Are Dental Implants Covered By Dental Insurance?

Are Dental Implants Covered By Dental Insurance?

Dental implants offer patients an excellent way to restore teeth and improve their appearance. However, the average cost of a dental implant in the United States ranges between $1,500 and $6,000, which includes the crown. The cost varies based on the tooth, dental insurance coverage, and the dentist, among other factors. If you’re considering discussing dental implants with your dentist, you might be wondering if dental insurance will cover the cost. Here are some things to consider.


Many Dental Insurance Companies Classify Dental Implants as a Cosmetic Procedure


Many dental insurance companies won’t cover the cost of a dental implant because the companies classify dental implants as a purely cosmetic procedure. If your dental insurance company doesn’t cover any cosmetic procedures, it is possible that they won’t provide coverage for a dental implant. Depending on the plan, this could include just the cost of the implant itself as well as the cost of the crown.


Could Reach Annual Maximum


Since dental implants are expensive, it is possible that even if your dental insurance covers it, your costs will be higher than your annual maximum. In this case, you’d be expected to cover the cost of your deductible and whatever is left after you hit your annual maximum. In this case, the dental insurance company would cover at least some of the cost of the dental implant, if not all of it.


More Dental Insurance Companies May Cover Dental Implants in the Future


Researchers have uncovered many benefits of dental implants, especially their longevity. This means that instead of having to pay to replace dental work every 10 years or so, it may be more cost effective in the long run to pay for dental implants. As a result, more dental insurance companies are starting to cover dental implants and more are expected to in the future.


Dental Discount Cards


Dental discount cards are not dental insurance. They offer a discount off of services if you use providers within their network for a yearly fee. If your dental insurance doesn’t cover dental implants, it is possible that you could pay for a dental discount card that would offer some savings. Some dental discount plans can be used the same day you pay for the plan online if you print out the dental discount card.


Always Check Specific Insurance Coverage


Dental insurance coverage varies by plan and insurance provider. It is always worth checking the specifics of your dental insurance plan to understand your coverage options. If you suspect that you might need a dental implant and it is near open enrollment, you could always look for a plan with this type of coverage. Just be mindful of any applicable waiting periods, as you don’t want to wait too long for a procedure that you need.If you are ready to get started with dental implants, contact Carmel Dental Associates at 845-225-2224 to schedule your appointment.