Prices for full-mouth dental implants start at $25,000 for a top or bottom arch. Other options, of course, are available to help you get back your natural-looking, healthy smile. In nearly every situation at Philadelphia Oral & Maxillofacial Surgery, if you have missing teeth or are wearing a denture, we have just the right affordable solution for you. It's just a matter of determining which option meets your need and fits your budget.
Fortunately, at Philadelphia Oral & Maxillofacial Surgery, we offer many payment plans and options that make implants quite affordable at low monthly rates. If your credit score is average or even slightly below, we can help you apply online with a third-party financing company, and you’ll receive an instant decision in most cases. This pre-qualifying approach is a “soft” credit check. If you don’t qualify, all hope is not lost. Some patients tap a friend, family member, or spouse to co-sign with them for financing.
Alternative options for affording dental implants:
Home Equity Line of Credit Payment Plan
Some patients take out a home equity line of credit. You may have done something similar to remodel a kitchen or pay for your child’s college. Many patients use the equity in their homes to pay for their life-changing treatments – especially since interest rates are low and tax write-offs may be available.
Borrowing from a Retirement Plan
Patients also borrow from a retirement savings fund such as a 401(k), 403(b), or 457(b) account. This option includes multiple advantages, such as low monthly payments that may be extended, in many instances, over five years. A considerable benefit of borrowing from a self-funded retirement account includes the low interest rates available. This option is regardless of your credit score rating. Furthermore, all interest paid by you is deposited back into your retirement account instead of a lending institution.
However, doing nothing also has a substantial cost.
The alternative to the financing question is the price of NOT taking action. Doing nothing will lead to more jawbone loss, leading to loose-fitting removable partials and dentures, and ultimately unstable teeth and difficulty chewing – especially healthier foods like fruits, vegetables, whole grains, and meat. Excessive jawbone loss may also lead to higher healthcare costs since implant dentistry becomes more challenging to perform.