How to Get Dental Implants Covered by Your Insurance: Exploring The Options

Person holding white tooth and golden coins

Not all smiles are created equal, especially when tooth loss is involved. If you’ve been dealing with this issue, you’d likely have considered dental implants. Aiming to improve oral health, these are often considered a long-lasting solution.

However, the cost can be burdensome, and understandably, a key question emerges: how to get dental implants covered by insurance?

What Are Dental Implants?

Dental implants are artificial tooth roots placed into your jawbone to support artificial teeth or crowns, restoring functionality and appearance. The process involves multiple stages, including:

  • Extraction
  • Bone grafts (if necessary)
  • Implant placement
  • Attachment the artificial tooth or crown

Not only do they look and function like natural teeth, but they also maintain oral health by preserving bone structure.

Does Dental Insurance Cover Implants?

Unfortunately, not all dental insurance plans provide coverage for dental implants. Navigating dental insurance policies can be quite the headache, as coverage options vastly differ depending on the company and the specific plan.

Generally, major procedures like implants aren’t fully covered. It’s crucial to fully comprehend your insurance coverage and the offered dental procedures before proceeding with an implant treatment.

How to Get Dental Implants Covered by Insurance?

Step 1: Understand Your Dental Insurance Policy

Understanding your existing dental coverage is the first step towards finding dental implant costs with insurance. Dental insurance plans often encompass a wide range of services, from basic dental procedures to major ones. Review your policy’s outline for any mention of dental implant procedures, as these may be considered a functional replacement of a natural tooth or a cosmetic procedure, affecting your potential coverage.

Step 2: Communicate With Your Insurance Provider

Your dental insurance provider will be best equipped to explain the nitty-gritty of the insurance plan. Ask specific questions about the pocket costs, the extent of dental care coverage, the waiting period, and if there is any partial or complete coverage for dental implant procedures. This will help maintain your oral health without financial strain.

Step 3: Get a Pre-Treatment Estimate

A solid understanding of the dental treatments you need can help make conversations with your insurance company smoother. Request a detailed breakdown of the dental implant surgery from your dentist. It will help clarify what part of the oral surgery your insurance covers and the out-of-pocket expenses.

Step 4: Explore Stand-Alone Dental Implant Insurance

Rising demand for dental implants has led to the evolution of stand-alone dental insurance companies that offer specific dental plans with some degree of implant coverage. Understanding these dental coverage options can be a game-changer.

Step 5: Request for In-Network Provider

If you choose from the list of dentists in the network of your dental insurance providers, there can be a considerable reduction in costs. Therefore, before settling for a dentist, check if they are a part of your insurance’s network. Remember that exceeding annual maximums may lead to higher out-of-pocket expenses, even with in-network professionals.

Does Medical Insurance Cover Dental Implants?

There’s an interesting twist here. In some cases, medical insurance can offset the dental implant cost. This becomes viable when tooth loss is due to an accident or a medical condition. Furthermore, some sections of the dental implant procedure may be considered medical rather than cosmetic. Medical insurance can cover these costs, lessening your out-of-pocket expenses.

However, the specifics on how to get dental implants covered by medical insurance can vary greatly between insurance providers. It is key to have detailed discussions with your insurer to understand the fine print and what exactly your policy covers.

What Are Your Other Options If the Dental Insurance Does Not Cover Dental Implants?

  • Personal Savings or Payment Plans. If your dental insurance does not cover major services such as dental implants, you can consider using your personal savings. Some dental professionals also offer flexible payment plans specifically designed to cover additional costs. This method assists in creating a manageable treatment plan by spreading your payment over time.
  • Credit Card. You might consider using a credit card to finance your dental procedures. Keep in mind the high-interest rates often associated with credit cards and ensure you can afford monthly payments for potential major service charges.
  • Health Care Credit Cards. These cards often offer promotional interest rates, created specifically to cover medical expenses not covered by most health insurance. However, be mindful that high interest can accumulate if the balance is not paid within the promotional period, affecting your maximum benefit.
  • Dental Schools. Universities with dental programs often offer basic procedures at substantially reduced costs. Dental implants are performed by students under the supervision of experienced faculty, making it a practical treatment option if you have no coverage for implants from your dental insurance.
  • Medical Loans. Financial institutions offer loans specifically for medical expenses. These loans could offer more competitive interest rates than regular credit cards and can cover expenses ranging from preventive care to tooth extractions. Before applying, make sure to read the terms and conditions carefully.
  • Dental Implant Grants. In some cases, dental implant grants are available. These grants cover partial or complete costs of implants, offering an alternative for those whose dental insurance coverage does not include this surgical procedure.
  • Health Saving Account (HSA) or Flexible Saving Account (FSA). If your insurance benefits include an HSA or FSA, it might allow you to set aside pre-tax dollars for medical expenses, including dental implants. It’s a smart strategy to cope with both basic services and unexpected additional costs not covered by your insurance.
  • Clinics and Health Centers. Community health centers often offer dental services on a sliding scale based on your income. This may extend to many procedures, including treatment for pre-existing conditions, often not included in the maximum limits set by typical dental insurance plans. This method bridges the gap in insurance for implants, making dental care more accessible.

Let Our Experts Guide You Through Dental Insurance: Contact Olympic View Dental Today

While ‘how to get dental implants covered by insurance’ can feel daunting, remember you can always explore your options. Even understanding the dental implant cost with insurance can help you manage implant treatment costs. Carefully vetting your insurance coverage options and understanding your process for insurance coverage can make this task less overwhelming.

Don’t let the challenge of figuring out insurance discourage you from the beneficial oral surgery you need. Your smile and overall dental health improvement are worth pursuing.

Here at Olympic View Dental, we are dedicated to enhancing your quality of life through comprehensive dental treatments. Our knowledgeable team can even guide you through the insurance process, helping you maximize your coverage. Contact us today, take the first step toward an improved smile, and put your dental worries behind you.


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