House Financing for Dental Implants – Overview
Losing teeth is a normal part of life. Thanks to advances in dental science, today we can easily replace our broken or missing teeth with dental implants.
These serve as a more permanent and the best option. However, dental implants are not cheap.
Patients have to bear the cost of acquiring the services of a skilled dental surgeon and the use of cutting-edge technology which can get quite high.
Additionally, many insurance companies do not provide cover for getting dental implants which can cost thousands of dollars, depending on the number of teeth to be replaced and their position.
This is where in-house financing for dental implants comes as the ideal solution.
Everyone is entitled to a beautiful smile and money shouldn’t be an obstacle in achieving it. So, if you’ve been looking for ways to get financing for dental implants then you’ve come to the right place.
In this article, we will detail the benefits of dental implants and share sources from where you can get in-house financing for dental implants.
Benefits of Dental Implants
When you lose a tooth, it not only affects your smile but also affects your eating abilities. Hence, the tooth is an aesthetic and functional problem that needs to be addressed promptly.
The missing tooth leaves behind exposed dental flesh and bone which are vulnerable to infections and other problems.
Due to the pressure from the other sides, the teeth immediately at the side of the lost tooth will begin to lean towards the gap left behind by it. This results in the loss of the two teeth as well, and the process will continue till almost all of your teeth are gone.
However, when you plug the gap of the lost tooth with a dental implant, it not just covers the exposed flesh and bone in your jaw but also supports the surrounding teeth as well.
Implants can be used to replace a single tooth, multiple teeth, or replace an entire set of teeth too.
Dental implants are the ideal way to replace the aesthetics and functioning of lost or broken teeth.
Find In House Financing for Dental Implants
Thanks to growing numbers of state / federal funded healthcare initiatives along with increasing numbers of private, non-profit and corporate organizations, there are several sources from where a person can get in-house financing for dental implants.
Before applying to get grants for dental implants, it is important to determine the type of treatment and the number of implants you will need.
This helps to understand whether you fulfill the criteria of a particular grant organization as the criteria to get financing for dental implants differs from one source to another.
To determine the exact cost of your dental implant treatment, it is recommended to consult your dentist.
Once you know the type and cost of your dental implants, you can apply to get in-house financing for dental implants at any of the below-mentioned sources.
Although getting a loan with bad credit to pay for the dental work is difficult, there are still several credit options they can pursue to get financing for dental implants, such as:
1. Secured / Unsecured Loans
Secured loans are easier to get because they do not focus on your credit score. However, you do need to put up collateral, such as a house or car, to get the loan.
If you have a good credit score then you can be eligible for an unsecured loan, meaning that you don’t have to put up collateral against the loan.
However, it is important to remember that the lender can repossess the collateral in case you fail to repay the loan on time and can engage a collection agency to recollect an unsecured debt.
2. Care Credit
This works similarly to a credit card but is designed exclusively for healthcare. Using Credit Care, you can easily get a loan for dental implants and can repay the loan through an efficient and affordable monthly installment plan.
The best thing about Care Credit is its “No Interest Payment Plan” that provides an interest-free plan of repayment for 3, 6 and 12 months.
3. Lending Club
The Lending Club is a firm specializing in providing financial aid for healthcare procedures, including medical and dental care.
The club is established to provide financial assistance for healthcare and is an excellent source to get financing for dental implants. Eligible applicants can receive financial grants for dental implants of up to US$ 50,000.
Dental implants are very important as they help to restore a beautiful smile and complete oral functions.
If you are unable to pay for a dental procedure with your insurance policy or do not have an insurance policy, then you can easily apply at any of the above-given sources and get financing for dental implants.