Affordable Dental Implant Insurance & Financing in Lakewood, WA
Expert Tooth Restoration by Dr. Kevin Kim, DDS | Serving Lakewood, JBLM, Steilacoom & Tacoma
Restoring your smile with dental implants shouldn’t feel financially overwhelming. At Kim Dental Implants, Dr. Kevin Kim, DDS, and our team combine 20+ years of advanced implantology with straightforward, transparent pricing.
Whether you have employer PPO coverage, military/federal dental benefits through JBLM, or zero dental insurance, we work with you to make full-arch, single-tooth, and restorative implant procedures fit your monthly budget
Open Monday–Thursday 7 a.m. – 5 p.m., Friday 7 a.m. – 2 p.m.
Conveniently located at 6001 100th St SW, Lakewood, WA 98499 (Just off SR-512 by Lakewood Towne Center)
Maximize Your Dental Benefits: PPO & Federal Networks We Accept
Dental insurance policies can be complex, but we simplify the entire process. Our Lakewood front-desk team verifies your exact benefits, files claims on your behalf, and helps you optimize annual maximums to minimize out-of-pocket expenses.
Major In-Network & PPO Providers Accepted:
Military & Federal Employee Plans: GEHA, United Concordia, MetLife Federal (Proudly serving service members, dependents, and veterans commuting from JBLM North & Main Gates)
Regional & Major Commercial PPOs:
Delta Dental (Premier & PPO)
Premera Blue Cross & LifeWise
UnitedHealthcare Dental
Cigna Healthcare
Aetna Dental
Guardian
Principal Financial Group
Sun Life Financial
Mutual of Omaha & Colonial Life
Please Note on State Coverage: While our office does not participate in state Medicaid/Apple Health programs, we offer guaranteed-approval financing (iCare) and flexible installment options so every Lakewood patient can receive top-tier implant treatment without delays.
Need to See a Dental Implant Expert?
Wondering what your plan covers for custom crowns or dentures?
Restorative procedures often qualify for significant PPO coverage. Request a complimentary insurance pre-check before your visit.
How Does Dental Insurance Cover Implants?
| Benefit Category | Typical Plan Coverage | Does It Apply to Implants? |
|---|---|---|
| Preventive Care | 80%–100% covered | Diagnostic exams and routine cleanings around natural teeth. |
| Basic Services | 70%–80% covered | Extractions, emergency pain relief, and preliminary fillings. |
| Major Services | Up to 50% covered (plan-dependent) | May cover the restorative crown, bridge, or abutment, even when the surgical implant itself has specific plan limits. |
Understanding Key Insurance Terms Before Your Visit:
Deductible: The fixed out-of-pocket amount required by your plan before insurance begins contributing.
Coinsurance: The percentage of the procedure fee you pay after meeting your deductible.
Annual Maximum: The maximum dollar amount (usually $1,000–$2,500) your insurance will pay within a single benefit year. We frequently stage multi-phase implant treatments across benefit years to maximize your coverage.
No Insurance or Out-of-Pocket Copays? 4 Flexible Financing Options
High-end dental restorations shouldn’t depend on having pristine credit or commercial dental insurance. We partner with top healthcare lenders to provide low-interest, extended-term, and no-credit-check solutions:
iCare Financial — 100% Approval, No Credit Check
Ideal For: Patients rebuilding credit, self-employed workers, or those without traditional PPO insurance.
Zero Hard Inquiries: Guaranteed approval directly through our Lakewood office—no third-party lender rejections.
Manageable Installments: Easy, fixed monthly payment schedules.
Ideal For: Single implants, bone grafts, extractions, and crown copays.
Key Benefits:
Instant 30-second digital application via smartphone.
Soft credit check only (does not impact your credit score).
0% APR promotional options available with zero deferred interest.
Ideal For: Out-of-pocket deductibles, elective implant upgrades, and routine maintenance.
Key Benefits:
Dedicated medical line of credit accepted nationwide.
6- to 24-month deferred interest plans on qualifying treatment totals.
Immediate decisions online or at our check-in desk.
Proceed Finance — Low-Rate Extended Loans for Major Restorations
Ideal For: All-on-4®, full-mouth dental implants, and complex surgical reconstructions.
Key Benefits:
Loan amounts up to $75,000 with flexible terms up to 96 months.
Competitive fixed interest rates designed specifically for major surgical procedures.
Enables patients to lower their monthly payment to an accessible, predictable amount.
All Payment Methods Accepted
We accept all standard payment methods at our Lakewood clinic:
Credit & Debit Cards: Visa, MasterCard, Discover, American Express
Contactless & Mobile Wallets: Apple Pay, Google Pay, Samsung Pay
Traditional Payments: Cash, Personal Check, Cashier’s Check
Online & Digital Billing: PayPal Checkout
The Kim Dental Implants Promise: Transparent Pricing & No Surprise Bills
Navigating treatment estimates should never involve hidden fees. Before Dr. Kim performs any procedure—from 3D CBCT scans to final custom crown placement—we provide a written, itemized financial roadmap.
No-Surprise Billing
You will always know your exact estimated insurance contribution and your out-of-pocket responsibility before treatment starts.
Comprehensive Care Under One Roof
Dr. Kim handles surgical placement, bone grafting, and final restorative prosthetics right here at our 100th St SW clinic, saving you the expense and hassle of visiting separate outside specialists.
Affordable Emergency Dental Care
Severe tooth pain or damaged teeth shouldn’t wait. We provide prompt emergency appointments with rapid financing access
Frequently Asked Questions (FAQ)
Does insurance cover dental implants in Lakewood, WA?
While policies vary, most major PPO plans (including Premera, Delta Dental, GEHA, and MetLife) cover the restorative portions of an implant, such as the custom crown or abutment (typically 30% to 50% under major services). Our front desk provides a complimentary pre-treatment insurance check before your appointment to verify your exact coverage.
What financing options are available if I do not have dental insurance?
We provide four distinct payment solutions: iCare Financial (guaranteed 100% approval with no credit check), Cherry (soft credit pull with zero impact on your credit score), CareCredit (low- or no-interest promotional terms), and Proceed Finance (extended terms up to 96 months for full-arch implants).
Do you accept military dental plans near Joint Base Lewis-McChord (JBLM)?
Yes. Our office is located just minutes from JBLM North and Main Gates. We routinely work with military families and federal personnel using plans like GEHA, United Concordia, MetLife Federal, and Delta Dental.
Can I get dental implants if I have credit challenges?
Yes. With iCare Financial, you can establish an affordable, in-house monthly installment plan directly with our office. There is no credit check, no third-party lender denial, and 100% instant approval.
Where is your Lakewood dental office located?
Our office is located at 6001 100th St SW, Lakewood, WA 98499, just off Highway 512 near Lakewood Towne Center and South Tacoma Way. We proudly serve patients from Lakewood, Steilacoom, University Place, Tillicum, and surrounding Pierce County communities.
Take the Next Step Toward a Confident, Permanent Smile
Don’t let insurance confusion or out-of-pocket concerns delay your health and comfort. Schedule an implant consultation with Dr. Kevin Kim, DDS, and let our team map out a personalized, budget-friendly treatment plan for you.
Call Us Directly: 253-398-9122
Office Address: 6001 100th St SW, Lakewood, WA 98499
Hours:
Monday – Thursday: 7:00 a.m. – 5:00 p.m.
Friday: 7:00 a.m. – 2:00 p.m.
Saturday – Sunday: Closed