Dental implants are the highest quality tooth replacement option available in dentistry. Through surgical implantation in the jaw bone, dental implants are securely anchored for chewing strength that rivals your natural teeth.
Due to the complexity and the cost of materials, dental implants tend to be on the expensive side of dental procedures. Which brings the question of whether or not they are covered by insurance. Here’s the most current information on insurance coverage of dental implants.
Understanding Dental Implants
To understand the cost of dental implants and their eligibility for insurance coverage, it helps to understand the basics. A dental implant is a titanium post with threads like a screw that is surgically placed in your jaw bone. Titanium is a biocompatible material, meaning it is resistant to corrosion when it comes in contact with bodily fluids. It is also capable of bonding with bone, which is the goal of dental implant placement.
Once the implant fuses with the bone, a dental prosthetic can be attached. A crown attached to an implant can replace a single tooth. Multiple implants can be placed to support a bridge or dentures when necessary.
Insurance Coverage for Dental Implants
Whether or not dental implants are covered by insurance depends on the circumstances of each individual case. Many dental insurance providers consider dental implants to be a cosmetic procedure. But as the oral health benefits of dental implants are becoming more widely known, some dental insurance plans are beginning to cover them.
In some cases medical insurance may cover dental implants. If the loss of teeth was due to an accident, injury, or medical condition, there is a higher chance that your medical insurance will cover the cost. For example, chemotherapy for cancer treatment can sometimes cause tooth loss, which would be considered a medical condition. Tooth loss due to a car accident or a fall could qualify for dental implant coverage.
Make the Most of Your Benefits
If you are considering dental implants, check with your dental and medical insurance providers to find out if your plan covers dental implants. You may be able to use both types of insurance to make the most of your benefits. Medical insurance is more likely to cover the implants themselves, and your dental insurance is more likely to cover the dental prosthetic that will be attached.
Alternative Payment Options
There are other ways to make dental implants more affordable, such as:
- FSA. If your medical insurance includes a flex spending account, those funds can be used to pay for dental implants.
- HSA. If you have a high deductible medical insurance plan, it likely includes an HSA (Health Savings Account). These funds can also be used for dental implants.
- Financing. Another option to make dental implants more affordable is financing. Lenders such as CareCredit are designed specifically for medical costs, offering no interest promotional periods.
Frequently Asked Questions About Insurance Coverage for Dental Implants
Why don’t most dental insurance plans cover dental implants?
Most dental insurance providers would prefer you go with a lower cost option for replacement teeth, such as bridges and traditional dentures.
How much do dental insurance plans pay for dental implants?
According to most dental insurance providers, dental implants are considered to be a complex procedure. Coverage may only be 50% or less of the total cost.
Learn More From Hudson Valley Periodontics and Implantology
If you’re interested in dental implants, Hudson Valley Periodontics and Implantology will work with your insurance providers to help you make the most of your coverage. We can also help with financing of your out of pocket balance. Don’t let lack of insurance coverage prevent you from getting the best possible treatment.
Call 845-623-6666 or contact us today to learn more and schedule an appointment.