Dental Implant Financing in Fort Collins, CO

Dental implants can be financed. Most patients don't pay the full cost upfront. Between dental insurance, third-party financing companies, and payment plans, there are several ways to spread the cost out so it fits your budget.

This page walks through the common ways patients pay for dental implants and what to ask about at your consultation with Fort Collins Perio.

Why Dental Implant Cost Feels High Upfront

Dental implants are a bigger investment than a filling or a cleaning, and the number can be a shock the first time you see it. That's a normal reaction. Implants involve surgery, a healing period, and a custom-made replacement tooth or teeth, and the price reflects that.

The good news is that "the total cost" and "what you pay out of pocket today" are usually two different numbers. Financing exists specifically to close that gap.

Ways to Pay for Dental Implants

Dental Insurance

Dental insurance sometimes covers part of implant treatment, particularly extractions, bone grafting, or the crown attached to the implant. Full implant coverage is less common. Check your plan's details or ask our office to help you understand what your specific policy covers.

Third-Party Financing Companies

Several companies specialize in financing healthcare procedures, including dental implants. CareCredit is a widely used financing company for dental procedures, including dental implants, often with monthly payment plans and promotional low or 0% interest periods for patients who qualify. Ask our team which financing partners Fort Collins Perio currently works with.

In-House Payment Plans

Some practices offer their own payment plans, splitting the total cost into set monthly payments directly through the office. Ask at your consultation whether this is available at Fort Collins Perio.

HSA and FSA Funds

If you have a Health Savings Account or Flexible Spending Account through your employer, those funds can typically be used for dental implants, since they qualify as a medical expense. Using pre-tax HSA or FSA dollars can meaningfully lower your real cost.

What to Ask About at Your Consultation

• What is the estimated total cost for my specific case?
• Which financing options does Fort Collins Perio currently offer or accept?
• Does my dental insurance cover any part of this treatment?
• Is a payment plan available, and what are the terms?
• Are there separate costs for extractions, bone grafting, or sedation that aren't included in the base implant price?

Frequently Asked Questions

Can I finance dental implants with bad credit?

Some financing companies offer options for a range of credit profiles, though approval and terms depend on the lender and your individual situation. It's worth applying to see what you qualify for, since many prequalification checks don't affect your credit score.

Does insurance ever fully cover dental implants?

Full coverage is uncommon. Most dental insurance plans treat implants as a major or cosmetic procedure with partial coverage at best. Some plans cover related steps like extractions or bone grafts more fully than the implant itself.

Is it better to pay implants off over time or all at once?

That depends on your finances. Paying upfront avoids interest if a financing plan charges any. A 0% promotional period, if you qualify and pay it off in time, can also mean no added cost. Your decision should come down to what fits your monthly budget without strain.

Can I combine insurance, financing, and HSA/FSA funds together?

Yes, in most cases. Many patients use a combination: insurance covers part of the cost, HSA or FSA funds cover another part, and financing covers what's left. Ask our office to help you map out the combination that works for your situation.

Ready to Talk About Financing?

Cost shouldn't be the reason you put off treatment you need. Contact Fort Collins Perio to schedule a consultation. Dr. Livingston's team can walk you through your specific cost estimate and the financing and payment options available to you.