Let’s just be honest for a second: talking about insurance is super boring.
But this is important, so we’re going to tackle the topic of dental implant insurance in an easy-to-understand way using regular people language.
Dental insurance policies vary, but many can cover most, if not all, of your dental coverage. When it comes to getting dental implants, you will want to know what could be covered.
Does Insurance Cover Dental Implants?
Even if your insurance policy states it will cover implants, it could have exceptions and exclusions that are not in the fine print. It’s best to contact your insurance company to double-check.
Dental Insurance That Covers Implants
Unfortunately, most dental insurance policies do not cover tooth implants because most companies categorize them as a “cosmetic procedure.” Although if you have gotten dental implants, you know that it’s more than just a cosmetic choice — it can be a life-changing and mouth-saving choice.
But on the upside, many insurance companies are beginning to see the importance of dental implants. They are starting to see the long-term health benefits of getting implants. As of right now though, it’s probably unlikely that your insurance company will cover the cost of dental implants. However, you can still file a claim in an attempt to get some sort of reimbursement.
If you need to get dental implants, your best option is probably using medical insurance, but even then, you will probably have some out-of-pocket expenses. Under many medical insurance plans, implants are considered essential in restoring the jaw for eating and speaking.
How To Find Dental Insurance That Covers Dental Implants
Finding the right dental insurance can be a little overwhelming, so here are some simple steps you can take to get you started.
Check Your Current Dental Insurance Policy
The best place to start when looking for insurance that will cover your dental implants is your current dental insurance policy. Look through all of the benefits to see whether or not it covers dental implants.
Tip: if it’s a digital copy of your insurance policy (which most companies can provide) use the “Find on this page” feature (use Ctrl + F on a PC or Command + F on an Apple computer). In the search box that appears, simply type “dental implants” and hit Enter and it will show you every place in the policy that mentions dental implants.
You should also check what your annual maximum is, which is the max amount of money your policy can pay each year. And as we mentioned before, you may be able to file a claim for a reimbursement, but this is also something you first look at in your policy.
When in doubt, call your insurance company and speak with a representative to get clarification.
Talk With Your Dentist
Your dentist is a great resource of dental-related info, including reliable dental insurance plans. They may be able to recommend plans that may cover your dental implants.
Indemnity Dental Insurance
There’s a type of dental insurance plan where you pay for your implants out of pocket and the insurance company reimburses you for the care. And usually, dentist can set up a payment plan with you in the interim. This type of insurance is called “indemnity dental insurance,” a “fee-for-service” plan, or “traditional dental insurance.”
With this type of plan, there are no exclusive networks or approved providers — you can visit any dentist. You pay a deductible on the policy and then the insurance company can cover part of the rest. Usually they will cover 50-80% of the “reasonable and customary” dental costs and then 100% of the preventative care.
Basically, after you get dental care, you submit the dentist bills to the insurance company for them to review. If approved, they will then reimburse some or all of your costs. Just make sure you know what the insurance company will cover before getting a dental implant as not every implant procedure may qualify for reimbursement.
Do a simple Google or Bing search for these terms and you should be able to find companies offering these plans.
Cost Of Dental Implants With Insurance
So once you find dental insurance, what will your dental implants cost after that?
Well, one dental implant can cost anywhere between $1,600 and $8,200 without any dental insurance. And of course, the amount will vary depending on how involved the surgery is, where the implant is being places, and the number of implants needed.
Those are scary numbers, and dental insurance may not cover much of the total amount. But because of the variances in policies and implant procedures, the best way to figure out what your dental implants will cost with dental insurance is to call your insurance company.
Another Way To Reduce Dental Implant Costs
Dental insurance and medical insurance are just two options for spending less on your dental implant procedure. But they are not the only option.
Dental Insurance Vs. Discount Dental Plans
So we’ve covered what dental insurance is, but another option is to get a discount dental plan (also called dental savings plans).
A dental discount plan covers specialty procedures, including dental implants. Through this type of plan, you can get a percentage off the total cost of your dental care while not being required to pay a deductible or work under a maximum. Plus, signing up involves no paperwork hassles, no health restrictions, no annual limits, and no waiting.
It’s important to note that dental discount plans are not dental insurance. Think of them more like a membership. You pay an enrollment fee and an annual membership fee and you get access to lots of discounts on different dental procedures.
How Much Do Dental Discount Plans Cost?
As a “member” of this “club,” you can pay as little as $97 per year for a Dental Discount Plan. These plans will typically give you discounts between 20% and 60% off.
How To Get A Dental Discount Plan
:DentalPlans is a website that allows you to select the right Dental Discount Plan for you. You simply enter your zip code, hit “Find My Plan,” and browse through the customized list of plans. This is one of the easiest ways to look through all of the best plans available.
So now you know how very expensive dental implants can be without insurance. But you also know how to find out if your dental insurance policy will cover your implants.
And, most importantly, you’re now aware of another money-saving alternative — a dental discount plan.