How Can United Medical Credit Help Me With Dental Implant Financing

In May 21, 2021
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Dental implants have helped many people who have lost one or more of their permanent teeth. They are a viable alternative to bridges and dentures for individuals who want a permanent solution. Bridges can be problematic by damaging nearby teeth, while dentures make some individuals feel insecure and may not allow them to eat or talk normally, with the average cost of denture repairs adding up over time. 

Implants can improve self-confidence, but more importantly, implants can make eating easier, reduce the loss of bone in the jaw and maintain the integrity of facial structure. Dental implants are one of the many items that we can offer dental financing for.

History of Dental Implants

Dental implants have a long history. Evidence of tooth implants has been found as far back as the Maya civilization. However, the beginning of modern dental implants started in the 1950s, when it was discovered that bone easily regenerated and merged with titanium, making the metal a potential resource for reconstruction in various areas of the human body. The first patent for titanium dental implants was awarded in 1969, and since then, titanium has been the predominant material used in dental implants.

Current dental implants continue to use titanium, but techniques for placing implants have vastly improved. The use of imaging and an understanding of the factors that make an individual a likely candidate for dental implants have made the procedure highly successful. 

Any individual considering a dental implant should have their procedure performed in the USA. There are numerous dentists and oral surgeons in various regions that are well trained in this procedure and offer other services, such as sedation dentistry as well. Improved techniques for implants in the USA have allowed patients to shorten healing time and create dental implants that can last a lifetime.

Types of Dental Implants

Three types of dental implants are available, and the best type for a patient is determined based on a variety of factors. 

The amount of bone loss in the jaw is a major influence on the type of implant that is available to the patient. Significant bone loss may require a bone graft or an implant with a larger frame to support a tooth. In some cases of bone loss, the patient may not be a good candidate for dental implants.

The most recognized dental implants are the ones placed inside the jaw bone. These implants are called endosseous implants. A hole is drilled into the bone and titanium screws are placed there, which will support the new crown. The second type of dental implant, subperiosteal, is placed on top of the bone and under the gum tissue. Lastly, the third type of implant, transosteal, is one in which the titanium frame is positioned within the jaw from below.


Individuals who are considering this procedure want to know, “Do dental implants hurt?” Dentists and oral surgeons who perform this type of reconstructive dentistry have various sedation methods available to eliminate pain during the procedure. Any post-operative pain or discomfort is well controlled using pain medication.

The procedure itself can be complex and require multiple stages until completion. Once a plan is made for placing the implants, the process can begin. Usually, the implants are placed first, with temporary dental crowns. Once the bone has fused around each implant, the permanent crown can be placed. Some patients may have a tooth extracted and the implant inserted on the same day. The dentist will determine a method that has the best chance of success.

Dental Implant Prices

The cost of dental implants can vary greatly. A single implant may start at $3,500 to $4,000, assuming the procedure is uncomplicated. More complex implants, bone grafts or the implantation of multiple teeth will dramatically increase dental implant cost. The cost of dental implants is difficult for most individuals to pay upfront, therefore, financing for dental implants is often a good solution.

United Medical Credit is a pioneer in healthcare financing and medical loans for dental care and other procedures that health insurance or dental insurance plans may not cover. Finding dental implant financing options with excellent credit can be hard; paying for dental implants with bad credit can seem nearly impossible. 

Many obstacles can decrease an individual’s credit rating, but their credit should not prevent them from having the necessary dental services. United Medical Credit’s lender network offers many medical loan plans, including unsecured loans which cover dental implants and other cosmetic dentistry when your insurance company may not. Our lenders’ dental payment plans with monthly payments you can afford can help make the cost of reconstructive dentistry more manageable for many patients.

Providers: Your patient financing just got easier!

Financing with United Medical Credit is now faster and easier than ever: We’ve eliminated the documentation requirements for most loans $20,000 and under.  That means your patients can complete the loan process – and your practice can get paid – in as little as 24 hours, with only your patient’s signature needed! Click here to schedule a consultation and find out more!

Speaking of finding out more, keep reading for answers to Frequently Asked Questions about how United Medical Credit can help with your dental implant financing and give you the smile you deserve!

Frequently Asked Questions About Dental Implant Financing

Why should I consider restoring my teeth with dental implants?

