Many insurance companies consider dental implants to be a purely cosmetic procedure and are therefore not medically necessary and do not cover them. However, anyone with missing teeth knows that replacing missing teeth is critical to their overall health and wellbeing. Some dental insurance will cover parts of your dental implant procedure, but the details will depend on your individual plan. You may find that your policy doesn't cover all of the costs related to placing an implant, so you have to pay a large part of the bill.
Dental insurance is ideal for covering and protecting patients from the costs of preventive care, such as cleanings and x-rays, but that's about it. Cleaning and maintenance are usually paid twice a year, along with other procedures, such as occasional filling. Dental implants are often defined as “cosmetic” and the vast majority of insurance plans simply don't cover cosmetic dentistry. If you're considering getting dental implants, it's important to understand the cost of the procedure and the potential benefits of having dental implant insurance.
Without dental implant insurance, you may face a significant financial burden. Dental insurance policies can help cover the cost of the dental implant procedure and related procedures, such as bone grafts, if needed. A flexible spending account (FSA) or a health savings account (HSA) are tax-advantaged savings accounts that you can use to cover the costs of your dental implant procedure. Dental implant insurance is a type of policy designed to help cover the cost of dental implants and related procedures.
In addition, dental implants keep your jaw strong and healthy, helping you avoid the costs of treating oral health problems related to jaw loss. When dental implants first became widely available, the costs were so extraordinarily high that most dental surgeons didn't offer them. Asking about savings plans and discounts can be a useful option, especially if you're concerned about paying for the potentially high cost of dental implants. For example, dental insurance is likely to cover up to 50% of the cost of dentures or bridges, but they are unlikely to extend that same coverage to dental implants.
The purpose of this publication is simply to help people who are interested in getting dental implants and want to understand how having insurance can affect the cost. We recommend that you schedule a free consultation with me and my staff at The Dental Implant Place in Fort Worth, TX, if you are interested in dental implants. When it comes to finding out when and if a plan covers dental implants, it can often be confusing even for people who know their benefits well. Because the details may vary from plan to plan, you should definitely check with your specific provider to find out if your medical or dental plan will cover dental implants.
It's important to remember that even if you have an insurance plan that covers some or all of your dental implant procedure, there may be certain conditions that could void your coverage. For example, if you were missing a tooth before you purchased your plan and then you decide that you want a dental implant to replace that tooth, that pre-existing condition may void your coverage for that procedure. Dental implant insurance can be an invaluable tool for those looking to replace missing teeth with a permanent solution. It's important to understand how your individual plan works so that you can make an informed decision about whether or not it's worth investing in this type of coverage.
Leave Message