Does Dental Insurance Cover Implants?

Dental implants is one of the expensive dental care treatments in medicine. Usually, a single tooth implant can cost around $1000. So, if you are planning for a full set teeth implant, you can expect the cost to be as high as $30,000. Insurance companies include coverage for only those dental services in their policy plans, which generally come under routine maintenance, basic treatments and emergencies.

A dental implant insurance is a dental plan that covers some or most of the cost of a dental implant procedure. A dental implant procedure falls into the category of cosmetic procedure and is one of the costliest treatments. If you are looking for a dental implant insurance, the premium amounts that you pay will be generally high.

Dental insurance that covers implants is quite rare to find and it completely depends on the type of individual policy that one has signed into. In certain cases, people suffer missing all their teeth due to fatal injuries or other health issues. As a result, medical complications may arise, which might demand dental implants as a medical necessity.

Factors That Are Affecting The Cost

Cost And Factors Involved

Single Tooth Implant Cost

Cost Of Additional Procedures

Multi Implant Cost

Dental Implant Cost By Country

Dental Implant Insurance Coverage

Most of the dental insurance policies do not cover dental implant procedures because of the high cost. Even if a patient gets the claim approved, it would be a negligible amount, meaning that the financial help is minimal.

However, patients can still deal with the costs by getting finances through third-party companies, with whom the dental hospitals are generally tied up with.

Before you sign a policy, make a thorough discussion with your dentist to compare all of the available options.

Remember that all insurance plans do not cover dental implant procedures as it is considered as a cosmetic procedure. However, some insurance policies offer an additional dental implant insurance rider, which might demand you to pay extra money every month.

If you are planning to go for dental implants, ensure that you would be eligible for this coverage. Check This out - Are There Dental Insurance With No Waiting Period Available?

Any alternatives?

Dental implant insurance coverage limitations

If your insurer says that the plan covers dental implant insurance, ensure that there are no hidden exceptions or exclusions which might later put you into trouble. Even if there are any exclusions, insurance companies do provide benefits for which you might be eligible.

If you can categorize your implant procedure as a ‘restoration’ rather than an implant procedure, you are at a higher chance of getting your claim approved. This is because, most of the dental insurance companies support restoration procedures.

Therefore, if you are planning for dental implants, try to approach your insurer with well documented papers that prove it to be a as a restoration procedure. If your insurer does not support even the restoration procedures, then you need to bear the expenses from your pocket and partly taking the help of third party financiers or dental discount plans.

Complete Dental Financing Plan

Finding Cheaper Alternatives

Dental Tourism

Dentistry Schools

Complete List of Schools That Offer Dental Implants

Customer Experiences

According to customers’ experiences, it can be understood that dental implant coverage through insurance is quite a tough task.

According to Chris Redden, one of the dental implant insurance policy holders, it was very difficult to get the claim approved.

Chris got his bone graft done and claimed the insurance company, which was later approved 100%. However, the dental implants were a part of the treatment and it was the final step for the graft procedure.

It was a medical necessity as the implants keep the bones healthy and stable, thus improving the chewing and eating capabilities. However, the claim for the implants part of the cost was rejected.

Another customer Hans Frederick too had tough time with dental implant insurance policy with Delta Dental Insurance Company. Initially, he was approved 100% when he underwent extraction procedure.

After a year, while he was still undergoing the treatment, he got a notice stating the approval has been rescinded and that both the patient and the dentist owed money to the company. Moreover, the company denied to make further payments for upcoming procedures.

These cases clearly show that the insurance companies stand firm on their decision as they might be at a loss due to heavy priced treatments. Just like any other businesses, insurance companies also run their business for profits.

Hence, you need to be very careful about the exclusions, extra benefits, hidden terms and conditions, documentations, alternate approaches for claims etc. before you finalize a dental insurance plan. You need to clear all your doubts with both the insurer and your dentist as well.

Conclusion

Your primary source of information for dental implants would be your dentist who would be treating you with the procedures. Implant procedures are very costly and it is very difficult to get the claim approved through dental implant insurers.

Hence, based on our personal case, your dentist can guide you with the best policy or any other alternatives that can give you best benefits. If you need to go for a prolonged treatment which cannot be supported by any dental insurance plan, you can still have other alternatives like dental discount plans or third-party financiers.

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