All on 4 Payment Plans: Understanding Your Options

All on 4 Payment Plans

Understandably, the cost is one of the most significant factors when it comes to considering All on 4.  But, don't despair, there are many ways you can pay for your All on four treatment.  To help you navigate all the different payment options and understand what to look for, I have compiled a list of the most popular All on 4 payment plan options available.

You may notice that a lot of practices now offer All on 4 Payment plans.  The majority of All on 4 payment plans offered are through a 3rd party provider.  While some dentists might have partnerships with 3rd party providers, these are not the only solution you have available to you.

You should never feel pressured into using one particular option just because that what the practice suggests.  All on four will probably be one of the most significant financial decisions you will make in your life so do your research and ensure that you are basing your decision on what is right for you and your particular circumstances.  

 

How much is All on Four?

 

Before deciding on which All on 4 payment plan suits your needs you will first need to know how much it costs. If you are researching All on 4 costs online, you will see that they can vary greatly.  Costs generally range from about $17,000 - $30,000.

Understanding the reasons behind the variations in cost requires a bit of research so that you know exactly what you are paying for.  To help you I have written a three-part series on understanding All on 4 costs which you can read here.

The cost for All on 4 here at Macquarie Street Centre is $25,000.  This includes metal reinforced teeth that come with a 5-year warranty*.  You will find many cheaper quotes when comparing online and there are various reasons for this.  Usually, because it is not the price for the entire All on 4 procedure and there are always 'extras'.  More information is available on this in my All on 4 costs series mentioned above.

 

What are my all on 4 payment plan options?

 

Below I have listed in detail All on four payment plan options that may be available to you and a handy checklist to use when you are comparing plans.  Some choices listed are widely known, and if you have been researching All on four, you have probably already considered these.  But some, like early release super, is an option that many people have never considered, nor did they know was available.

Personal loan for All on 4

Most banks now offer speciality dental or medical loans. When considering a personal loan, you will want to look at the interest rate quoted for the life of the loan.  Interest rates can vary dramatically. The most significant determining factor when it comes to interest rates is your credit history so if you have an excellent rating - this may be a good option for you.

Click here to get a quick comparison of dental loans.

Speciality medical finance for All on 4

There are many companies now offering speciality medical and dental finance.  Below is a list of some of the more well-known providers and a checklist of the things to look out for when comparing them.  Please bear in mind the information below was correct at the time of writing but may have changed. Refer to the individual websites for the most up to date information.

MediPay

We often recommend MediPay as an option for our patients here at MSC.  The pricing is transparent, and it is an easy online application. They even provide a handy online calculator so you can see how much your repayments will be fortnightly or monthly.

  • Limit: Up to $30,000
  • Deposit: None required
  • Interest rate: Check online for the latest rates
  • Repayment period: Up to 4 years

Link to MediPay website

Denticare

Denticare is a company that only provide finance for dental procedures and is a popular option among practices.  The application needs to be processed through the dental practice.

  • Limit: Up to $24,000
  • Deposit: Can vary depending on the treatment
  • Interest rate: None (Interest-free)
  • Repayment period: Up to 2 years

Link to Denticare website

MacCredit

MacCredit has been providing loans for dental and medical procedures for over ten years.  You can apply directly online.

  • Limit: Up to $38,000
  • Deposit: None required
  • Interest rate: Check online for the latest rates
  • Repayment period: Up to 7 years

Link to MacCredit website

Checklist:

Feature What you should know Check
Limit Check the maximum amount you can borrow $
Interest rate Compare rates, some even offer interest-free terms (with a shortened repayment period) %
Deposit Check to see if a deposit is required $
Repayment period Check how long you have to pay off your loan T
Fees Ensure they are transparent with upfront and monthly fees and check for hidden costs Extra cost
Application process Check if you can apply directly online or through your dentist
Inclusions Check with your All on 4 surgeon that all costs are included in the quote and there are no hidden ‘extras’ or surprises down the track Total cost $

 

Using your Superfund for All on 4

If none of the above options are available to you, you may be able to apply to use your super on compassionate grounds for medical treatments (such as All on four).  This is known as Early release super (ERS).

You can also apply to get early super release to pay these costs for your partner, child or another dependant.  Some conditions come with this option which you can read about on the Australian Government website here.

It’s also worth noting that the early release of super on compassionate grounds will only be granted to help you cover unpaid costs. If you’ve already paid those costs, even by using a loan or credit card, you won’t be able to access your super.

There are also companies that will help you navigate the application process (for a fee) such as SuperCare.

 

Considering going overseas for All on 4 treatment?

 

If you've been doing your research, then you would have noticed that there are a lot of overseas dentists advertising targeting Australians to get their All on four treatment done overseas.

Be very wary when considering this option and be sure to do all the research you possibly can so that you completely understand the risks associated with this.

To further help you understand the possible complications from getting All on four treatment in another country you can read my article on All on 4 costs Thailand here.

 

Is All on 4 worth it?

 

This is a question that I get asked a lot from my patients.  Finding real, valuable reviews by past patients is very difficult as legally dentists are not allowed to post patient reviews of treatments on their website.  

One way we can find out how patients feel is by looking at published studies.  One study published in 2012 focused on patient satisfaction with the All on 4 procedure. Patients answered questions about comfort, function, speech, social image, social inhibitions, psychological discomfort, and disabilities.

95% of these patients described themselves as extremely satisfied or satisfied with their new teeth. 98% would recommend similar treatment1.

For more information on patient satisfaction on the all on four treatment, you can read my All on 4 Reviews article here.

all on 4 before and after
Robbie - actual All on 4 patient, Dr David Dunn
(click image to see her transformation)

 

Alternative teeth replacement treatments

 

If you are missing all teeth on the lower jaw, then there may be another fixed implant treatment available to you called Trefoil.

Trefoil is a relatively new treatment where a tooth bridge is placed on just 3 implants as opposed to 4 or 6 implants.  

This procedure requires specialised training, and very few dentists in Australia have had this training.  We are fortunate at MSC to have been selected to be one of the first practices trained in Trefoil implant dentures so that we can offer this lower cost treatment as an option for our patients.

The treatment cost for Trefoil is $15,000.  This procedure can be performed from start to finish in just one day.  As mentioned earlier, this option is only available for the lower jaw.

 

Other All on 4 Considerations

There are many considerations when deciding on All on 4 and the costs and payment options are just a small part. Navigating the dental jargon and sales process also can be overwhelming.

We discuss key considerations and delve deeper into these in our All on 4 Guide. You can download the guide here.

We offer a free suitability consultation over the phone.  To see if you might be a possible candidate for All on 4 or Trefoil or if you have any other questions, please do not hesitate to give our friendly and knowledgeable team a call on 02 9247 1394 or click here to request an appointment.

 

*Conditions apply

1Babbush CA. Posttreatment quantification of patient experiences with full-arch implant treatment using a modification of the OHIP-14 questionnaire.

 

02 9247 1394