Basic dental insurance policies usually don't cover a dental implant procedure. You should consult the coverage of aesthetic dental procedures, which covers a portion of dental implants. Your dental implant insurance coverage could be 50% of the cost, which means your insurance covers half of the procedure. Many insurance companies consider dental implants to be simply a cosmetic procedure and are therefore not a medically necessary procedure and do not cover them.
But anyone with missing teeth knows that replacing missing teeth is critical to their overall health and well-being. Some insurance plans cover parts of dental implants. However, it's important to understand the type of treatment you need and what your plan will pay for before you go ahead. Few medical plans would cover dental implants, unless a serious injury caused damage to your mouth.
Check with your health plan company to determine if they offer any coverage. Another reason dental insurers might exclude dental implants is that they are cosmetic treatments. Other aesthetic treatments, such as teeth whitening, are not covered. This is justified: insurance companies are supposed to promote health, not beauty (although the two often go hand in hand).
Dental insurance for implants is important because many basic dental insurance policies don't cover important procedures or surgeries to replace newly missing teeth. For example, when insurance covers dental implants, how much does it cover and what limitations exist. If you want to get dental implants to replace missing teeth, but the cost is out of your reach, you should consider taking out dental insurance. Dental implants also stimulate the jawbone, which promotes the stability of mandibular tissue and gums, which can greatly contribute to long-term oral health.
Assuming you have a dental insurance plan that offers coverage for dental implants, the next step is to find out what exactly it covers. After researching dental implants, make an appointment to see your dentist for a consultation. For them, the main benefit would be that coverage would induce more people to take out dental insurance, which probably wouldn't happen, because people would be more likely to realize that the cost of insurance is higher than the benefits offered. There are many options for replacing missing teeth, but most dentists agree that implants are the only option that preserves natural bone, supports muscles in the cheeks and face, and works like natural teeth.
Covering your dental implant procedure may require the use of medical and dental insurance coverage, depending on the reason you need them. Full-coverage dental insurance helps cover routine visits, basics and more invasive treatments. This is how daily flossing can prevent dental problems and protect you from potentially painful and expensive treatments in the future. Patients often ask if their insurance will cover the cost of dental implants, but it all depends on the insurance you have and the type of implant treatment you receive.
If you currently have a dental and medical policy, you should review your coverage to see if cosmetic dentistry is covered. Delta Dental covers 100% of preventive and routine diagnostic procedures, 80% of basic procedures, such as fillings, root canals and extractions, and 50% of major procedures, such as bridges and implants. This is a disadvantage for implants compared to standard fixed bridges, which are completed in just two visits one week apart. Before paying for a dental insurance plan, be sure to compare plans to find the best deal.
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