Financing Dental

Financing Dental Implants: Options and Resources for Patients

Dental implants are an exceptional solution for replacing missing teeth, offering durability, functionality, and a natural appearance. However, the cost of dental implants can be a concern for many patients. At 1st Family Dental Implant Centers in Burr Ridge, IL, and Roselle, IL, we are committed to making dental implants accessible through a variety of financing options and resources. This guide outlines the available options to help you manage the cost of dental implants effectively.

Understanding Your Financing Options

1. Dental Insurance

While dental insurance coverage for implants varies, many plans cover a portion of the cost. It’s essential to check with your insurance provider to understand the specifics of your plan.

  • Pre-authorization: Before beginning the implant process, obtain pre-authorization to understand what your insurance will cover and your out-of-pocket costs.
  • Coordination of Benefits: If you have multiple insurance plans, coordinate between them to maximize coverage.


2. CareCredit

CareCredit is a healthcare credit card that offers financing options for medical and dental procedures, including dental implants. It provides various payment plans, including short-term, interest-free options and longer-term plans with fixed interest rates.

  • Application Process: Applying for CareCredit is straightforward, and decisions are typically made quickly. You can use CareCredit to cover the cost of your implants and pay off the balance over time.


3. LendingClub Patient Solutions

LendingClub offers financing specifically designed for dental procedures. They provide a range of loan options with competitive interest rates and flexible terms.

  • Loan Options: LendingClub offers both fixed-rate and promotional rate plans, allowing you to choose the financing option that best fits your financial situation.
  • Easy Application: The application process is simple, and you can quickly determine your eligibility and loan options online.


4. Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs)

HSAs and FSAs are tax-advantaged accounts that allow you to save pre-tax dollars for medical expenses, including dental implants.

  • HSAs: Available to individuals with high-deductible health plans, HSAs offer the benefit of tax-free savings that can be used to cover the cost of dental implants.
  • FSAs: Often provided by employers, FSAs allow you to set aside pre-tax dollars to cover eligible medical and dental expenses. FSAs typically have a “use it or lose it” policy, so it’s important to plan your expenses accordingly.


5. Dental Discount Plans

Dental discount plans are membership-based programs that offer reduced rates on dental services, including implants. These plans are not insurance but can provide significant savings.

  • Membership Fees: By paying an annual membership fee, you gain access to discounted rates on dental procedures at participating providers.
  • Reduced Fees: Dental discount plans can help lower the overall cost of your dental implants, making them a more affordable option.

Additional Resources and Support

At 1st Family Dental Implant Centers, we strive to provide comprehensive support to help you navigate the financial aspects of dental care. Our team is dedicated to assisting you in understanding your options and choosing the best financing plan for your needs. We also offer guidance on how to utilize insurance benefits and financing programs effectively.

For more detailed information on the financing options available, please visit our Dental Implant Insurance & Financing Options page.


Financing dental implants can be manageable with the right resources and support. At 1st Family Dental Implant Centers in Burr Ridge, IL, and Roselle, IL, we offer a variety of financing options, including CareCredit, LendingClub, HSAs, FSAs, and dental discount plans. By exploring these options and working closely with our team, you can find a solution that fits your budget and allows you to achieve the smile you deserve. For more information or assistance with financing, please visit our financing page or contact our offices directly.

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