Does Insurance Cover Dental Implants?

Dental implants make smiling easy for people who are missing one or more of their natural teeth. An amazing alternative to dentures, implants are placed into the jawbone using a screw, where they attach themselves to the bone. Implants do not restrict activities in the same way that dentures can and they look so much better, too. The implants are not removable like dentures and do not cause problems with speech. There is little wonder why so many patients prefer them.

Sadly, the cost of dental implants is considerably more than the cost of dentures. Many people who would like to use implants are taken aback by the costs and stick to dentures instead. While a good set of dentures costs a couple thousand dollars, implants cost considerably more for a singular implant. Costs vary from one provider to the next but can cost as much as $2,500 each tooth. There Are discounts for multiple tooth implants, but it’s still a considerable amount of money if you need several implants.

This leaves many patients to wonder if their dental insurance coverage will pay for the cost of their implants. Most dental insurance plans do cover the costs of dentures, so many people expect the cost of implants to also be covered. Any amount of help certainly offsets the considerable costs of the implants. Unfortunately, the answer probably isn’t one that you want to hear, as most insurance policies disclude dental implants coverage. Implants are considered a cosmetic procedure, thus aren’t included in payment coverage.

Now, some of the procedures that you need to have performed to have the implants placed in your mouth may be covered under your insurance policy, so all hope is not lost. This includes X-Rays, extractions, bone grafting, etc. Each insurance policy is different, so be sure to read over your policy to learn what is and what is not covered. You can also talk to your insurance agent to learn more.

If your policy will pay for some of the procedures or even a percentage of the costs, it eases some of the burdens that you feel when it is time to pay for your dental care. It is worth the few seconds that it takes to find out what is included in your policy coverage. Everyone knows that dental care is expensive and that’s why we carry insurance, to begin with.

As new companies develop insurance companies and policies, this may change, however, and some specialty dental insurances may indeed provide coverage for dental implants. It is a wise idea to contact your agent to learn if the payment for implants is covered, just to be sure. You certainly do not want to spend the money on implants if your dental insurance will help cover some of the costs of the procedure.

Although dental insurance may not cover the costs of implants, dentists offer a few payment options to help offset the costs. Talk to the dentist about financing and other credit options to find out what is available to help. These options make implants much more affordable and easier for more people to obtain.