Dental Financing for Implants: How to Finance Tooth Implants

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Whether due to injury or gum disease, tooth decay or loss has become a common oral problem in the United States.

A tooth loss can make you feel uncomfortable with your smile, but cosmetic dentistry has the power to change it.

While there are a lot of dental work options available, a denture implant is often considered the best solution because it feels and functions like natural teeth.

Looking to get dental implants but worried about the cost? This comprehensive guide will demystify dental financing options for implants, providing valuable insights into affordable choices and important considerations. 

Whether you’re exploring insurance coverage, payment options, or other financing avenues, this article will help you make informed decisions about financing your dental implant treatment.

Understanding the Cost of Dental Implants

Though a dental implant is the most reliable solution for teeth replacement, some people get discouraged when they discover the high cost of this treatment. As this tooth-related procedure requires surgery, it can be more expensive than any other dental procedure.

The average cost of a dentary implant may range from $3,000 to $4,500 per implant. However, this is just an estimation; the exact cost can vary depending on the following factors:

  • Number of implants
  • Preliminary procedures, such as X-rays or CT scans 
  • Material of the implants 
  • Your location
  • Experience of dentist 
  • Location of your teeth (front teeth implants are costlier than molars)

Average Cost of Dental Implants

Without a dental insurance plan, the average cost of a dental implant can be given as follows:

Implant Procedure Average Cost 
Single Implant $3,000 to $4,500 
Full Mouth Implant $60,000 to $90,000
3-on-6 Implant $10,000 to $15,000 per Arch
All-on-4 Implant $15,000 to $20,000 per Arch
Implant Supported Bridge $5,000 to $16,000 based on the number of teeth needed 

According to the American Dental Association, the average cost of a single denture implant can be decided in the following way:

  • Tooth Extraction: $135
  • Bone Graft: $552
  • Dental Implant: $2,103
  • Implant Fabrication: $718
  • Implant Supported Crown: $1,511
  • Total Cost of a Single Implant: $4,929

Importance of Budgeting for Dental Implant Procedure

Budgeting for dental implants is an important step to getting the best treatment you need.


It helps you find affordable options and pay for dental work without facing any financial burden.

The best way to budget for dental work is to first get an average estimation of the cost you have to pay for an implant. 

Exploring Dental Insurance Coverage for Implants

If the price of investing in a new smile is a little too pricey for you, don’t worry! From dental insurance and a medical credit card to a personal loan and dental loan, there are endless choices available to finance dental work.

Let’s explore dental insurance coverage in more depth.

Overview of Dental Insurance Coverage for Implants

Paying for your tooth-related implants requires using both dental and medical coverage because many insurance providers consider dental implants a cosmetic treatment.

That means a dental financing plan will offer coverage for implants if you need them due to an accident. Also, if a plan covers your implant, it will only cover a percentage of the dental services, ranging from 25% to 50%. 

Understanding the Limitations and Exclusions of Dental Insurance Coverage 

Most denture insurance providers exclude or limit coverage for implants because this procedure is considered not medically necessary. 

For example, tooth extraction may need to be done before the implant, and it might be covered by the insurance plan. In contrast, bone grafting, which involves reinforcing the jawbone, might not be covered by a financing and insurance plan.

Tips for Maximizing Insurance Benefits for Dental Implants

Here are some key strategies to get the most out of your dental implant insurance coverage:

  • Understand the coverage details of your plan to finance and estimate your out-of-pocket expenses.
  • Ask the provider what total amount your insurance will cover in a year.
  • Don’t be shy to contact your insurance provider and explain your need for dental implant surgery.
  • Partner with your dentist to pre-plan treatment within your insurance limitations.

Evaluating Payment Plans and Financing Options

In addition to dental insurance, here are a few of the best financing options to cover the cost of your dentistry work:

Exploring In-house Payment Plans Offered by Dental Clinics

Dental offices and clinics offer a variety of in-house payment plans to suit different budgets. No matter if you wish to limit large upfront payments or want to spread the cost of treatment over several months, a monthly payment plan can help cover your dental costs.

The best thing about these payment plans is their flexible payment schedules. Depending on the total cost of your implant, you can repay the payment over the course of several weeks to months. 

Understanding Third-Party Financing Options

Though there are various dental savings plans and loan options available to help you cover dental expenses, they usually require you to have a good credit score to qualify. 

Here, third-party financing options come in handy to finance dental implants and make treatment even more affordable. CareCredit, United Medical Credit, and SimplePay are some of the best low-interest, third-party options to pay for a costlier dental implant surgery. 

Researching Government Assistance Programs and Grants

Unfortunately, there are no federal government grants that are specifically designed for dental implants. However, the following programs and resources aim to offer some level of financial assistance:

  • Veterans Dental Care Grants 
  • Dental Schools
  • Medicaid 
  • State and Local Programs
  • Grants from Non-Profit Organizations, such as ADA Foundation

Eligibility Criteria for Dental Grants and Financial Aid

The eligibility criteria for each grant may vary. Generally, government financial aid programs consider your age, residency, income level, medical history, and the nature of dentistry work needed to determine your eligibility.

However, it is advised to meticulously review the guidelines to ensure your eligibility before applying.

How to Apply for Government Assistance for Dental Implants?

The application process for a government assistance program can be complex as it requires documentation of treatment plans, medical records, and income proof.

Gather all the necessary documents in advance and prepare well to streamline the application process. 

Important Considerations for Affordable Dental Implants

Choosing a professional oral surgeon is crucial to ensure quality care for your dental needs. You can use online resources to research a prospective dentist.


Moreover, access the long-term benefits, such as improved oral health, to make an informed decision about denture implants.

Tips for Finding a Reputable Dental Professional 

Denture implants offer a transformative solution to individuals seeking a long-lasting and stable tooth replacement. However the success of this restorative treatment relies on selecting a professional and affordable dentist.

Here are a few key considerations for finding a reputable dentist:

  • Access the educational background of the dental professional
  • Inquire about the number of tooth-related implants they have completed.
  • Consider the accessibility and location of the dental practice for ongoing care.


There are several ways to cover expenses related to your dental work without going into debt. Some dentistry financing options do not even require excellent credit to qualify.

All you need to do is find trustworthy lenders that offer dental financing, compare their offerings, and go with the one that suits your needs well. 


Question: How can you determine the exact cost of your denture implant?

Answer: Ask the dental practice that is going to perform the treatment to know the exact cost of your tooth-related implant.

Question: How can you apply for a government grant for implants?

Answer: The application process for government financial aid for implants requires document submission and medical records.

Question: What is the average cost of a dental implant?

Answer: The average cost of an implant varies significantly depending on the number of implants needed and implant fabrication. 

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