Dental implant financing in Phoenix can turn Diamondback Dentistry's $2,875 single-tooth implant package into a manageable monthly payment through insurance, CareCredit, or paying the package directly. Most patients combine more than one of these options rather than relying on just one. This guide walks through how insurance, CareCredit, and direct payment work together, and what to expect from each one.
Paying for Dental Implants in Phoenix at a Glance
Most patients pay for a dental implant in Phoenix through a mix of dental insurance, CareCredit financing, and direct payment. At Diamondback Dentistry, a single-tooth implant is $2,875, well below the Phoenix-area range of $3,000 to $5,000. We verify your insurance benefits for free and help you prequalify for CareCredit before you commit to treatment.
Does Insurance Cover Dental Implants?
Dental insurance can lower what you pay out of pocket for an implant, but few plans cover the full cost. Many insurers treat dental implants as a major or elective procedure, and coverage commonly runs zero to 50 percent of the procedure, according to the National Association of Dental Plans (NADP). A typical PPO plan also caps your total annual benefit at $1,000 to $1,500, so even a plan that covers part of an implant may not stretch to cover the whole $2,875 package in a single benefit year.
Diamondback Dentistry accepts most major PPO dental insurance we accept and files claims directly on your behalf. We offer free benefits verification before you commit to treatment, so you know what your plan actually pays before your appointment. You can also check your dental insurance coverage before you call.
Plans Diamondback Dentistry Accepts
We accept Delta Dental PPO coverage, Humana, Cigna PPO coverage, Aetna PPO coverage, and Blue Cross Blue Shield, along with UnitedHealthcare, MetLife, Guardian, and Principal. Delta Dental PPO plans are accepted; DeltaCare USA, a separate HMO-style plan, is not. Arizona Health Care Cost Containment System (AHCCCS) coverage is accepted only through the UnitedHealthcare APIPA contractor, not directly.
Plans We Accept
We accept most major PPO plans and verify your benefits before treatment, at no charge.
PPO plans we accept
Financing
We also accept CareCredit financing for any balance insurance does not cover, and the $2,875 implant package can be paid directly with no financing at all.
What Dental Insurance Typically Covers for Implants
Coverage details vary by plan and by whether your case involves just the implant post or also a crown, bone graft, or extraction. Many plans cover a portion of the crown or the extraction as a separate procedure, even when the implant post itself is excluded. Because these details differ from plan to plan, our team verifies your specific benefits before your consultation, so you are not guessing at what your plan pays. Prices vary based on individual case complexity. Request a consultation for an accurate estimate.
Financing a Dental Implant with CareCredit
CareCredit is the financing option Diamondback Dentistry offers for patients who want to spread the cost of a dental implant at our Phoenix office into monthly payments. It works alongside insurance, so you can use both together if your plan covers part of the cost.
How CareCredit Works for Dental Implants
CareCredit works like a credit card built specifically for medical and dental expenses. You apply and prequalify without affecting your credit score, then use an approved credit line to pay for treatment. Many CareCredit plans include a promotional period with no interest if the balance is paid in full within that window. The length of any promotional period and the rate that applies afterward depend on your application and can change, so we do not state a specific number here. Ask our team about the current CareCredit offers at your consultation, since Diamondback Dentistry does not set or guarantee CareCredit's terms.
Applying for CareCredit at Diamondback Dentistry
You can prequalify for CareCredit online before your appointment using the link above, or ask our front desk to help you apply in the office. Approval and the exact terms you receive come from CareCredit, not from Diamondback Dentistry, and are subject to credit approval. Many patients prequalify before their consultation, so they already know their financing options when we discuss treatment.
Paying Without Financing
Not every patient wants or needs a financing plan. Some prefer to pay for treatment directly, either in full or with savings set aside for the visit. Diamondback Dentistry keeps this simple with two published prices: the $19 new patient exam and X-rays, and the $2,875 single-tooth implant package.
The $19 New Patient Exam and X-Rays
New patients can start with a $19 new patient exam and X-rays. This covers the exam and X-rays only, not a cleaning, and gives you and Dr. Owtad a clear picture of whether an implant is the right next step before any larger commitment.
The $2,875 Implant Package
The $2,875 package covers your consultation, treatment plan, the surgical placement of a single tooth implant, and the final crown restoration, with final inclusions confirmed at your consultation. Paying this directly, without financing, means no credit application and no ongoing payments once treatment is complete. Prices vary based on individual case complexity. Request a consultation for an accurate estimate.
What Affects Your Total Cost
The $2,875 package covers a straightforward single-tooth implant. A few situations change what you pay beyond that base price, and we quote these individually rather than publishing one number that would not fit every case. See our detailed dental implant cost breakdown for a fuller look at what drives the price.
Bone Grafting or Extraction Needs
If the tooth needs to be extracted first, or if there is not enough jawbone to support an implant, bone grafting or an extraction adds a separate step and cost to your treatment plan. We identify this at your consultation, before any commitment, so you know your full cost upfront. You can also find out if you're a candidate before you book.
All-on-4 or Full-Mouth Cases
Replacing all or most of the teeth in an arch, through All-on-4 dental implants or full-mouth implants, is priced individually based on your case, not from a published number. The Phoenix-area range for a single implant is $3,000 to $5,000; multi-implant cases scale from there depending on how many implants and restorations are involved. Request a personalized quote at your consultation.
How Diamondback Dentistry Makes Costs Transparent
Surprise bills are one of the biggest worries patients have about implant treatment. Diamondback Dentistry addresses this with two habits: verifying your insurance benefits before you commit, and giving you a written estimate before any procedure begins.
Free Benefits Verification
Before your treatment plan is finalized, our team checks your specific insurance benefits and tells you what your plan is expected to cover. This is free and does not commit you to treatment.
Written Estimates Before Treatment
You receive a written estimate before we begin any procedure, covering the $2,875 package or any additional steps such as a bone graft. If your case changes at your consultation, we update the estimate before moving forward. We encourage new patients to ask questions until the numbers are clear.
Financing Option
Finance Your Implant with CareCredit
Prequalify for CareCredit with no impact to your credit score, then use it to cover part or all of your $2,875 implant package. Approval and specific terms depend on your application; ask our team about current CareCredit offers at your consultation.
Subject to credit approval. Prequalifying with CareCredit does not affect your credit score. Financing is provided through CareCredit; Diamondback Dentistry does not determine approval or terms.
Sources and References
- National Association of Dental Plans, benefit-trend data on dental plan coverage limits and major-service coverage percentages. National Association of Dental Plans
- CareCredit, program description of healthcare financing mechanics. CareCredit: How It Works
Schedule a Dental Implant Consultation in Phoenix
Talk with our team about insurance, CareCredit, or paying directly for your $2,875 implant package. We verify your benefits and give you a clear, written estimate before you commit to anything.
Service Area
Diamondback Dentistry serves patients across North Phoenix and the surrounding North Valley.
Neighborhoods served
- North Phoenix
- Deer Valley
- Peoria
- Moon Valley
- Glendale
ZIP codes in catchment
- 85023
- 85022
- 85021
- 85029
- 85051
- 85027
Diamondback Dentistry · 1512 W Bell Rd, Suite C-6, Phoenix, AZ 85023 · (602) 866-8183
