Dental Costs: Does Insurance Cover Dental Implants?

Posted on: 16 December 2016

If you are contemplating getting dental implants in order to revive your smile, one of the first things you need to consider is how you plan to pay for it. Dental implants are part of a major surgical procedure that also includes personalized orthodontia. This process is not cheap at all. You may be thinking that your dental insurance coverage will help offset some of the costs of this procedure. However, that is not often the case. The following is some information about dental implants, insurance coverage, and how you can pay for them:

Will Dental Insurance Cover Dental Implants?

In most cases, no it will not. Dental implants are considered elective procedures, many of which are not covered. Dental plans include basic care, such as routine cleanings. Intermediate care is also part of dental plans, which include fillings and extractions. The major care component of dental plans cover things like root canals and crowns. Because dental implants are so exhaustive, there is no coverage for them in most dental plans. If you have an orthodontia component to your plan, you may be able to offset a very small portion of the costs, but you will be held responsible for the bulk of the procedure.

What Are Some Ways To Pay?

There are a number of ways you can pay for your dental implants. One of the easiest things to do is get an estimate from your provider and begin saving for it. This option can take some time, but it may be the least expensive option if your provider provides a discount for cash payment in full.

You can also have the procedure done in stages. Each implant is priced individually. If you need five implants, opt to have one implanted at a time so that your dental costs are lower.

You may also want to ask your provider if they offer any form of dental credit coverage. You will have to apply and be approved in order to use this option. There are typically service charges and interest fees with this type of coverage, but it can help you get your entire procedure complete at one time.

Is There Any Circumstance That Insurance Will Cover Implants?

While there is no coverage available for implants in most cases, there are a few circumstances in which it may. If you have a premium dental insurance plan, you may be able to cover a larger portion of your costs. These premium plans can offer a much higher limit in annual coverage that you can utilize for some of your implant costs.

Also, if you have experienced any trauma that caused your to lose your teeth, you may be able to utilize your regular medical insurance coverage to pay for your implants and other procedures needed to restore your teeth. Contact a company like Silverstone  Family Dental to learn more.