Dental Insurance Covering Implants

Dental implants have become an increasingly popular solution for missing teeth due to their durability and natural appearance. However, the cost of dental implants can be a significant expense for many patients. Luckily, dental insurance can help cover the costs of dental implants. In this article, we will discuss how dental insurance can cover implants, what types of insurance plans cover implants, and common questions about dental insurance and implants.

How Dental Insurance Covers Implants

Most dental insurance plans cover implants, but every plan is different. Generally, dental insurance will cover a percentage of the cost of implants, with the remaining balance being paid by the patient. The percentage covered by insurance can be anywhere from 50% to 100% of the cost of the implant.

It is important to note that dental insurance will only cover the cost of the implant itself, not other associated costs like anesthesia, x-rays, or consultations. These costs will need to be paid out of pocket by the patient, and may not be included in the 50% to 100% coverage for the implant.

Additionally, many dental insurance plans have a yearly maximum coverage amount, which means that once the maximum amount has been reached, the patient will need to pay for any additional dental costs out of pocket.

Types of Insurance Plans That Cover Implants

There are a few different types of dental insurance plans that may cover the cost of dental implants:

1. Indemnity Plans: These plans allow patients to see any dentist they choose and will cover a percentage of the cost of the implant.
2. Preferred Provider Organization (PPO) Plans: These plans require patients to choose a dentist from a network of approved providers. These plans may also cover a percentage of the cost of the implant.
3. Health Maintenance Organization (HMO) Plans: These plans require patients to choose a primary care dentist from a network of approved providers. HMO plans may have limited coverage for implants.

It is important to check with your dental insurance provider to see what type of plan you have and what percentage of the cost of implants is covered.

FAQ About Dental Insurance and Implants

1. How long does it take for insurance to cover the cost of dental implants?

Most dental insurance plans have a waiting period of 6 to 12 months before they will cover the cost of implants. Some plans may require a longer waiting period, so it is important to check with your insurance provider.

2. Will insurance cover the cost of multiple implants?

Yes, dental insurance will cover the cost of multiple implants if they are necessary for the patient’s dental health. However, the coverage percentage may be lower for multiple implants than it is for a single implant.

3. What if my insurance plan does not cover the cost of implants?

If your insurance plan does not cover the cost of implants, there are other options to consider. Some dentists may offer financing options or payment plans to help make the cost of implants more manageable. Additionally, there may be dental discount plans available that can help reduce the cost of implants.

4. Are there any restrictions on who can get dental implants covered by insurance?

Most dental insurance plans do not have restrictions on who can get dental implants covered. However, some plans may require a pre-authorization or a medical necessity statement from the dentist before they will cover the cost of implants.

5. How do I know if my dentist is covered by my dental insurance plan?

Most dental insurance plans have a list of approved providers that patients can choose from. It is important to check with your insurance provider to see if your dentist is on the list of approved providers.

Conclusion

Dental implants can be a costly dental procedure, but dental insurance can help make them more affordable. Understanding how dental insurance covers implants, what types of insurance plans cover implants, and common questions about dental insurance and implants can help patients make informed decisions about their dental health.