How to Get Dental Implants Covered By Insurance

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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 wonder 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 in the Same Way

First, some plans won’t cover dental implants at all, as they consider them a cosmetic procedure. We know dental implants are not merely cosmetic, but unfortunately, some insurance companies still 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:

 

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 certain situations where your medical insurance might cover part or all of the costs associated with dental implant surgery. Generally, medical insurance doesn’t cover dental procedures, but exceptions exist, particularly when the dental issue is connected to a broader health condition.

For instance, if you have suffered tooth loss that has led to medical complications, such as difficulty eating, speaking, or maintaining proper nutrition, your medical insurance may step in to cover the necessary treatments, including dental implants. This is because the surgery would be deemed medically necessary to restore your overall health and well-being.

In cases where tooth loss is the result of a more serious medical condition, like oral cancer, the need for dental implants might be recognized by your health insurance as part of the comprehensive treatment required to address the cancer’s impact on your mouth and jaw. Under such circumstances, medical insurance may provide coverage for the implants as part of the reconstructive surgery process.

Moreover, if you have both medical and dental insurance, you may be able to utilize benefits from each to cover the costs of your dental implants. This coordination of benefits can significantly reduce your out-of-pocket expenses. For example, your dental insurance might cover a portion of the procedure directly related to the teeth, while your medical insurance could cover aspects related to the surgery itself, particularly if a medical condition necessitates it. Working with both your dental and medical insurance providers to maximize your coverage can help ensure that your treatment is as affordable as possible.

 

There Are Options Available to Help You Pay for Dental Implants Even When Insurance Doesn’t

We provide next-level service for 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.

 

Learn More About Dental Implants

We’re New Jersey’s Premier Dental Implant Team, All Under One Roof, and we treat each patient like a member of the family. If you’re ready to start your journey to better oral health with Dr. Richard Champagne and a truly collaborative and compassionate dental team, contact Champagne Smiles in Morganville, NJ, today to schedule your first appointment.

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