Because of dental implants, tooth loss is no longer a permanent problem. Despite this, it is very difficult to find affordable dental implants. Fortunately, there are ways to finance this cosmetic procedure even if your health insurance does not cover it. Find out the various ways you can finance a dental implant or even a complete dental restoration.
Before seeking outside financing, inquire with your local dental clinic or even your preferred dentist if they offer financing for dental implants. Many cosmetic dentists have payment plans designed for people who need the procedure, but may not have the finances for it.
In case your dentist does not offer in-house financing, you can ask for a list of preferred lenders. As dental implants are not ordinary reasons to take out a loan, it might be difficult to find a list on your own. This is your best option in case you cannot find affordable dental implants.
Do not commit to a lender right away. Interview everyone on your list for interest rates, duration of payment, and such. These factors should weigh heavily on your decision. Low rates are just as bad as high interest rates if you pay them over a lengthy period.
Choose a lender whose terms work best for you. Select the installment amount you can pay per month with interest, and the shortest duration of payment available. The key to choosing a lender is to find one with the most compatible payment plan, not someone with the lowest monthly rate.
If you cannot find a lender, you can choose to pay for the procedure with your credit card and simply pay it off much like you would the other things you charge. This is a recommended option as you are already accustomed to the terms and conditions of your credit card.
Dental implants may be costly and they are normally priced per tooth. If you ask for sleep dentistry instead of the normal anesthesia, expect your dental bill to be extremely high. A complete restoration might even set you in debt for quite a while. Luckily, the qualities of dental implants are worth every penny you spend.
Don’t wait until you’ve saved enough money. If you need an implant, secure dental financing and restore your oral health soon.