How to Afford All-on-4 Dental Implants

All-on-4 dental implants provide natural-looking and permanent alternatives to dentures. The implants can help people regain a beautiful smile after they lose their upper or lower teeth. Dental implants, as opposed to dentures, can also lead to improved jaw health, better dental hygiene and greater comfort. However, they can be prohibitively expensive.

The cost of all-on-4 dental implants typically ranges from $5,000 to $15,000, and that cost is per arch and can vary based on location.

If you know the ins and outs of all-on-4 implants, you can make an informed decision about whether they are right for you. Plus, if you move forward with these implants, you can find the best way to pay for them, whether or not you have dental insurance.

What Are All-on-4 Dental Implants?

All-on-4 dental implants involve the use of a screw-retained device to replace an entire arch of teeth. The implants work in the same way as natural teeth, and they won't cover the roof of the mouth. They also allow individuals to retain up to 95% of their chewing ability in contrast to traditional dentures. 

How Is All-on-4 Different from Other Dental Implants?

Standard and All-on-4 dental implants help patients replace lost upper or lower teeth. A surgeon can bond the implants to a patient's jaw to permanently replace lost teeth. Conversely, standard and All-on-4 dental implants differ in how they are inserted into a patient's gumline.

A surgeon angles All-on-4 implants beneath a patient's gumline. This ensures the maximum amount of support for a patient's rear teeth in the prosthetic arc. It also enables the surgeon to use fewer dental implants than he or she would require during a standard implants procedure.

Are All-on-4 Dental Implants Covered by Insurance?

In many instances, All-on-4 dental implants are not covered by insurance. However, dental coverage varies based on the insurer.

Review your insurance policy or contact your insurer to find out if you have dental implants coverage. Sometimes, an insurance company covers a portion of the cost of dental implants. There may be times when dental insurance includes full coverage of dental implants.

If you have insurance coverage for dental implants, assess your policy's annual maximum and any terms relating to preexisting conditions before your procedure, too. If you are approaching your policy's annual maximum or have exceeded this total for the calendar year, you may be responsible for some or all of the costs of your implants. It's also important to note that if you had a missing tooth before your policy's effective date, your insurer may not cover your procedure.

What Are the Best Ways to Pay for All-on-4 Dental Implants?

Along with insurance, other options are available to help you cover the cost of All-on-4 dental implants. These include:

  • Discount Dental Plan: Many discount dental plans offer coverage for implants and other dental procedures. They often have one annual fee, provide access to a large network of dentists, and do not require approvals or claims forms for enrollment — they simply offer a flat discount rate. 
  • Installment Plan: Dentists may provide installment plans that let you make affordable monthly payments to cover the cost of implants over the course of several months or years.
  • Flexible Spending Account (FSA) and/or Health Savings Account (HSA): You can use FSA and/or HSA funds for dental implants, and doing so can provide tax advantages over other financing options.
  • Medical Credit Cards: CareCredit and other medical credit cards can provide special financing that lets you avoid interest if you submit your payments on time.
  • Dentistry School: College and university dental programs may offer discounts on implants and other dental procedures.

The bottom line: it pays to learn as much as you can about All-on-4 dental implants and the costs associated with them. That way, you can determine how to get these implants without breaking your budget.  

Source: iQuanti, Inc.


Categories: Healthcare Insurance

Tags: dental implants, dental insurance, healthcare, healthcare insurance