Restorative Dentistry

Dental Implant Financing Options

Cost shouldn't be the reason you live with a missing tooth. Minty Smiles offers multiple paths to make implants fit your budget — from 0% financing and insurance coordination to our in-house membership plan.

PaymentMonthly payments
Rate0% financing options
CoverageInsurance accepted
PlanMinty Membership
Hero photo · financing consultation
Payment Solutions

Ways to make it work.

We've structured multiple financing pathways so there's almost always a way to get started on treatment today — not "someday."

01 Option 01

CareCredit

CareCredit is a dedicated healthcare credit card accepted at Minty Smiles. Qualified applicants can access promotional 0% interest periods — meaning no interest if your balance is paid in full before the promo period ends. Apply in our office in minutes or online before your visit. Approval decisions are typically instant.

02 Option 02

Sunbit

Sunbit is a buy-now, pay-later solution designed specifically for healthcare. It uses a soft credit pull that doesn't affect your credit score, with quick decisions and transparent monthly payment amounts shown before you commit. Many patients with limited credit history qualify for Sunbit when other financing is unavailable.

03 Option 03

Minty Membership Plan

Our in-house annual membership plan covers your preventive care (cleanings, exams, X-rays) and provides a meaningful discount on all procedures — including implants. No insurance required, no waiting periods, no annual maximums. Ideal for patients without dental insurance who want consistent savings. See plan details →

04 Option 04

In-house payment arrangements

For qualifying patients, we can structure an in-house payment plan directly with our office. This is discussed on a case-by-case basis at your consultation. Ask our team if this option is available for your specific situation.

05 Option 05

Insurance coordination

We verify your benefits before treatment begins so you know exactly what your plan covers. We submit claims on your behalf and help you maximize your annual benefits — including strategic timing of procedures across calendar years to access two full maximums.

Insurance Benefits

Maximizing your dental insurance.

Many patients don't realize how much of an implant their insurance can cover. Here's what to know before your consultation.

01

PPO coverage for the crown

Most PPO dental plans (Delta Dental, Cigna, Aetna, MetLife, Guardian, and others) cover 50% of the implant crown after your deductible — up to your annual maximum. This is often the single largest insurance-covered component of an implant.

02

Extractions and bone grafts

If the failing tooth needs to be extracted, dental insurance typically covers 50–80% of that cost. Bone grafts placed at the time of extraction (socket preservation) are often covered under the surgical extraction benefit. We code these correctly to maximize your reimbursement.

03

Medical insurance for implants

Medical insurance can sometimes cover dental implants when the tooth loss resulted from trauma, an accident, or is related to a covered medical condition. We help identify whether this coordination of benefits applies to your situation.

04

Strategic benefit timing

By splitting the implant post placement in one calendar year and the abutment/crown in the next, it may be possible to access two annual maximums — effectively doubling your insurance benefit. We plan around your benefit calendar when timing allows.

Call us at (469) 759-6964 to have our team run a pre-treatment benefits check — at no cost to you.

No Insurance? No Problem.

The Minty Membership Plan.

Designed for patients who don't have dental insurance — or whose insurance doesn't cover enough.

Minty Membership Plan

Your own dental benefit plan.

The Minty Membership Plan is an annual in-house plan that covers your preventive care — two cleanings, two exams, and X-rays — plus a meaningful discount on all procedures including dental implants. No insurance required, no waiting periods, no annual maximums, and no surprise claim denials.

Members save on everything from routine fillings to implants, making this plan the most practical alternative to insurance for uninsured patients in Duncanville.

Don't Delay

Why delaying costs more.

Waiting on an implant doesn't preserve your options — it often narrows them. Here's why acting sooner saves money in the long run.

  • Bone loss begins immediately. The jawbone begins resorbing within weeks of tooth loss. Waiting 6–12 months typically means measurable bone loss that may require a bone graft before an implant can be placed — adding cost and time to your treatment.
  • Adjacent teeth drift. The teeth on either side of a gap begin to tilt toward the empty space over time. This can complicate implant placement geometry and may require orthodontic correction before or alongside implant treatment.
  • Costs don't decrease. Implant fees rarely decrease over time, and the addition of bone grafting — which becomes more likely the longer you wait — adds significantly to the total investment. Patients who act promptly after extraction typically spend less overall.
!

Socket preservation grafts placed immediately after extraction cost significantly less than ridge augmentation required after years of bone loss. Timing matters.

Questions

Financing questions answered.

Do you offer 0% financing on implants?
Yes — CareCredit offers promotional 0% interest periods for qualified applicants. These are deferred-interest promotions, meaning the balance must be paid in full before the promotional period ends to avoid retroactive interest. We walk you through the terms clearly at your consultation so there are no surprises.
Can I use HSA/FSA funds for implants?
Yes — dental implants are an IRS-qualified medical expense, making them eligible for payment with Health Savings Account (HSA) or Flexible Spending Account (FSA) funds. Using pre-tax dollars for your implant effectively reduces the real cost by your marginal tax rate. Bring your HSA/FSA card to your appointment — we accept it like any other payment.
What if I don't have dental insurance?
Patients without dental insurance can access the Minty Membership Plan — our in-house annual plan that covers preventive care and provides a meaningful discount on all procedures, including implants. CareCredit and Sunbit financing are also available regardless of insurance status. We have multiple paths to make treatment accessible.
How do I apply for CareCredit at your office?
You can apply in our office on a tablet or online at carecredit.com before your visit. Approval decisions are typically instant. Once approved, you can use your CareCredit account immediately for your implant treatment. Our team walks you through the process at your consultation — there's no pressure to apply.
Implant Guide

Complete implant resource hub.

Everything you need to know about dental implants at Minty Smiles.

Your budget shouldn't be a barrier.

Let's find a payment path that works. Call or book online.

(469) 759-6964