For many people, dental implants can be a permanent solution to the problem of missing teeth, bone loss in the jaw, and more. Unlike dentures and bridges, a dental implant is designed to support and be supported by the surrounding structures of your mouth, including your natural teeth, gums, and jaw. The vast majority of people who undergo dental implantation enjoy a lifetime of trouble-free eating, laughing, smiling, kissing, and more. For this reason, many people who can afford to pay for it outright or who choose dental loan financing through United Medical Credit prefer dental implants over other, less permanent dental appliances.

Can dental implants replace my dentures?

Even as little as ten years ago, the answer to this question might have been “no.” However, advances in materials, techniques, and methodology u+p to 2021 have made the previously impossible a reality for many people who wouldn’t have been able to have implants before. Every case is different, and some patients may be better candidates than others based on their bone density, gum condition, and other factors. 

Some cosmetic dentists and oral surgeons have their own criteria for determining whether a given patient is a suitable candidate for dental implants as opposed to dentures or bridges. In general, people who can afford dentures can probably afford implants, especially when you consider associated dental costs over time. The biggest question is whether your dentist or oral surgeon considers you a viable candidate for a dental procedure of that type.

Does insurance cover the cost of dental implants?

Depending on your type of healthcare insurance coverage, it may, especially for patients who need dental work to combat sleep apnea or other potentially life-threatening conditions. Some employer-paid healthcare policy plans may cover a portion of surgical, dental implants, and other services such as braces, but the maximum amounts and percentages will vary. Some dental insurance only covers dental hygiene such as teeth cleaning and maybe X-rays, but don’t cover teeth whitening, tooth extractions, and more extensive dental care. Even many plans which have this service covered may require a stiff minimum deductible and high copays before your insurance kicks in. If you have the opportunity and ability to pair your insurance with an HSA, a healthcare spending account, or flexible spending account, or FSA, this may not be as big a concern as someone on a fixed or limited income. However, in situations where employee healthcare benefits decline to cover dental implants or other care as “medically unnecessary,” the costs and expense of the implants will fall to you as the patient. This can make getting dental financing much more important. United Medical Credit can help you access term loans with low-interest rates and competitive finance terms so you can pay for dental care in a way that’s affordable, fast, and easy on both your dentist and your bank account!

I want dental implants, but the cost is prohibitive. Are there any dental implant financing options that can make implants more affordable for me?

Depending upon your income, credit scores, and life circumstances, you could have access to a number of financing options for your dentistry needs even if your healthcare insurance carrier won’t pay. Some of these include:

Credit Cards 

For many people with good credit, this may be the quickest and easiest way to cover the cost of high-dollar expenses such as dental implants. Just swipe the card, and as long as your credit limit is high enough, you’re good. However, high monthly payments, interest, and user fees may mean a credit card isn’t necessarily your best option.

Flexible Spending Account (FSA)

Many people with benefits-paying jobs may be eligible for an FSA through their employer. Much like an IRA or 401k, money is deducted from the employee’s pre-tax paycheck. They can then use this money to cover qualifying expenses throughout the year, such as those associated with wisdom teeth removal, other tooth extractions, root canal and having their teeth cleaned. Ask your HR department if you have an FSA or can start one through your employer benefits package, as well as for a copy of the most current rules and regulations involving their use.

Healthcare Credit Card

Some people with excellent credit may have access to a healthcare credit card, either through their employer or as a private customer. Unlike conventional credit cards, the use of a care credit card limits patients to a network of participating providers for healthcare-related expenses only, which can make using one frustrating.

 This form of patient financing may not be for everyone. Before you use your healthcare credit card, you should use the company’s payment calculator before you proceed to finance your care this way so you understand how much it’s going to cost you in the long term. You should also review your terms and conditions to make sure your credit card provider complies with fair credit laws and financial sector regulations.

Home Equity 

If you own a home, you may be able to access home equity loans or home equity lines of credit, also called “HELOCs.” If you decide to go this route, it is very important to make sure you understand the terms and conditions, whether there are origination and use fees, what penalties might accrue if you miss a payment or pay late, and so on. Many people with stable income and no outstanding mortgage may choose this as an alternative to credit cards because of the typically low-interest rates. However, a home equity line of credit or refinancing your home’s mortgage could be a gamble if you work in an industry that has been heavily impacted by financial uncertainty, such as the lingering effects of the COVID-19 pandemic. It may be worth considering for people who are in secure employment and housing situation, so there’s no harm in asking your bank about the possibilities!

