A Chicago resident who is missing one or more teeth will want to seriously consider getting dental implants. Implants are durable, do not fall out and often look better than dentures.
Because dental implants Chicago are often much more expensive than dentures, many dentists offer financing plans that enable one to pay for the implants over time. However, such financing plans are not the only option available for those who need implants but do not have the cash on hand to pay for them upfront. Following are some of the many ways in which one can obtain needed funding for dental implants.
Insurance
Dental insurance does not cover the costs of cosmetic surgery. However, insurance will pay for a portion of the costs if it can be shown that the surgery in question is necessary. In order to obtain compensation, one will need to get a letter from his or her dentist stating that dental implants are the only way in which one's dental health can be brought back to normal. This letter may need to be accompanied by other forms of evidence such as X-rays.
Discount Dental Plans
Discount dental plans are membership-based plans that require a person to pay a sum of money on a monthly or yearly basis. Members are then able to obtain discounts of up to 60% on dental procedures. However, it is important for a person to ensure that the dentist he or she wants to see is affiliated with the plan's network.
Third Party Financing
An alternative to using a dentist's financing plan is to look for third party financing. There are some financial institutions that will grant loans for one-time dental work as long as the applicant has a decent credit score. Repayment terms and conditions vary depending on how much money one is borrowing, the lender one is working with and how long it will take to pay the money back.
In Summary
Getting needed dental work done in a timely manner is important. If one or more teeth have serious problems, these may need to be pulled and replaced with either dentures or implants. Implants are often the best option and the good news is that they can be obtained even if one has a limited budget. Simply consider the options outlined above (along with other options such as pawning something and/or borrowing money from a relative) and make a realistic repayment plan.