One of the greatest deterrents to getting dental implants is the cost. It is difficult to find a dental insurance plan that will cover this treatment, and unless your plan will pay for at least a portion of what the implants cost, you will either have to foot the entire bill yourself or forgo the treatment altogether. The following are reasons why insurance companies don't cover dental implants and what kind of options you have at your disposal.
Why don't insurance plans cover dental implants?
- Many people have plans or work with companies that formulated their plans before dental implants were even available.
- Most insurance plans only cover medical treatments, and not cosmetic procedures. Therefore, some plans will pay for implants if teeth were lost due to an accident, but not for those lost to infection or decay.
What kind of implant insurance is available?
- Some insurance companies will add dental implants to your plan if you pay a larger premium and wait at least 12 months for that part of the plan to go into effect.
- Even if your company agrees to insure implants, it won't cover teeth lost prior to the end of the waiting period after you begin paying the special premium.
What alternatives are there to implant insurance?
- If you need jaw surgery due to accident or disease, the surgery itself may be covered by Medicare or you private policy. Therefore, you will only pay for part of the implant procedure yourself.
- You can sign up for a discount dental treatment plan which requires you to pay a monthly fee, and then receive a discount when you decide to get the implants or undergo any other dental treatments.
- You can get implants in one jawbone at a time, or for several teeth at a time, paying for only what you can afford.
- You can ask your dentist to design a long-term payment plan, to allow you the full dental implant treatment in one set of appointments and surgeries, to be paid for over the course of months or years to come.
No matter who is paying for your dental implants, make sure your dentist gives you a complete quote for the cost – including medications, follow-up visits, and x-rays. Then, read the fine print in your insurance policy or discount plan to learn exactly how much of your treatment is covered. Once you decide on a payment strategy, a professional like those at Quality Dental Care can help you achieve a brilliant smile through dental implants!