Would our teeth straighten, whiten, and clean without dental insurance? For many patients, dental insurance is a reliable payment option for oral health. It covers preventative, restorative, and diagnostic measures such as cleaning, tooth sealants, fluoride treatments, and X-rays. Dental insurance will cover basic surgical procedures like tooth extractions and fillings. It covers pain relief emergency care too. Since there’s no mention of dental implants, is it in the policy as a basic surgical procedure by default?
Most dental insurance companies do not cover dental implants because those companies view it as a cosmetic procedure. Sadly, most patients who need dental implants aren’t doing so to improve their appearance but to replace missing or decayed teeth. In fact, most dental insurance companies do not cover major dental procedures. Always check your dental insurance policy and talk to the dental insurance representative for dental implant coverage options. Out-of-pocket payment, policy limits, and coverage cost limits are a possibility depending on the answers discovered. It’s normal for a dental insurance company to cover a portion while the patients cover the rest. It’s likely that the portion covered is the crown, not the implant holding the crown in place. Paying dental implant procedures in full is rare.
Understand the keyword here is “most.” If the dental insurance provider doesn’t cover partial or full cost of dental implants, don’t despair. Alternative workarounds to receive dental implants are available. Some dental insurance providers are incorporating dental implants in the policy, so switching to a different insurance provider is a possibility. Although out-of-pocket expenses may occur, the health insurance policy could cover dental implants, so thumb through the policy for answers. A third option is using the dental office’s insurance recommendations or payment plans. The doctor understands the implant’s value to a person’s long-term oral health. Talk to the dentist about payment options and find a plan fitting both the dental and the patient’s financial situation together. A fourth option is indemnity dental insurance. The patient pays for the procedure out-of-pocket, submits the bill to the insurance company, and the company reimburses some, most, or the entire bill.
In closing, dental implant coverage depends on the policy, deductible, severity of the surgery, oral history, and reasons for the implant. Never walk into a dentist’s office assuming your dental insurance covers every aspect of oral health. It doesn’t. Know where you stand and how to solve it before accepting dental implant treatment.