I spent years stuck in a frustrating cycle: fix a tooth, pay the bill, wait a few months, fix another tooth, pay another bill. Every time I thought I was done, another problem popped up. I was bleeding money, and worse — I still couldn’t chew normally or smile without hiding.
When I finally learned about dental implants, I was scared. Not just about the surgery — but the cost. Could I even afford it?
Turns out, there were options. Real options that made it possible for me to say yes to changing my life. If you’re wondering how to afford dental implants, especially full mouth dental implants, I hope my experience gives you hope.
You don’t have to stay stuck. Let’s walk through five ways to pay for dental implants, including how dental implant payment plans can make your permanent, new smile possible.
*Actual NUVIA patient(s) who may have been compensated for sharing their story. Not all those who come in for a consultation are eligible for this treatment. Results may vary in individual cases.
1. Dental Implant Payment Plans
When I sat down for my consultation, cost was my biggest fear. I wasn’t rich. I didn’t have tens of thousands of dollars sitting in the bank. But they calmly walked me through payment plans that made everything feel doable.
Turns out, the cost was pretty straight forward too. My dental implants were bundled into one flat price — no hidden fees — and divided into affordable monthly payments. Having that financing option meant I could start my journey without draining my savings or waiting years to save up (all while struggling with failing teeth in the meantime). It made getting my smile back possible right away, not someday.
If you’re worried about the cost like I was, ask about dental implant payment plans. But first, you’ll want to check if you even may be a candidate for dental implants with the 60-second quiz.
2. Can’t Qualify for a Finance Plan? Co-Sign With Someone
If your credit isn't where you want it to be (life happens!), you can often co-sign with a trusted family member or friend to help you get approved for financing.
Bringing someone alongside you can open up the door to affordable monthly payments that fit into your life. Don’t be afraid to ask for help — you deserve this.
3. Set Aside Savings and Pay in Full
Some people choose to save up for their dental implants and pay in full. If you can swing it, that’s wonderful — no monthly payments to think about!
Even setting aside a little bit each month can add up quicker than you think. You can also combine savings with financing (more on that next).
4. Save Up a Down Payment and Finance the Rest
Another option is to save up a down payment to lower your monthly costs.
Putting some money down upfront can make monthly payments even easier to manage. It’s like giving yourself a head start.
5. Use and FSA or HSA
If you have a Flexible Spending Account (FSA) or Health Savings Account (HSA) through work, you can often use those pre-tax dollars toward your dental implant procedure.
It’s a smart way to make your money stretch farther — and something many people don’t realize they can do!
6. Does Insurance Pay for Dental Implants?
Insurance usually doesn’t cover the full cost of dental implants, but in some rare cases it might for a single implant. Full mouth implants usually aren’t covered though you can always check with your insurance provider.
Check out this article for more information on dental implants and insurance.
How Dental Implants Can Actually Save You Money Over Time
Before I chose dental implants, I spent years throwing money at temporary solutions — partial dentures, bridges, repairs, replacements — all of it. Every fix came with a new bill, and none of them solved the root problem.
At the time, each little fix seemed cheaper than getting dental implants. But when I finally sat down and added up everything I had spent over the years, it shocked me. I had paid more patching up my mouth than I would have spent getting permanent teeth from the start.
And the worst part? I still didn’t have a real, working smile.
With dental implants, you make one investment — and it can give you a lifetime of stability, function, and confidence. I said goodbye to emergency dental visits and goodbye to money wasted on broken partials or failing bridges.
The peace of mind alone is worth it. But if you look at the numbers, the cost of replacing temporary solutions over and over again adds up fast — and in the long run, dental implants may actually save you money compared to trying to patch things together.
What is Having Dental Implants Like?
Three and a half years after getting my dental implants, here’s the honest truth: I would do it again in a heartbeat.
The first night I had my permanent teeth (which was 24 hours after having my dental implants placed!), I went home and ate soft noodles — with a real bite for the first time in years.
Today, I can eat anything: steaks, crunchy chips, juicy apples — even ice cream without sensitivity. I laugh without covering my mouth. I smile in photos. I feel like me again.
And the best part? I’m no longer stuck in that painful, expensive cycle of temporary fixes. My dental implants are strong, beautiful, and still going strong after years.
If you're standing where I once stood — scared, overwhelmed, unsure if you can afford it — please know that you have options, there is hope, and you have a life waiting for you on the other side of that decision.
Don’t let fear or finances stop you from getting your smile, your health, and your confidence back. Take the 60-second quiz to see if you may qualify for full mouth dental implants.
Your future self will thank you.
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