Dr Dunn has more than two decades of aesthetic and implant dentistry experience. He is known internationally for his clinical expertise.
For many of our patients, it’s not always possible or preferable to save up over time to pay for All-on-4 treatment. Fortunately, there are a few different ways you can fund your new smile and we’ll explore them in detail in this article.
But first, a disclaimer: Any financial information in this article is general and not to be taken as financial advice. Before making a decision, it is recommended that you seek personalised advice from your financial institution and/or advisor. All information in this article was correct at the time of publishing.
Enjoy getting your teeth into this topic when it suits you.
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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, we have compiled this 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 it's 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 to over $50,000.
To help you decipher the factors that can affect the price, we’ve put together an entire article on understanding All on 4 costs — be sure to read it before committing to any treatment plan.
The cost for All on 4 here at Macquarie Street Dental is from $29,000. You will find many cheaper quotes when comparing online and there are various reasons for this. Usually, if you see a cheaper All-on-4 quote, it is not the price for the entire All on 4 procedure and there are always 'extras'. We dive into more detail about this in our All on 4 cost blog mentioned above.
What are my All on 4 payment plan options?
Below, we 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.
There are many companies now offering speciality medical and dental finance. At Macquarie Street Dental, we have partnered with SmileFund (by National Dental Care) to offer our patients an exclusive All-on-4 payment plan, outlined below.
But as we mentioned earlier, it’s always recommended that you explore other providers and seek financial advice to ensure you find the right option for your circumstances. To help you in your research, we’ve also included a handy checklist of the things to look out for when comparing providers below.
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.
SmileFund
With SmileFund, patients at Macquarie Street Dental can loan up to $70,000 for their All-on-4 treatment with 24 months interest-free. This means you can get the smile you’ve always wanted and spread out the cost of your treatment into manageable instalments over time — from as little as $218.75 per week.*
Here’s a quick snapshot of the benefits:
24 months interest-free
No fees
No penalties for early payouts
Quick, easy application process (just ask us how to get started)
Fast approvals and payments for eligible applications
Please note, this payment plan is only available at Macquarie Street Dental and you won’t find it at any other dental practice.
*Price based on a 70% deposit on a 24-month plan. This figure is a guideline only, actual loan amounts and repayments will be calculated by SmileFund, based on your individual circumstances and loan terms. Prices correct at the time of publishing, please check with practice for most up-to-date information. All financial information in this guide is general and not to be taken as financial advice. It is recommended that you discuss your personal finance options with your financial institution and/or advisor before making a decision.
Comparing Financial Providers Checklist
Loan Features Table
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 Super for All on 4
If none of the above options are available to you, there are limited circumstances where 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 access to super.
You can also apply to get early super release to pay these costs for your partner, child or another dependant. Some conditions and strict eligibility criteria 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.
Some dental practices may work with third-party companies to help you navigate the application process (for a fee). At Macquarie Street Dental, we are not affiliated with any companies providing this service and do not recommend any one provider over another.
Check out our article on Accessing super for dental to learn more about this option, the eligibility criteria and how the application process works.
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 to Australians to get their All on four treatment done abroad.
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, be sure to read our article on All on 4 costs Thailand.
Is All on 4 worth it?
This is a question that we get asked a lot by our patients. Finding real, valuable reviews by past patients is very difficult. 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 treatment
For more information on patient satisfaction with the All on four treatment, check out our All on 4 Reviews article here.
Robbie - actual All on 4 patient, Dr David Dunn
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 alone can be overwhelming.
That’s why we created our comprehensive All on 4 Guide (hit the ‘Get guide’ button below to get your copy now). In the guide, we discuss these key considerations and delve deeper into every stage of the All on 4 process, from payments to the procedure itself, so you can feel confident to start your journey to a new smile.
We also offer a free All on 4 consultation where you can find out if you are suitable for All-on-4 treatment and have all your questions answered. To book, simply jump on our easy online booking system or call us on 02 9247 1394.
Dr David Dunn is one of Sydney’s most experienced and renowned implant and cosmetic dentists. At Macquarie Street Dental, you’ll feel 100% confident that your new smile will be beautifully natural and as unique as you.
Financial disclaimer: This figure is a guideline only, actual loan amounts and repayments will be calculated by SmileFund, based on your individual circumstances and loan terms. All financial information on this website is general and not to be taken as financial advice. It is recommended that you discuss your personal finance options with your financial institution and/or advisor before making a decision.
Copyright 2024. Macquarie Street Dental, Sydney
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