Have you been putting off dental work because of the cost? The average cost of dental implants ranges from $1500 to $4000, depending on several factors. Here, learn how to reduce the costs of your dental work by as much as half and get your teeth fixed like you've been wanting to without breaking the bank. Even top-notch dental insurance plans from an employer may still only cover 50% to 80% of total dental implant restoration costs. Here's how to get around a large out-of-pocket fee.
Get a dental services discount card. This is not an insurance program. Rather, it is a card you pay for to get access to discounts on dental services at 20% to 50% off the average costs. The prices for these discount cards vary greatly and could be anywhere from $80 to $300. They are usually good for one calendar year. Each discount program contracts with participating dentists to provide their services at a discount for those patients who have purchased the card. You will be able to find out which dentists participate in each program before you purchase.
Sign up for a supplemental individual dental insurance program. Take not that these may have a waiting period before they can be used. These programs work similarly to a dental plan you would purchase through your employer. After you purchase an individual plan, you may ask your dental service provider to submit claims to both of your dental insurance carriers. Depending on the coverage you select, you may end up having no out-of-pocket costs for your dental implants, root canals, crowns or any other service.
Take advantage of flexible spending accounts (FSA's) if your employee benefits package includes this option. These work by allowing you to contribute money each pay period before these funds are taxed. Then, instead of paying for your dental work with money you've already paid tax on, you'll pay from your FSA. By getting your dental services at a significant discount, combining individual and employer-sponsored dental insurance plans, and paying any out-of-pocket costs with pre-tax dollars, you could save hundreds or thousands of dollars off of your dental implants.