HSA, FSA and Other Ways to Pay for Dental Implants

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Patient at My Dental Implant Center in Mesa, AZ using HSA or FSA funds to pay for dental implants

Can I Use HSA or FSA Funds for Dental Implants?

Dental implants are a big investment, but you probably have more ways to pay than you first thought. Here’s how HSA, FSA and 401(k) funds can help, along with our financing options. For overall pricing, start with our cost of dental implants guide.

Absolutely. We help patients use HSA and FSA cards to pay for their dental implant procedures, and our team will work with you to coordinate payment.

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What’s the Difference Between an HSA and an FSA?

  • FSA: Benefits expire at the end of the plan year, so it’s important to use them before they expire. Some plans offer a short grace period or let you carry over a limited amount.
  • HSA: Funds roll over from year to year. If you haven’t used them yet, your existing HSA could pay for a significant part of your procedure. And the good news is, your HSA stays with you, even if you change jobs.

Can I Use My 401(k) to Pay for Dental Implants?

In our experience, some patients use their 401(k), either through a loan or an early withdrawal. In specific cases, we’ve provided patients with a letter of medical necessity to help them process the request.

Make an appointment to learn more today.
My Dental Implant Center patient exploring 401(k), HSA and FSA options to pay for dental implants

Is There a Penalty for an Early 401(k) Withdrawal?

Keep in mind that if you’re under 59½, an early withdrawal is usually subject to income tax plus a 10% penalty, while a 401(k) loan usually avoids both, as long as it’s repaid on schedule. In some cases, patients can avoid the 10% penalty if they meet certain criteria.

Our team will share information and connect you with resources to help you plan for your new smile. Of course, talk with your tax advisor before making any decisions.

What Other Ways Can I Pay?

  • Dental partner loans, with options for low or no credit and no hit to your credit when you check your financing options
  • Monthly payments starting as low as $149
  • 0% interest promotions for qualified patients
  • Dental insurance, which we’ll verify and help you maximize. See what dental insurance covers

What’s the Next Step?

Our pricing is all-inclusive with no hidden fees. Before you commit, review these questions to ask before accepting treatment. To build a payment plan that works for you, schedule your complimentary consultation.

Financing is subject to credit approval by our lending partners. Promotional terms are for a limited time, can change and cannot be combined with other offers.

Schedule Your Free Consultation Today!

Feeling pumped about starting your journey to a full, radiant smile? Call us at (480) 618-1148 to schedule your complimentary consultation with Dr. Fulcher. We’re all ears, and excited to understand your needs and explore the best implant options with you.

Don’t let worries about procedures or costs deter you from discovering the joy of a complete, confident smile. Reach out, explore your options, and let’s work together to revive those beautiful smiles at My Dental Implants Center!

Remember, a smile is a lifelong asset, and investing in it goes beyond mere cost. So, let’s dive in, explore, and decide the best route to get you the smile you deserve!