Dental Implant Insurance: Everything You Need to Know

If you’re considering getting dental implants, it’s important to understand how dental implant insurance works. Many people are unsure of whether or not their insurance covers the cost of dental implants. In this article, we’ll go over everything you need to know about dental implant insurance, including what it is, what it covers, and how to find the right plan for you.

What is Dental Implant Insurance?

Dental implant insurance is a type of insurance that is designed to cover the cost of dental implants. Dental implants are a popular alternative to dentures, as they are permanent, comfortable, and look and feel like natural teeth. However, dental implants can be expensive, and many insurance plans do not cover the cost of the procedure.

With dental implant insurance, you can get coverage for the cost of dental implants, as well as any associated procedures, such as bone grafts or sinus lifts. This type of insurance is usually offered as an add-on to a standard dental insurance plan, and is not typically included in the basic coverage.

How Does Dental Implant Insurance Work?

Like most types of insurance, dental implant insurance works by paying a monthly premium in exchange for coverage. The amount of the premium will depend on the coverage you choose and the provider you choose.

When you need to get dental implant surgery, you will typically need to pay a deductible before the insurance kicks in. The deductible is usually a set amount that you pay out of pocket before the insurance starts covering the cost of the procedure.

Once you have paid the deductible, the insurance will cover a percentage of the cost of the procedure, often up to a certain maximum amount. For example, your insurance might cover 50% of the cost of the procedure, up to $2,000.

What Does Dental Implant Insurance Cover?

The exact coverage provided by dental implant insurance will vary depending on the plan you choose. However, most plans will cover the cost of the dental implant itself, as well as any associated procedures, such as bone grafts or sinus lifts.

Some plans may also cover the cost of the crown, which is the portion of the implant that looks like a natural tooth. However, this is less common, as the crown is often considered cosmetic and not medically necessary.

How to Find the Right Dental Implant Insurance Plan

1. Check With Your Employer

If you have dental insurance through your employer, check with them to see if they offer dental implant insurance as an add-on. Many employers offer this type of coverage, as dental implants are becoming more popular and are often seen as a worthwhile investment in employee health.

2. Look Into Standalone Plans

Many insurance companies offer standalone dental implant plans that you can purchase separately from your regular dental insurance. These plans may offer more comprehensive coverage for dental implants, but are often more expensive than add-on plans.

3. Compare Quotes

When looking for dental implant insurance, it’s important to compare quotes from multiple providers. This will help you find the best coverage at the most affordable price.

Be sure to read the fine print and understand exactly what is covered under each plan, as well as any exclusions or limitations that may apply.

Dental Implant Insurance FAQ

Q: Is dental implant insurance necessary?

A: Dental implant insurance is not necessary, but it can be helpful if you are considering getting dental implants. Without insurance, the cost of the procedure can be prohibitively expensive.

Q: How much does dental implant insurance cost?

A: The cost of dental implant insurance will depend on the coverage you choose and the provider you choose. However, you can expect to pay a monthly premium, as well as a deductible and coinsurance.

Q: Does dental implant insurance cover the cost of tooth extractions?

A: Dental implant insurance typically does not cover the cost of tooth extractions, as this is considered a separate procedure. However, your regular dental insurance may cover the cost of extractions.

Q: How long does it take to get dental implant insurance?

A: The application process for dental implant insurance is usually quick and easy. Once you submit your application, you can expect to receive a decision within a few days.

Q: Can I get dental implant insurance if I already have dental insurance?

A: Yes, you can usually get dental implant insurance as an add-on to your existing dental insurance. However, you may need to meet certain eligibility requirements, such as having good oral health or not having any pre-existing conditions that would make you ineligible for coverage.

Conclusion

If you’re considering getting dental implants, it’s important to understand how dental implant insurance works. While it’s not necessary, dental implant insurance can be helpful in covering the cost of the procedure and associated expenses.

When looking for dental implant insurance, be sure to compare quotes from multiple providers and read the fine print to understand exactly what is covered under each plan.