Many insurance companies consider dental implants to be a cosmetic procedure and therefore medically unnecessary, and thus do not cover them. But those with missing teeth understand the importance of replacing them for their overall health and wellbeing. Most dental insurance plans offer extensive coverage for basic preventive care and some for restorative treatments, but they tend to primarily cover the least expensive service that will address a particular oral health issue. For instance, dental insurance is likely to cover up to 50% of the cost of dentures or bridges, but it is unlikely to extend that same coverage to dental implants, as this involves oral surgery.
If your medical and dental insurance plans offer coverage for dental implants, the benefits of each can be combined to minimize your out-of-pocket costs. That said, your plan may very well cover some aspects of the dental implant process, even if it doesn't cover the implants themselves or their surgical placement. We can take advantage of this fact to your advantage if you have a maximum annual limit: starting dental implant restoration at the end of the year and completing it early the next year. Getting clear answers about what health insurance and dental coverage cover can be confusing, especially for specialized procedures such as dental implants.
If you're worried that you won't be able to afford them, don't hesitate to talk to your dentist or periodontist. This means that you shouldn't have to pay the cost of replacing a bridge or denture every few years, saving you even more money over time. It is common, for example, for insurance to partially cover the crown, bridge, or dentures that are placed on the implants. The process of placing dental implants is usually lengthy because they are a permanent solution for missing teeth that can last a lifetime.
Don't be afraid to use the word “specialty” when talking with your insurance company, as this term reflects the cost rather than the intensity of the treatment. The staff at Smile Dental Group will work with you, your dentist and your insurance company to provide you with the best treatment for your needs and budget.