There are several ways to replace missing teeth, such as bridges and partial or full dentures. Dental implants are a permanent replacement method that costs more than other options. Some people still opt for them because they have certain advantages. Many turn to various financial assistance sources to help with the bill.
Definition
Dental implants are a surgical tooth replacement method, according to the American Dental Association, or ADA. Implants are placed below the gum line, where they fuse to the bone. False teeth are fastened to a protruding part of the implant. The replacement teeth are stable, and the ADA explains that they feel more natural than bridges or dentures.
Considerations
Some dental insurance policies cover at least part of an implant procedure, but most will pay nothing. They limit themselves to cheaper options, like bridges and dentures, and make you pay for implants yourself. You may end up paying a lot even if you have some coverage because implants cost around $1,250 to $3,000 each, according to the Cost Helper website. This amount can skyrocket to between $15,000 and $30,000 for complex restorations that need extensive gum and bone work, Cost Helper warns.
Financing
Many people finance their own dental implants with a credit card or personal loan. You may be able to obtain a new credit card with a good introductory offer, like zero percent interest for a certain period, if you have a high credit score. If you do not wish to get a new card and don't have enough available credit on your existing accounts to cover your implants, your dentist may be able to recommend a finance company. Many companies specialize in paying for dental treatments that are not covered by insurance. The Dental Resources information site explains that these businesses usually cover cosmetic procedures and work that insurance companies do not cover. You will need a co-signer if you have a bad credit history.
Options
You may not need to finance as much if you are willing to have your dental implants done at a dental school. Many universities run clinics that offer heavy discounts so their students can practice on real patients. Instructors monitor the work to assure quality. Cost Helper explains that your work might also be done by an instructor as a teaching exercise. The implant process is long and students are continually graduating, so you may not work with the same person throughout the entire procedure.
Alternatives
You may have to choose another option if you cannot get financial assistance for your dental implants. A bridge replaces one or more teeth with an appliance that is anchored to the surrounding teeth. A partial denture is used when a bridge cannot be put into place, while a full denture replaces an entire mouthful of missing teeth. Most insurance plans cover at least part of these procedures. Even if you don't have insurance, you'll have an easier time financing them on a credit card or through a specialty loan company because the cost will be significantly lower than implants. For example, Cost Helper states that the cost of a bridge replacing one tooth starts at about $850.
