Last Updated on December 10, 2019
It’s about that time. You could really benefit from a dental implant procedure. But you’re scratching your head, wondering if dental implant insurance is going to help at all.
There’s some good news and some bad news. Get ready, because here is the bad news:
Most insurance policies don’t cover dental implants.
Fantastic, but what’s the good news? Well, with the right research, you may be able to find a great deal of help in covering the costs of your implant surgery.
Ready to learn more? We’re here to help you venture through your different options.
The Real Deal With Dental Implants & Insurance
So, why aren’t dental implants covered under most dental insurance policies? It’s because most of these companies consider teeth implants as “cosmetic procedures.”
But here’s the thing, dental implants can be more than just “cosmetic.” They can actually be life-changing procedures that greatly increase your health. And insurance companies are starting to realize this.
That’s right, insurance companies are starting to consider just how important dental implants can be. Your long-term health can reap the benefits of having this procedure performed. We may start seeing changes to policies very soon.
But for now, it’s unlikely that your insurance will foot the bill of your entire dental implant surgery. This doesn’t mean that you can’t file a claim though. This will be your chance to see if you can get any sort of reimbursement.
So, what’s your best dental implant insurance option? Your best bet is to use your medical insurance. But why? It’s because many medical insurance plans consider dental implant surgery as essential. Essential to what, though? Essential to restoring your jaw for more efficient eating and talking. However, it should be noted that you will probably still end up paying some money out-of-pocket for your implants.
How To Find Coverage For Dental Implants
Not the best news so far, right? Well, hopefully, this section can turn things around. We’re going to show you the steps you can take towards getting your implants covered. Keep reading to figure out how to increase your chances of saving money.
Check Your Present Dental Insurance
Every insurance plan is a little different. You may find some great help in your current policy. You’ll need to pay attention to details to find your best benefits.
Do you have a digital copy of your insurance plan? If you do, we have a great tip for you. Just pull up your policy, and use the “Find on this page” option. You can hit “Ctrl+F” on a PC, or “Command+F” on an Apple, and this will bring up the “Find” option. After that, just type in “dental implants.” These terms will be highlighted in your policy for you. It beats reading through the entire document.
Be sure to look into your annual maximum as well. This is the max amount of money that your policy will cover in a year. Be sure to check reimbursement policies too.
Uninterested in going over your policy by yourself? Just grab a phone and contact an insurance representative. He/she will be able to help you find the answers you’re looking for in dental implant coverage.
Talk To Your Dentist
Sometimes it’s best to go straight to the professional for answers. This is the person whose work-life is devoted to your teeth. Your dental professional may be able to recommend some great options for dental implant insurance.
Indemnity Dental Insurance
What exactly is this? It’s an insurance plan that specializes in reimbursement. Let us explain in further detail…
First, you would end up paying for your dental implants out-of-pocket. Keep in mind that your dentist may be able to set up a payment plan with you. After you’ve received your dental care, just send your bills to the insurance company. They will then do a review, and decide your reimbursement situation. This plan usually covers 50%-80% of “reasonable and customary” costs. And 100% of preventative care.
Be sure to do a little research into how much of the procedure will be covered by the insurance company. It’s worth searching online for companies that offer plans for dental implant surgery.
Dental Savings Plan
The dental insurance and medical insurance are 2 basic options for saving money on your dental implants. But having a dental savings plan is another option. What are the benefits of having a savings plan?
For starters, you can get a certain percentage knocked off of your total dental costs. Also, you won’t have to pay for any kind of deductible. There’s no maximum to work under, either. But how difficult is it to sign up for a savings plan? It’s not difficult at all. There will be no hassling paperwork to go through. There are also no health restrictions, annual limits, or waiting. A savings plan can be a real game-changer.
How Much Do Dental Implants Cost?
Let’s first assume that you won’t be using any sort of insurance. One implant can cost anywhere from $1,600-$8,200. The big range is due to the different factors. How involved is the surgery? Where is your implant placed? How many implants will you need altogether? These questions play a huge role in the total cost.
But you plan on having some type of dental implant insurance coverage, right? As we’ve demonstrated so far, it’s hard to tell just how much coverage you can receive. That’s why it’s best to do as much research as you can before jumping the gun.
See? It’s not all bad news after all. Most insurance policies won’t cover the costs of a dental implant procedure. But things are starting to look up. Insurance companies are starting to realize the importance of dental implants for your health. With the right amount of research, you can get help with dental implant insurance. Your mouth is worth fighting for. And we hope this article helps you win the war in the long run.