Best Insurance for Dental Implants
Insurance For Dental Implants
Dental Insurance for Dental Implants
Cost of Dental Implants With Insurance
Tooth implants are a costly investment and often exceed an individual’s budget. Generally the dental implant cost is about $1,000 per tooth. If you are currently covered by a dental plan, it is more than likely that dental implants will not be covered. Most insurance plans do not cover this procedure and the ones that do are very expensive. If you are considering getting implants then it would be worth the cost to invest in insurance that will cover it.
Affordable Dental Insurance For Dental Implants
Insurance plans were established far before dental implants became a popular procedure. If you currently dental implant insurance than it probably won’t be enough to even pay for most of the procedure. Depending on the policy, it will most likely only cover an emergency treatment. Also note that some implant dental insurance may only be offered as an addition to your current policy. Always ensure that you are familiar with what you are covered for and don’t make assumptions as you may get stuck in disappointment.
It’s always a good idea to ask for assistance from your insurance provider to help you file a claim. This is because they will help you fill out the claim correctly and ensure you have all required information included with your claim. If you had implant done because of an accident or an injury to your mouth, your records may be an important factor to determine whether your insurance provider will cover your expense.
Does My Dental Insurance Cover Tooth Implants?
The main reason why dental implant insurance may not be covered by your provider is because it is often looked at as a cosmetic dentist procedure . It is often a good idea to discuss with your dentist about the costs involved with an implant procedure with out insurance coverage as you be able to plan your financial situation in terms of payment and financing options.
It would be advised to look into your medical plan for implant dental insurance as some policies may cover certain procedures and implant work. If jaw reconstruction is required to improve function in your moth to eat and drink, than your plan may cover this.
Dental implants allow the person to “feel” what they are biting into so that in effect, they feel as if they have their own teeth. When people have their own teeth, they can easily control the amount of biting pressure they are putting into their food, whereas a full denture wearer no longer has that sense, making it very difficult to control.
Another reason for implants may be the loss of teeth due to an accident. Granted, if the tooth is replaced quickly enough, it may “take” but sometimes too much time has elapsed, and the tooth cannot be re-affixed. Implants can actually make up for that tooth loss, and will be indistinguishable from the rest of your teeth. It is a type of surgery that attaches or “roots” the implant into the bone tissue where your natural tooth was located. Chances are that after the surgery heals, you may not even be aware that it is not your natural tooth.
Implants are extremely costly. No “regular” dental insurance covers the high cost of such procedures, and worse yet, many regular dental plans determine that any implants are considered a cosmetic procedure. Thus, some insurance companies have now created dental implant insurance to cover for such procedures.
Dental Implantation Limitations With My Insurance
There are various limitations put on most of these dental implant insurance policies. For instance, there may be a waiting period as high as one year, or sometimes even longer, before you are allowed to have surgery for an implant. Some policies will not allow implants if you had the condition prior to purchasing the insurance policy.
Therefore, it behooves you to be extremely careful when considering such a policy. Read it thoroughly, and be sure to question anything that you feel you do not understand. The person who is your dental insurance agent should be able to answer any of your questions.
Pay special attention to dental plan riders. Many do not cover implants because the insurance company may feel that there are other lower cost alternatives to an implant. Verify that this kind of rider is not included in any dental policy that you are seriously considering.
Now, even if you have dental implant insurance, you will find that it still will not pay for the entire cost of the procedure. You will have to take some financial responsibility for dental implants. Chances are that there will be a high co-pay involved, or perhaps your insurance will only pay a certain percentage against the cost. The other manner in which this is handled is that sometimes you will have to meet a certain deductible prior to requesting dental implants.
Of course you should expect that any dental insurance that covers implants would have substantially higher payments. On rare occasions, a dental plan will offer dental implant coverage through an employer.