If any of your teeth need replacing, dental implants are the ideal solution. However, this is a more costly option than other tooth replacement methods. The majority of dental insurance firms only cover a tenth of the treatment charges for implants, or even less. Insurance policies tend not to cover surgical phase (implant placement) costs, but might cover part of the restorative phase costs. In such situations, policies will only offer reimbursement for crowns (tooth restoration) in the same way they do when normal teeth are repaired.
With an average cost of $4000 (and a minimum fee of $1500), lots of patients with missing teeth can not afford the luxury of dental implants. Here’s what you need to know to get yourself fully protected:
Understanding What Your Insurance Covers
Dental implants can improve your self esteem and oral health considerably, however you should be aware of what your specific treatment plan involves. In particular, you should know what your out of pocket expenses will be, prior to going ahead with the surgery. Of course, your insurance firm can explain what elements of dental implant surgery are included in your policy. Nonetheless, according to the AAOMS (American Association of Oral and Maxillofacial Surgeons), both dental and medical insurance might cover some aspects of your dental implant operation. This all depends on the type of procedure you need and your policy.
For instance, if there are medical complications arising from your tooth loss, your medical insurance could cover certain parts of the implant procedure. Dental insurance plan holders might discover that their plans cover crowns used to replace normal teeth in implants. Moreover, when implants are needed due to accidents, insurance policies that pay for injuries might cover dental implants.
Discuss the scope of your procedure with your dental surgeon. As well as the regular implant operation — where metallic posts are inserted into the jawbone, enabling them to fuse with the bone, and a crown is fitted onto the posts — you might need extra steps. Sometimes, a bone graft might have to be placed into your jaw, or some of your teeth might need extracting before a surgeon can fit the implant posts. In addition, you might need an anesthetic during your operation. These elements can increase the total fee, and insurance might not necessarily cover each part of the treatment.
The Cost of Dental Implant Insurance
Numerous insurance firms provide cover for dental implants, in conjunction with your standard dental insurance. Typically, premiums vary from one person to another, depending on variables like your present health status, the quantity of implants you have already, and whether you smoke. While researching insurance options for dental implants, compare the costs closely depending on what each policy covers. The factors listed below should be taken into account:
-Certain policies offer reimbursement for the restorative and surgical elements of the treatment, however this is capped at a predetermined amount for the year.
-As already stated, even if you take out an insurance policy, providers are unlikely to cover your total dental implant costs. Instead, they will probably pay a set rate for each type of treatment, or part of the total cost.
-If any of your teeth are already missing before you buy an insurance plan, check to see whether there are any terms excluding cover for treating preexisting conditions. If there are, your additional paid cover will be of no use for this purpose.
-Many insurance policies have an excess, or a certain amount you need to contribute, before they pay anything towards your treatment.
-Find out whether the plan covers post operative and preoperative procedures that might be needed (like bone grafting), or other dental issues that might arise from complications.
-Find out whether the insurance firm will pay the retreatment costs, in the event of a damaged implant.
-A further issue is the terms regarding the period you need to wait, prior to undergoing treatment. Opt for an insurance policy with no waiting period, or a waiting period that is shorter than the typical twelve months stipulated by most plans. This is vital, if you intend to undergo treatment in the near future.
How to get Dental Implants Covered by Insurance? – Final Thoughts
Coping with missing or decayed teeth has a negative impact on your mental and physical health, however you can avoid having to put up with this. Dental implants will restore your natural appearance. Regardless of whether implants are covered by your existing dental insurance policy, you can still take advantage of this cover in an affordable way. CleverPolicy offers dental insurance plans that significantly reduce the cost of root canal operations. Moreover, the firm allows customers to book low priced, preventive appointments every couple of months to stop this problem from returning. Preventative care is an effective way of avoiding the onset of serious problems that are expensive to treat. With a good policy, it does not cost much to visit a dental practitioner frequently. Moreover, you can save a lot of money over the long term, because you only have to pay a modest premium each month.