We understand that cost is a BIG factor when it comes to making a decision about All-on-4 treatment. But before you allow the price to dash your hopes of a dream smile, let us share some useful information with you.
There’s no denying that All on 4 is costly. The thought of sizeable upfront fees is enough to put many people off. But the good news is that there are several ways to pay for All on 4, which don’t require having ALL the money upfront. Whether you choose a personal loan, opt for a buy-now-pay-later provider — or you decide to access your super early (which some people don’t even realise is an option!), a radiant new smile is still within your reach.
Let’s take a look at how you can cover the cost of all on 4 dental implants. (That is, without making a massive dent in your bank balance or having to overhaul your lifestyle.)
1. Take out a personal loan
Many banks and finance providers offer personal loans for dental work that’s not covered by Medicare or your private health insurance. Interest rates will vary, depending on who you borrow from, so it’s important to do your research.
You may also need to choose between a secured and unsecured personal loan.
Wondering what the difference is? Typically, secured loans have a lower interest rate and allow you to borrow more. However, you need to offer something you own (like a house or car) as security. Unsecured loans, on the other hand, tend to be quicker and easier to apply for. You don’t have to offer an asset as security either. Keep in mind though, the interest rate will be higher. Keen to know more to help choose the right one for you? Check out this Canstar blog comparing secured and unsecured personal loans.
2. Apply for medical finance
Some companies offer speciality loans for dental work. While we’re not affiliated with any, here’s a look at two well-known dental finance options.
3. Access your super early
Did you know that you may be eligible to access your super early (via the ATO's 'Compassionate Release of Superannuation Program') to cover the cost of your, your spouse's or your dependants' All-on-4 implant treatment?
At Green Door Dental, we think everyone deserves to reclaim their true smile. That’s why we’ve partnered with SuperCare - an external services provider that will streamline your early access to super application, to ensure a stress-free and timely outcome. You can read more about SuperCare.
4. Use a buy-now-pay-later provider
There are many options available when it comes to buy-now-pay-later loans. The beauty of these services is that you can get the dental treatment you need right now and pay off the cost over time. In most cases, you can choose a repayment schedule (weekly, fortnightly or monthly) and period (how many months) that suits your budget.
At Green Door Dental, we offer patients a flexible payment solution with Total Lifestyle Credit (TLC). This is a loan provider that will lend from $2001 up to $50,000 to help you get the smile of your dreams. The process is quick and stress-free. You simply apply online or over the phone. Once your application is approved, funds are paid directly to your bank account. Loan terms typically run from two to seven years.
