If you’re missing most or all of your teeth, dentures are probably at the front of your mind. The idea of denture financing, on the other hand? That’s not a thought anyone wants to chew on!
Most of us find financial planning intimidating, maybe even a bit of a snooze. But when it comes to paying for life-changing dental treatments like implant-supported dentures, making the right money moves is the key to unlocking all the benefits of a restored smile. If you’re not sure where to start, we’re here to walk you through it.
Cost Factors for Your Dentures
The price tag on your dentures will vary based on your unique circumstances. But in general, here are some key factors that determine the cost of dentures:
- Denture size: Your denture’s cost will depend on whether it’s a full denture or a partial denture.
- Denture type: The type of denture you want will also affect the cost. We offer traditional dentures and implant-supported dentures. To stabilize your dentures with implants, we offer traditional implants and mini dental implants, which also vary in cost.
- Additional treatments: The cost of dentures will increase if you need accompanying treatments. For instance, you might need to have tooth extractions. In some cases, you might need to undergo bone grafting surgery to be eligible for an implant denture.
With all of these factors at play, you may face out-of-pocket expenses for your new smile. And that’s where denture financing comes in handy.
Dental Insurance: The First Line of Defense
The first step in financing your dentures is to check what your insurance will cover. Unlike payment plans, insurance coverage is money you don’t have to pay back. So even if you don’t think your insurance will cover anything, it’s worth it for us to check on your behalf.
All dental plans are different, and what your plan will cover depends on your specific policy details, how you’ve used your benefits that year, and the type of denture you need. Many private dental plans cover a portion of the cost of dentures, often around 50%, but the exact percentage and any waiting periods or annual maximums depend on the plan. Dentures are usually treated as a major service.
Unfortunately, Original Medicare does not cover routine dentures or most other routine dental services. Some Medicare Advantage plans include dental benefits that may cover part of the cost of dentures, but coverage details vary by plan.
We can help you understand what your insurance covers when you come in for a consultation at our office. But even with dental insurance, it’s normal for patients to have some out-of-pocket expenses. Financing through payment plans helps you clear the last hurdle to affording your smile transformation.
Denture Financing Through Payment Plans
You’ve considered the cost of your treatment and what insurance will cover. The next step is to finance your treatment with a payment plan that works for your budget.
Plans vary depending on the financing company you use and any promotional offers available. But in general, you might leverage medical credit cards and personal care loans to finance your dentures. With credit cards and loans, you could be approved for the full cost of your treatment.
Both of these options allow you to pay the cost of your care to our office upfront. Then you’ll pay off the credit card or loan in manageable monthly installments. Depending on the plan, you can pay off the cost of your dentures over five to ten years. And many plans offer a promotional deal, starting at 0% interest! At Bent Tree Dental, we work with multiple financing companies to help you get the best possible rates and a solution that works for your needs.
You might be wondering: What if I have bad credit? We’ve seen patients get approved for financing even when they thought their credit was bad. It’s always worth checking. You might be surprised by the options available, and there’s no risk in exploring what could work for you.
Learn More Denture Financing at Bent Tree Dental
If you’re ready for dentures but concerned about the cost, denture financing can help ease the strain on your budget. When you come in for a consultation, our financing manager will explore all avenues to help make your dentures as affordable as possible. We will review your insurance to maximize your coverage and help you find the best payment plan options. And with our free consultations for implant-supported dentures, we further reduce costs for our patients.
Book a consultation today, and see why so many patients trust us with their dentures!
