One of the reasons our patients are so happy with their decision to get dental implants at Champagne Smiles is that our team is by their side throughout the whole process. When it comes to dealing with your insurance company, we’re your advocate. Our financial coordinator will help you understand your benefits and make sure everything that can be covered by your insurance plan is paid for. In other words, you don’t have to worry about how to get dental implants covered by insurance because our team worries about it for you.
Still, you might be wondering if your insurance will cover your dental implants and, if so, under what circumstances. Here’s what you should know.
Not All Dental Insurance Plans Cover Dental Implants the Same Way
First, there are some plans that won’t cover dental implants at all, as they consider them a cosmetic procedure. We know dental implants are not merely cosmetic, but unfortunately there are still some insurance companies out there that haven’t stayed up-to-date with the science. Assuming you do have a dental insurance plan that offers coverage for dental implants, the next step is figuring out what exactly is covered.
As with any other dental treatment, what is covered by your insurance depends on the coverage details of your plan and your plan’s annual limits. Unfortunately, there is a great deal of variation from one plan to the next, which can make it difficult to provide universal advice as to what is covered. For example:
- If you need preliminary procedures to prepare for dental implant surgery, like a tooth extraction, this may be covered by your dental insurance.
- Should your dental insurance cover the cost of implants, make sure you understand your plan’s annual limit and any additional out-of-pocket expenses that you will be responsible for.
- If your dental insurance doesn’t cover dental implant surgery, it may cover the crown, bridge, or denture supported by your dental implants.
- Dental insurance plans that provide coverage for injuries that require replacing a tooth may cover dental implants.
- You may be able to get your dental insurance provider to give you an allowance to use towards dental implants equal to the cost of a bridge or traditional dentures.
- Even dental insurance plans that cover the costs involved in dental implants may not pay for dental implants for teeth that were missing before the effective date of your insurance coverage.
We Can Schedule Your Procedure to Minimize Your Expenses
The process of getting dental implants is often lengthy because they are a permanent solution for missing teeth that can last a lifetime. We can use this fact to your advantage if you have a maximum annual limit by starting your dental implant restoration at the end of the year and completing it at the beginning of the next year.
Your Medical Insurance May Cover Dental Implants
There are some circumstances in which your medical insurance may provide coverage for at least some aspects of dental implant surgery. If your tooth loss has resulted in medical complications, your health insurance might provide coverage. Dental implants required after oral cancer may also be covered by medical insurance. If both your medical and dental insurance plans provide coverage for dental implants, your benefits from each can be combined to minimize your out-of-pocket expenses.
There Are Options Available to Help You Pay for Dental Implants Even When Insurance Doesn’t
We provide next-level service when it comes to implant dentistry, and we’re committed to removing any barriers to getting the dental treatment you deserve. If your insurance doesn’t cover the costs of your dental implants, we offer financing through CareCredit, LendingClub Patient Solutions, and Wells Fargo Financing. Our Champagne Smiles Dental Plan is also a cost-effective solution that makes your dental care more affordable for a low annual membership fee.