You told us your goal simply: stop the pain and be able to eat normally again. Everything below is built around that — what's causing the trouble, how we fix it, and a few honest ways to pay for it so cost doesn't stand in the way.
Three ways to approach this. There's no wrong choice — start where it makes sense for you.
Just what's causing trouble — takes out the broken tooth, replaces it so you can chew, and clears the infection. Uses this year's remaining insurance.
The same complete plan, split across two plan years so your insurance benefit resets and helps you twice — the most insurance-friendly path.
Everything handled together this year — the broken tooth, the infection, and both cracked molars protected. The fewest visits, done all at once.
Your PPO resets its yearly maximum each plan year. By doing the urgent work now and the two cracked-molar crowns after your benefit resets, your insurance helps in both years instead of just one.
| When | Treatment | Fee | Est. insurance | Your portion |
|---|---|---|---|---|
| This plan year | Implant (#30) | $4,300 | ||
| Crown on implant (#30) | $1,850 | |||
| Deep cleaning (4 quadrants) | $1,150 | |||
| This year subtotal | $7,300 | – $1,400 | $5,900 | |
| Next plan year | Crown — cracked molar (#3) | $1,850 | ||
| Crown — cracked molar (#14) | $1,850 | |||
| Next year subtotal | $3,700 | – $1,500 | $2,200 | |
| Total, phased over two years | $11,000 | – $2,900 | $8,100 |
First, the real numbers: the fees above, minus what your insurance is estimated to cover, leaves your portion. Here are a few ways to handle that portion — you apply directly, and approval and final terms are theirs to set.
Pay Summit Family Dental directly in 12 equal monthly payments, with no interest and no third party. On the Essential-now portion, that's about $492/month for a year.
An outside option you can apply for to spread the cost into monthly payments. A longer 24-month plan brings the Essential-now portion to about $286/month.
Worth knowing: Cherry's 12-month plan is interest-free only if the full balance is paid within the 12-month window. If a balance is left when the window ends, interest is charged back to day one. The 24-month plan above runs at about 14.99% APR — roughly $965 in interest over the two years. We're glad to help you plan the payments so you finish on time.Most of this is also FSA/HSA-eligible — if you have pre-tax dollars set aside for health spending, they can go toward this treatment. Ask us and we'll help you make the most of them.
Waiting won't save money here, and it usually adds to it. The broken tooth and the gum infection are active now — left alone, the infection keeps loosening teeth, and the gap from #30 lets the bite shift, which can turn a clean implant into a more involved repair. The two cracked molars are the one part that can reasonably wait — which is exactly why they're in next year's phase. The pain and the infection are what we want to handle right away.
These numbers are estimates to help you decide — not a bill. When you're ready, or if you'd like us to walk through which option fits your budget, just call. We'll take care of the rest.
(555) 010-2200Each monthly figure is an estimate, subject to approval and the lender's final terms. Insurance amounts are estimates based on the benefits described and are not a guarantee of payment; if your plan pays more than estimated, the difference is credited back to you, never billed as a surprise. Out-of-network estimates are figured conservatively. This plan is reviewed by your dentist before treatment and is not financial, insurance, or legal advice.
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