Wondering how you will pay for a missing tooth or a full-arch replacement is often more stressful than the procedure itself. Between deductibles, out-of-network rules, and the sticker shock of implant pricing, many patients put off care they need for months or years while the problem gets worse.
At Wenatchee Dental Arts, we build financing into the conversation from the first visit, not as an afterthought once treatment is already planned. We work with CareCredit so you can spread the cost of an implant in a way that fits your budget. Because we operate as a fee-for-service practice, we can work with almost any dental insurance as an out-of-network provider rather than limiting your options to a narrow network.
Why Dental Implant Costs Catch Patients Off Guard
Dental insurance plans were designed decades ago around fillings and cleanings, not the kind of restorative work implants require. Many plans cap annual benefits at a level that barely touches a single implant, let alone a full arch. Patients often do not realize this until they are already sitting in a consultation.
According to the U.S. Food and Drug Administration, dental implants are designed to restore chewing ability and keep the jawbone from shrinking after tooth loss, which is part of why they tend to cost more upfront than a bridge or a denture. That cost reflects a permanent solution, not a temporary fix you will need to replace again in a few years.
We walk you through the full price before any work begins, and we explain exactly which parts of the process are covered by your insurance and which are not. You should never be surprised by a bill after the fact.
How CareCredit Can Help You Pay Over Time
CareCredit is a healthcare credit card built specifically for costs your insurance does not cover. We have offered it to our patients for years because it lets you say yes to treatment now and pay in monthly installments that fit your budget, rather than delaying care until you can pay in full.
Applying takes only a few minutes, and approval decisions come back quickly, often before you even leave our office. If you are approved, you can schedule your implant procedure right away instead of waiting weeks to save up.
What To Ask Before You Choose a Plan
A few questions can save you from an unpleasant surprise later. Before signing up for any financing plan, it helps to know exactly what you are agreeing to.
- Monthly payment: Ask for the exact dollar amount due each month, not just an estimated range.
- Promotional period: Ask how long any zero-interest window lasts and what the rate becomes afterward.
- Total cost: Ask what you will pay in total by the end of the plan, including any fees.
We encourage every patient to ask these questions out loud during their consultation, and we would rather spend extra time explaining the numbers than have you feel rushed into a decision.
Fee-for-Service Care for Out-of-Network Patients
We are in-network with Delta Dental and Premera Blue Cross, but we also treat many patients whose insurance falls outside those two plans. As a fee-for-service practice, we can still work with almost any dental insurance as an out-of-network provider. We can submit their claim, and the reimbursement goes directly to the patient.
This model gives us more flexibility in planning your treatment, since we are not restricted by a narrow network’s approved procedure list. When combined with CareCredit, your insurance status alone does not have to determine whether you can move forward with an implant.
Serving Patients Across North Central Washington
We see patients from throughout Chelan, Douglas, Grant, and Okanogan counties and beyond, many of whom drive over an hour specifically for implant consultations. Dr. John Divis has practiced in the Wenatchee community for over 30 years, and that history means our team has had time to build financing conversations into a process that actually works for the families and retirees who make up much of our patient base.
Get Answers About Financing at Wenatchee Dental Arts
Whether you need a single implant or are exploring i-CAT 3D imaging to plan a full arch restoration, we can walk you through CareCredit and our fee-for-service options before you commit to anything. Dr. Divis brings over 30 years of experience to every treatment plan, and our team takes the time to explain your restoration options and payment paths side by side so you can make a decision that fits your budget and your smile goals.
If you have missing teeth and have been putting off treatment because of cost, we would rather help you find a workable plan than have you continue to wait. You can also learn more about tooth extractions and Dr. Divis’s background on our website, and when you are ready, use our contact form to schedule a consultation.
