discount plan and if they can coordinate it along with your insurance.
- Ask the dentist about your payment options
With your cost in place, along with dental insurance and a possible discount plan, you can then look at how you will be paying for the procedure.
One option is self-financing. This involves a loan or line of credit through a lending service or a bank. You will want to talk to them about the charges and interest associated with it.
Dental and medical offices have patient financial services, where you can work out a payment plan with them. If you use a credit card you may also be able to earn rewards like cashback or flyer miles.
What should I do next?
You will want to get a clear understanding of what your dental implant procedure involves. The doctor may also recommend add-on procedures like bone grafting or a soft tissue gum procedure. You will want to ask how necessary it is, and you can get a second opinion through a consultation with another dental office.
Some insurance plans can treat dental implants as a cosmetic treatment. So, you will want to make sure they cover implants. At Solstice, we give you more than dental insurance. Members can enjoy an average of 40% in-network savings on implants, and we offer dental discount plans. It is all part of bringing brighter moments (and smiles).