Dentures Financing Options: How to Afford Treatment

Dentures are a valuable investment in restoring your smile and oral health. However, the cost of dentures can sometimes be a major concern for individuals seeking treatment. Fortunately, there are various financing options available to make dentures more affordable.

Average cost of dentures

Here are some common financing options to help you pay for your denture treatment.

1. Dental Insurance: If you have dental insurance, it’s important to review your policy to determine if dentures are covered. Some dental insurance plans provide partial or full coverage, depending on the type of plan and your specific policy.
2. Payment Plans: Many dental practices offer payment plans to help patients manage the cost. These plans allow you to divide the total cost of treatment into manageable monthly installments. Discuss payment plan options with your dentist to find an arrangement that suits your budget.
3. Dental Savings Plans: Dental savings plans, also known as dental discount plans, can provide significant savings on various treatments. These plans work by offering discounted fees for services at participating dental providers. You pay an annual membership fee and receive reduced rates for your dental procedures.
4. Health Savings Accounts (HSAs) or Flexible Spending Accounts (FSAs): If you have an HSA or FSA, you can use these tax-advantaged accounts to pay for dental expenses. Contributions to these accounts are made pre-tax, providing potential savings on the overall cost.
5. Personal Loans or Credit Cards: If you prefer immediate payment and have a good credit history, you may consider obtaining a personal loan from a financial institution or using a credit card with a sufficient credit limit. However, it’s important to consider the interest rates and repayment terms associated with these options.
6. Dental Schools or Charitable Organizations: Some dental schools and charitable organizations offer reduced-cost or no-cost dental services as part of their training programs or community outreach initiatives. These programs may have certain eligibility criteria, so it’s worth researching and contacting them to determine if you qualify.
7. Dental Financing Platforms: In recent years, crowdfunding platforms and dental financing platforms have emerged as innovative ways to raise funds for treatments. These platforms allow individuals to create campaigns to seek financial support from friends, family, or even strangers who are willing to contribute to their dental care expenses.

Financing should not be a barrier to obtaining the dentures you need for a confident smile and improved oral health. Speak with a financial advisor to see which financing option is best for you.

^{Content written by Emily Wagner, MS |Reviewed by Greg Grillo, DDS | Last updated 6/5/2023}