Retirement Funds

Your employee retirement plan could be a way to access cash for expenses that are higher than the norm without having to take out secured loans like a HELOC or unsecured loans like the terms of a credit card. Many people are turned off by the steep early withdrawal penalties and the fact the payment is taxable at a higher rate than normal income. However, if you’re trying to repair your credit score, the trade-off may be worth it. Be sure to ask your retirement plan administrator for more information on how tapping your retirement account early may impact your financial picture.

Third-Party Medical Lending

In many cases, third-party dental loans for financing dental implants or other procedures might be a solution where a patient’s credit score or income picture makes other finance options untenable or out of reach. This method of paying for healthcare such as a dentist’s services has become lots more common over the past decade as more people have chosen to avail themselves of these finance options. United Medical Credit is an established leader in the field of medical loans, with simple patient forms for application, loan amounts from $5,000-$25,000 available and flexible payment plans and loan rates which work with your life and budget.

Your Dentist 

Your dentist might offer in-house financing for patients with qualifying credit, and it’s worthwhile to see if that’s an option with your provider. The drawback is, unlike other loan types which are subject to government regulation and stringent oversight so consumers are protected from predatory lending practices, many healthcare providers’ private financing options are not, which means in-house financing through your dentist may leave you subject to higher interest rates and harsher financial penalties if you don’t pay on time. They might also not be compliant with fair credit and lending practices. If an in-house option to finance dental implants is offered, it is usually a good idea to review the terms and conditions to make certain their privacy policy and terms meet with your approval before you sign a lending note. You should also check your other options to make sure you have all the information to make the choice that best centers your finances and health.

At United Medical Credit, our lender network and a team of skilled finance professionals can help you cut through the red tape and make it possible to get you fast access to the loan you need, with terms that work with your life, credit history, and financial picture, even if you have bad credit.  

What credit score do I need to qualify for dental implant financing?

This is a very subjective question that depends on a lot of factors, including your employment history and your history of paying debts like loans, credit cards, mortgage, and car payments. However, those items are not necessarily the be-all, end-all of assessing your creditworthiness for dental loans or other medical financing. 

Generally speaking, it is a very good idea to check your credit report at least once per year and make sure any negative information which should have expired or which is inaccurate is removed. Under fair credit laws, you have the right to do this, free of charge and without any effect on your credit score, by writing to the major credit bureaus and requesting your credit file. 

One of the biggest benefits of this is that you might find your credit score improves virtually overnight when you get incorrect or outdated information removed from your credit history. While it may take you some time and legwork, it’s worth doing to make future financing less expensive and more accessible!

Is there a way to obtain dental implant financing for people with bad credit?

According to most loan calculator programs, a score under 450-500 is considered bad. However, “bad credit” doesn’t necessarily mean what the name implies. In some cases, bad credit may just mean your debit column takes up a disproportionate amount of your financial history or current circumstances.

At United Medical Credit, we don’t believe your credit score should be the final factor in whether you can access good healthcare. You wouldn’t want an insurance rep calling the shots on your oral health and dental procedures, after all. That should be between you and your dentist. 

United Medical Credit makes it easy for you to get pre-approved for loans from $5,000-$25,000. Just fill out the application on this site and let our experienced loan consultants connect you with lenders who can get you the money you need under loan terms tailored to your life and needs. 

Our robust lender network has a proven track record of helping people who couldn’t get loans from more conventional sources because of bad credit, no credit, charge-offs, bankruptcies, and more. Best of all, the service is completely free and there’s never any obligation to accept a loan package which isn’t right for you. We even work with your dentist or healthcare provider to get them paid quickly, so you can get the smile you’ve always wanted.

If you’re ready for the better, more attractive, healthier mouth you deserve, or other medical care which you thought was out of your reach, United Medical Credit is ready to help you get the dental implant financing you need. Click here to start your application and see how quick and easy it can be to get the loan you need for the healthcare you deserve!

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