Does dental insurance cover the full cost of implants?

Most dental insurance plans treat implants as a major procedure, typically covering 50% of the cost up to an annual maximum of $1,500 to $2,500. Patients usually finance the remaining 'gap' through personal loans or medical credit cards.

What is a typical interest rate for dental financing in 2026?

Interest rates vary by credit score. In 2026, excellent credit (750+) averages 7-9% APR, while fair credit scores may see rates between 18% and 24% APR.

Can I use my HSA or FSA for dental implants?

Yes, dental implants are a qualifying medical expense for both HSA and FSA accounts. Using pre-tax dollars can save you approximately 20-30% on the total cost of the procedure.

Dental Implant Financing Calculator

Dental Implant Financing Calculator | 2026 Patient Tool

Dental Implant Finance Tool

Total Procedure Cost ($)

Insurance / Down Payment ($)

Estimated Credit Tier

Loan Term (Months)

Est. Monthly Payment

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Use our 2026 Dental Implant Financing Calculator to estimate monthly payments based on procedure costs, insurance coverage, and current APR rates. Download a professional amortization schedule (PDF) to bring to your consultation. Plan your surgery with confidence.

Frequently Asked Questions

Does dental insurance cover the full cost?

Most plans cover 50% up to an annual limit (usually $1,500-$2,500). You will likely need to finance the remaining balance.

What is the average 2026 interest rate?

Depending on your credit, rates range from 7% (Excellent) to 28% (Poor). Use our calculator to see how these rates impact your monthly budget.

Can I use an HSA/FSA?

Yes! Implants are a qualifying medical expense. This is a great way to use pre-tax dollars to reduce your total out-of-pocket cost.

Dental Implant Financing Calculator | 2026 Patient Tool

Dental Implant Finance Tool

Frequently Asked Questions

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