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All too often, I meet patients who are worried about the costs of dental implants. They aren’t completely out of line: dental implants are expensive. But too few patients realize just how affordable implants can be – especially with the numerous financing options and payment plans available today.

The result? People think they can’t afford this important procedure, and forgo the treatment they need.

Don’t let this happen to you.

It’s important not to let finances stand between you and your health. If you’re worried about how you’ll pay for dental implants, keep reading.

You may realize that dental implants are more affordable than you think.

Paying for Dental Implants with Insurance

Contrary to popular belief, dental implants aren’t merely cosmetic. (Most insurance companies definitely don’t consider implants to be purely cosmetic, either).

Like any other dental procedure—fillings, crowns, bridges—dental implants are important part of your oral health and your overall health. Unlike more common dental procedures, however, implants are a permanent restoration that last a lifetime.

The health benefits and permanence of implants are important considerations for insurance companies. That means most dental plans offer at least partial coverage for implants, which can significantly reduce the overall costs for you.

If you have dental insurance, this is a great place to start when it comes to paying for implants.

And if the coverage seems minimal, not to worry. You can stage your procedure to be carried out over time, which also lowers your out of pocket costs.

A good dental implant specialist will help you understand how much your insurance plan covers, and show you your options for maximizing your coverage.

Financing Dental Implants

Believe it or not, most implant specialists want to make paying for your procedure easy and affordable.


Because your specialist cares about your health.

When you get implants, you’re paying for a service, not a product. (Placing an implant is a highly technical and sensitive process, and the quality is totally dependent on the doctor’s skill level). Your dentist doesn’t want cost to stand in the way of your health, especially if it means you’ll go elsewhere for a low-cost implant that could fail, or you’ll skip treatment altogether.

To help patients with and without insurance, most dentists will offer in-house financing for dental implants. All you have to do is ask.

You can also cover the cost of dental implants with 3rd party, no-interest financing companies like Lending Club and Care Credit. Most financing companies offer 1 year, zero-interest plans to help make the cost of your dental implants affordable.

Lending Club and Care Credit are excellent options for patients looking to cover the full cost, or just the remainder of the cost after insurance benefits.

It’s easy to check out your eligibility online. Once you’re approved, you can cover the cost of your implants and begin your procedure right away.

Other Ways to Pay for Dental Implants

Still not convinced that you can afford dental implants?

Believe us, you can. If none of the above ideas appeal to you, keep exploring your options.

Sometimes all it takes is a little creativity to help cover the cost of dental implants.

Health Savings Accounts and Flexible Spending Accounts are great ways offset the cost. You can also leverage some or all of your tax refund.


No matter how you choose to pay for the procedure, it’s important to remember not to put off treatment just because you’re worried about costs.

I never want finances to get in the way of a patient’s treatment. I’m proud to offer my Bay Area patients a straightforward pricing structure, and a variety of funding options for their dental implants.

My office will work with you to find a solution that’s comfortable for your lifestyle. Whether paying up front or monthly is better for you, we will accommodate your needs. You can count on us to:

  • Work with your dental plan to maximize your benefits, including spacing out your treatment over time to lower your out of pocket costs
  • Offer flexible in-house financing that fits your budget
  • Accept 3rd party, no-interest financing companies like Lending Club and Care Credit

Most patients who undergo the implant procedure tell us they wish they’d done it sooner, and it was well worth the cost – and more affordable than they expected.

So don’t hesitate. Invest in your health.

Contact my office today and schedule a consultation. You’ll find out everything you need to know about your dental implants, and just how easy it can be to pay for the procedure.

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