Dental Implant Insurance
Having dental implant insurance is the best way to reduce the amount you have to pay for replacing missing teeth with dental implants. When talking about dental implant insurance, we refer to dental insurance that covers the cost of both the surgical and restorative phase of dental implants or at least a good part of it.
Does Dental Insurance Cover Dental Implants?
Implants are usually more expensive than other methods of tooth replacement, and most dental insurance providers typically cover none or less than 10 percent of the treatment fees.
Do You Have Dental Implant Insurance Coverage?
You must be aware that having a good dental insurance does not guarantee that you have any coverage for getting dental implant surgery. Various terms may exist in your dental insurance policy that exclude dental implants either directly or indirectly. You may be certain that you have dental implant insurance coverage only if dental implants are stated clearly in your policy as a covered treatment. You should always research your dental implant insurance coverage before deciding implant surgery, unless you are prepared to cover the costs yourself.
The following terms may exclude dental implants from your insurance coverage:
If any of the above terms appears in your dental insurance policy, it is highly possible that you will have to pay the full cost of dental implants on your own (or at least the bigger part of the cost).
It is very important to check your policy and find out if you actually have dental implant insurance coverage before planning any implant surgery, unless you are able to pay for the full dental implant cost from your own family budget.
How to get some benefits for dental implants from dental insurance
In some case it is a mistake made by dentists and patients who do not submit claims for any of the treatment costs because they assume incorrectly that a dental insurance plan does not reimburse any implant costs at all when there may be some benefit available.• Partial coverage of restorative phase
Although your dental insurance plan might not cover dental implants, it might still possible to get some level of reimbursement for your dental implants expenses. Many insurance policies exclude the costs of the implant placement (surgical phase) but may cover some of the costs associated with the restorative phase as part of the plan's prosthetic coverage. In this case the dental insurance will provide reimbursement for restoring the implant with a crown in a manner similar to that in which natural teeth are restored.• Specific case coverage
Some dental insurance providers will accept to cover the cost of dental implants in certain cases only. The most usual case covered is that of a single implant used instead of a three-teeth bridge.
The cost of dental implant in this case is not significantly higher than the bridge,
and the long term potential costs for the provider may be actually lower if the implant is preferred.
To receive the maximum reimbursement, the implant dentist must follow carefully the procedures outlined by the insurance provider and be clear about the case and the need for implant restoration. If the dental insurance provider's claims reviewer is clear about the need for the treatment and the appropriateness of the case, many insurance companies will provide some benefit at least for the restorative part of treatment. Dental implant insurance coverage is the only way for many patients to handle the expensive dental implant treatments and improve their quality of life for the rest of their lifetime.
more articles about