Anyone interested in dental implants has probably found them to be a high priced option, but that doesn't mean there aren't ways to manage that expense. From insurance to financing, low cost services and a host of other programs, it's not unrealistic to think that you can find a way to afford the dental prosthesis you want. Once you know all of the options available to you, you can start picking from those that work for you and for which you're already qualified.

Conventional Options

The most traditional approach to managing dental costs is the use of insurance plans, but dental implants fall into the category of major services. As a result, you'll need to reach out to your employer or your insurance carrier to find out whether your current plan offers coverage for implant procedures. Most high tier plans offer some measure of coverage, but the majority of basic tier plans don't, and even those plans that do will often have limitations or requirements that you'll have to fulfill, such as getting a written quote prior to surgery.

Apart from insurance, health spending accounts offered by your employer can also offer you a way of minimizing the impact of dental implant surgery. These accounts allow you to have money deducted directly from your paycheck throughout the year, so you avoid paying for the procedure all at once. Some providers of these accounts place limitations on how much can be spent at once though, so inquire with the provider or your employer to get specific details.

Alternative Approaches

When looking at the price of dental implants, it's possible to save on this by seeking treatment with a dental school as part of the hands on training that new dentists receive. Student dentists are supervised by fully licensed and experienced dentists, so you don't have to worry about inexperienced hands, but you'll often find that services offered in these settings are considerably lower than those offered by conventional dental practices.

Finally, if no other options are available, consider financing options offered by dental practices. By offsetting the cost with insurance and paying down some of the remainder with your employer-offered HSA, you may be able to lower the final expense to a range that is reasonable for financing. These are credit companies, and as such there may be a limitation placed on the amount that they'll offer financing for, but when the alternative is paying it all at once this can be worth investigating. Talk to professional dental clinics, like Crystal Dental Care, to see if they're willing to work with your financial situation.

Just because dental implants are high priced doesn't mean that you should write them off as out of reach. Use the resources available to you, and don't ignore alternative approaches to cost management. With the right combination of accounts, services and budgeting, you can get the new dental prosthesis you need and still have money left in the bank.