Dental implants are a life-changing solution for people with missing teeth, offering durability, natural aesthetics, and improved oral health. However, their high cost can be a significant barrier for many patients. If you’re looking for ways to affordably restore your smile, finding the best dental savings plan for implants can be a game-changer.
Whether you have insurance or not, there are numerous ways to save money on dental implants. In this guide, we’ll explore the most cost-effective options, including dental membership plans, insurance alternatives, and discount networks that can help you cut costs while ensuring high-quality care.
Why Are Dental Implants So Expensive?
Dental implants can range from $3,000 to $6,000 per tooth, depending on factors like the dentist’s expertise, materials used, and geographic location. Several costs are associated with implants, including:
- Initial Consultation & X-rays: The evaluation and planning process adds to the overall expense.
- Surgical Placement of the Implant: This includes the implant post that fuses with the jawbone.
- Abutment & Crown: The visible part of the implant, which mimics a natural tooth.
- Bone Grafting (if needed): If you have insufficient jawbone, additional procedures may be required.
Considering these costs, choosing a savings plan that helps offset these expenses is crucial.
How to Save Money on Dental Implants Without Insurance
1. In-Office Dental Membership Plans
One of the best-kept secrets in affordable dental care is in-office membership plans. Many dentists offer these plans, providing discounted procedures, preventive care, and reduced implant costs for a flat annual or monthly fee.
- No waiting periods or claim denials
- Exclusive savings on major treatments
- Affordable monthly payments
Tip: Find a participating dentist offering membership plans through platforms like The Patient Marketplace for the best local deals.
2. Dental Discount Plans
Unlike insurance, dental discount plans offer 30-50% savings on major procedures, including implants. These plans work like a membership—pay an annual fee and access lower rates at participating dentists.
- No deductibles or waiting periods
- Significant discounts on implants and oral surgeries
- Easy enrollment with instant access to discounts
3. Dental Schools & Training Clinics
University dental programs often provide affordable implant services performed by advanced dental students under expert supervision. While it takes longer, the cost can be 50-70% lower than private practices.
4. Financing & Payment Plans
Many dental offices partner with financing companies like CareCredit or LendingClub, offering low-interest or 0% APR payment plans. This allows you to spread the cost of implants into manageable monthly payments.
Does Dental Insurance Cover Implants?
Most traditional dental insurance plans do not cover implants, but some premium PPO plans offer partial coverage. Here’s what you need to know:
- Basic Plans: Typically exclude implants or classify them as “cosmetic.”
- High-Tier PPO Plans: May cover up to 50% of implant costs after deductibles.
- Waiting Periods: Many insurance plans require 6-12 months before covering major procedures.
Pro Tip: Check for alternative coverage options, such as supplemental dental insurance or health savings accounts (HSAs) & flexible spending accounts (FSAs) to offset costs.
Best Dental Savings Plans for Implants
Here are some of the top dental savings plans that offer great discounts on implants:
| Plan Name | Annual Fee | Discount on Implants | Waiting Period |
|---|---|---|---|
| Careington 500 | $99+ | 20-50% off | None |
| Aetna Vital Savings | $139 | 15-50% off | None |
| Cigna Dental Savings | $135 | 20-40% off | None |
| DentalPlans.com | Varies | Up to 60% off | None |
These plans reduce costs at participating dentists without insurance hassles.
How The Patient Marketplace Can Help You Save More
If you’re looking for a reliable way to find dentists offering the best implant deals, The Patient Marketplace is a fantastic resource.
- Compare dentists offering membership savings plans
- Find quality providers at discounted rates
- Book appointments with trusted professionals easily
Why use it? It connects patients with top-rated dentists offering affordable implant procedures, eliminating the need for insurance.
