Nowadays, it is common to have dental implants as a treatment for missing teeth. Dental implants are actually considered one of the best ways to replace missing teeth as they are long-lasting and are secure for the patient. But treatments like dental implants surely come at a high price (you can read all about it here - How much are dental implants. This means that a solution to coping with this high-priced treatment would be to resort to dental insurance. In this article, we talk all about how to get dental implants covered by insurance. Read more below!
What is dental insurance for implants?
What are dental implants? We tell you all about it in detail in this article - What are dental implants. In a nutshell, dental implants are meant to replace missing teeth. The process includes a titanium screw placed on your jawbone. The bone around it will hold the implant in place, allowing the next step, which is a crown matching your existing teeth to be fitted on top of the implant. As a patient who might be getting dental implants, you might be wondering about their cost How much are dental implants and whether insurance for dental implants exists. Since there are several types of dental implants (What are dental implants), and each type’s cost varies, dental insurance cost cover varies as well. Dental implants are more and more perceived as efficient and superior to other treatments, giving dental implants insurance coverage more reason to exist.
Does dental insurance cover implants?
So, does insurance cover implants? Not all of them in the same way. It all depends on your dental insurance plan and its annual limits. Plans vary a lot so one universal answer cannot be given. Make sure your insurance covers dental implants before thinking about the whole process.
How to get dental implants covered by insurance?
When it comes to insurance for dental implants, it is the type of dental insurance you have that will determine if dental implants are covered or not. If you have a medical insurance, a question you might have in mind is “how to get dental implants covered by medical insurance?”. You can use your medical insurance to get dental implants covered if losing your teeth has led to medical complications. You can also combine your medical insurance with your dental insurance to get dental implants covered. Read your policy well and use the reasons for this treatment and the time-length. If your dental insurance covers prosthodontics and restorative care, then dental implants and crowns can be covered.
5 dental plans that cover implants
Dental implant costs are quite high (check everything about that here - How much are dental implants. So, what insurance covers dental implants? There are various insurance plans you can have that ensure your dental implant costs are covered. There is no one-size-fits-all, but here is a list of a few plans to refer to when deciding which way to go.
Plan 1 - Delta Dental PPO Plan
This plan will cover 50% of procedures like implants and bridges. As for routine procedures, they are covered 100%. Basic procedures such as fillings, root canals and extractions are covered at 80%.
Plan 2 - MetLife Dental Plan
Plan 3 - Denali Summit Plan
This plan will cover 30% of major procedures like implants during the first year. But, your coverage amount will grow to 60% on the fourth year.
Plan 4 - The Denali Ridge Plan
Only 10% of major procedures are covered during the first year with this plan. However, on the fourth year, coverage increases to 50% for major procedures.
Plan 5 - The Cigna Dental Care DHMO Plan
This plan includes dental implants and crowns coverage, depending on your specific situation. It has other saving benefits such as copayments, coinsurance and discounts.
Plan 6 - The Cigna Plus Savings Plan
This plan has a list of providers with which patients can save money on all dental procedures and benefit from discounts.
What is the best dental insurance for implants?
With a bit of research and information-gathering, you can choose the best dental plan for implants. It is important to note they all have their pros and cons. Here are a few options to consider when it comes to deciding which insurance to go with to cover your dental implants:
Option 1 - Delta Dental Insurance
One of the largest in dental benefits. It is present in 15 states and is used by dentist locations nationwide.
Why is it one of the best options?
Dental implants are covered by many of Delta Dental Insurance plans. Also, the coverage is tailored to your specific needs.
Option 2 - Denali Dental
Denali Dental promote good oral heath. They have the option to increase annual maximums and have a no-waiting period policy.
Why is it one of the best options?
Denali Dental has dental implants coverage in lots of their plans. Your dental insurance coverage is also tailored to your need, and the coverage increases with time
Option 3 - Spirit Dental and Vision
Spirit Dental and Vision lets you choose among a wide range of affordable dental plans and enjoy lots of benefits.
Why is it one of the best options?
The no-waiting period policy paired with coverage for dental implants make it all worth it.
Key takeaways about dental implants covered by insurance
Dental implants are increasingly perceived as the best way to go when replacing missing teeth. Good oral and overall health depend on it. Given their high cost, it is important to secure an appropriate dental plan with a trusted dental insurance provider. Do your research, ask your dental clinic, and you’re all set!
