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How to Save on Dental Costs: A Guide to Payment Plans for Dental Implants

February 22, 2025
Topics: Patients
Written by: Lisa Rasmussen

Introduction: The High Cost of Dental Implants and How to Save

Dental implants can be life-changing, restoring confidence and function, but they often come with a hefty price tag. The good news? You don’t have to drain your savings to afford them, with payment plans for dental implants. Whether you have insurance, no insurance, or are looking for alternative ways to pay, there are options like payment plans, in-office membership plans, and The Patient Marketplace that can significantly reduce your costs.

This guide will walk you through how to afford dental implants without financial stress, covering dental financing, savings strategies, and exclusive membership plans that can save you thousands.


Why Are Dental Implants So Expensive?

Dental implants involve surgical procedures, high-quality materials, and specialized expertise, which drive up the cost. Here’s a breakdown:

  • Initial Consultation & X-Rays – $100–$500
  • Implant Placement – $1,000–$3,000 per implant
  • Abutment & Crown – $500–$3,000 per tooth
  • Additional Procedures (Bone Grafting, Extractions, etc.) – $200–$3,000+

Total costs for full-mouth implants can range from $10,000 to $50,000 or more—making affordability a real challenge.


The Top Ways to Save on Dental Implants

1. Insurance & Maximizing Coverage

If you have dental insurance, check if your plan covers implants or consider payment plans for dental implants. Some comprehensive plans cover part of the procedure, but most only pay for extractions, exams, or dentures.

Pro Tip: If your plan doesn’t cover implants, consider a secondary dental plan or HSA/FSA accounts to reduce costs.


2. In-Office Membership Plans: A Secret Savings Hack

One of the most affordable and underutilized ways to save on dental implants is joining a dentist’s in-office membership plan. These plans provide: ✅ Reduced Treatment Costs – Discounts of 20-50% off procedures
No Insurance Hassles – No waiting periods, deductibles, or claims
Affordable Monthly Payments – Usually $20–$40/month

Many dental offices now offer membership plans as an alternative to insurance, allowing patients to access major discounts on implants and routine care.


3. The Patient Marketplace – Find a Dentist Who Offers Affordable Plans

The Patient Marketplace connects patients with dental practices offering affordable payment plans and membership options.

How It Works:

  • Search for a dentist offering in-house financing or membership discounts
  • Compare pricing, savings, and financing options
  • Choose a dentist that fits your budget

Many top-rated practices partner with The Patient Marketplace to offer exclusive pricing and flexible payment options.


4. Flexible Payment Plans & Dental Financing

If you can’t pay upfront, dental financing helps spread costs over time. The best options include:

CareCredit – 0% interest for 6-24 months
LendingClub – Low APRs, fixed monthly payments
Dental Office Payment Plans – Many practices offer 0% in-house financing

By choosing a flexible payment plan, you can pay for implants in affordable monthly installments instead of one large sum.


Real Patient Story: How Mark Saved $5,000 on His Implants

Mark, a 52-year-old teacher, was quoted $18,000 for dental implants. With no insurance, he faced a tough choice. After researching options, he: ✅ Joined his dentist’s membership plan – Saving 25% instantly
✅ Used CareCredit for a 24-month interest-free payment plan
✅ Found his dentist through The Patient Marketplace, securing a lower-cost provider

Final Cost: $13,000 instead of $18,000 – A savings of $5,000!


The Urgency of Choosing a Plan Now

Waiting too long to get implants can lead to: Bone Loss – Delayed implants require costly bone grafting
Higher Costs – Prices increase yearly due to material costs
Oral Health Decline – Missing teeth cause shifting, bite problems, and difficulty eating

Act now to secure affordable implants before prices rise further.


Take the Next Step: Find an Affordable Dentist Today

If you’re ready to save on dental implants, explore The Patient Marketplace to find a dentist offering financing, membership plans, or discounts.
Click Here to Start Your Search

Have questions? Comment below, and we’ll help you navigate your best savings options.


Final Thoughts: Get Quality Care Without Breaking the Bank

Dental implants don’t have to be a financial burden. With membership plans, financing, and The Patient Marketplace, you can restore your smile at a fraction of the cost. Don’t wait—start exploring your most affordable options today!

Save on Dental, Optometry & Wellness

Dental & vision insurance are not the best options if you want to truly save on dental work or vision care. Search our listings of vetted prctices that can help you save money!

Jordon Comstock

Author Bio

Jordon Comstock is the Founder & CEO of BoomCloud™, a software that allows practice, clinic & spa owners to build, manage and scale a membership program. Jordon loves helping patients save on care & writing tips in dentistry, optometry and the spa industries. Jordon is passionate about music, Hawaii, Healthcare businesses like: dentistry, optometry, med spas and massage spas.