David Imrie

Any kind of dental procedure is usually expensive. It’s one of the main healthcare costs that people spend their employer-sponsored benefits on. However, health benefits usually only cover the costs of cleanings, checkups, and fillings. Sometimes, traditional benefits will cover other dental concerns such as root canals or bridges. But usually, anything considered cosmetic won’t be covered. This can be a huge problem for some people, such as for those who need dental implants.


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What Are Dental Implants?

Dental implants are essentially fake teeth, but unlike dentures, dental implants are a much more invasive and permanent solution. For dental implants, an artificial root (usually made out of titanium) is drilled into your jawbone. Then, an artificial tooth is attached to the artificial root. Each dental implant has to be done individually and, because of this, it’s an expensive procedure. The cost of dental implants in Toronto is approximately $1,000 per implant.

Paying for Dental Implants

The cost of dental implants in Toronto is expensive. It’s approximately $1,000 per implant, and many people usually need more than one at a time. Here are the most common ways that people for dental implants:


Paying Outright is one of the easiest ways to handle paying for dental implants, but it only works if you have the money to pay for the procedure upfront.


Payment Plan is another option for paying for dental implants. In order to get the procedure done, you have to go to a dental surgeon. The dental surgeon’s office will usually provide a payment plan option where you pay in monthly installments (with interest) until you pay off the full amount. This is one of the most common options because you don’t have to have the full amount for the procedure upfront.


Traditional Benefits will sometimes pay for part of the procedure. It all depends on which benefits you have. Call your benefits provider before the procedure to learn if your benefits will cover some of the cost of dental implants.

These three options for paying for the cost of dental implants in Toronto are the most common, but you do end up spending a lot of money out of pocket for it, which isn’t something that anyone wants to do. Luckily, there are health spending accounts to cover the costs for you.

What Is a Health Spending Account?

A health spending account is another way employers can provide healthcare benefits to their employees. At the beginning of each year, your employer puts the amount of money they’re giving to you for benefits into your health spending account. From there, you’re able to spend that money on whatever healthcare costs you have, as long as they’re CRA approved.


With a health spending account, you’re able to have complete control over your healthcare benefits money, unlike with traditional benefits. You can use however much money you require for certain medical costs and procedures, such as dental implants. Gone are the worries and concerns about the cost of dental implants in Toronto because you can cover it with your health spending account.


The cost of dental implants in Toronto is expensive, but with a health spending account, you don’t have to worry about being unable to pay for the procedure. Talk to your employer about switching their small business to a health spending account in order to give better benefits to employees. There’s also a tax break for them as well!


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David Imrie

Dr. David Imrie founded RHSA Canada in 2009. Dr. Imrie is a medical doctor and former health insurance professional who has a passion for helping small businesses reduce their healthcare costs. As an executive in the insurance industry, he was shocked to find that so many common healthcare services are covered only partially by most insured plans, when employees were entitled to 100% coverage for all prescription drugs, dental services, and other healthcare expenses. Since leaving the insurance industry in 2001, Dr. Imrie committed to using newer technology to develop a better alternative program for small business health benefits.
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