Dental implants are a costly affair, the costs of which are hardly covered by the statutory health insurance companies and only by the private insurance companies with the help of a very expensive insurance. A loan for dental implants is the cheaper option in most cases.
Why credit for dental implants?
It is not just a question of costs, but above all a question of when the dental implants are due. Insurance is paid permanently and, over the years, costs far more than the implants, of which it is impossible to say exactly when they will be needed. It is clearly much cheaper to take out a loan for dental implants at the moment of the indicated treatment. Of course, insurance should not be discouraged here, but the cost comparison shows that insurance is more expensive for a completely healthy person over the years.
After all, implants are sometimes not used at all and often only in individual cases, once in a lifetime or in decades. In addition, most insurers limit benefits, for example according to the model that only a total of 2,500 USD are reimbursed in the first two years (enough for 1 – 2 teeth), then it is 5,000 and after 6 years still 7,500 USD. Since nobody can say when the treatment is due, it often makes more sense to take out a loan for dental implants.
Credit for dental implants through dentist
Some dentists offer installment payments in the form of a loan, which may be more expensive than taking out a dental implant loan from a direct bank. The same effect as with the financing of a motor vehicle can be found here, which is always recommended via a direct bank instead of the car dealership. In the worst-case scenario, when participating in purchasing groups and with medically uncomplicated procedures, the cost even for dental implants amounts to around 1,000 USD for a tooth, generally one assumes 1,500 USD.
For bridges and other treatments, the costs do not simply add up, but are calculated according to complex keys. It is also rarely useful to have only one tooth treated. The most sensible solution is an offer from the dentist after an in-depth examination and then a treatment that will last for many years and decades. The credit for dental implants is then recommended for this solution.
Credit for dental implants from a medical perspective
If you ask a dentist, he will definitely advise you on the indicated treatment, regardless of how you finance it. Teeth naturally do not get better over the course of life, and dental diseases spread to neighboring teeth and sometimes to the body. Those who rely solely on health insurance do not have adequate treatment. The reimbursement costs of the statutory health insurance funds are around 30 percent, often “health insurance solutions” are then preferred, which correspond to the medical status of the 1980s.
As a rule, private insurers usually take over 80 or 90 percent, with very expensive insurance also 100 percent. The danger here lies in neglecting the necessary treatments, which should be tackled sooner rather than later. It is not for nothing that health is one of the most valued goods. Whether you are driving a slightly larger or smaller car can be less important than your dental health if it is really under attack.