To end 2024 on a high note, perhaps you plan to get dental implants. It’d certainly be a great idea – you could start the new year with a restored smile! Still, you may want to know whether dental insurance will cover dental implants before you commit to anything. Confirming the potential coverage will help you decide whether to move forward. That said, read on to learn how dental insurance relates to dental implant treatment.
Does Dental Insurance Cover Dental Implants?
For the most part, dental insurance doesn’t cover dental implants. The unique posts aren’t a preventive service, so most plans won’t help with their cost. There’s a good chance your benefits won’t apply to your final treatment.
You see, dental implants are generally viewed as a cosmetic option. Insurance providers don’t see them as medically necessary tooth replacements. It follows that your policy likely won’t cover a dental implant’s expense.
Despite these points, there are occasional exceptions. You’d do well to move forward and file a claim. Depending on your policy, you may just get some reimbursement.
You Should Consult Your Plan Provider
If possible, you should confirm your insurance plan with your plan provider. Coverage (if any) for an implant treatment will depend on your policy’s details. In particular, try asking them about the following:
- Medical Issues – Sometimes, an insurance plan will cover dental implants if they address a medical issue.
- Crowns & Bridges – Even if your plan doesn’t cover a dental implant alone, it may apply to an attached crown or dental bridge.
- Accident Coverage – Some dental plans cover implant work that solves an accident or injury. For example, maybe you lost a tooth because of a car wreck.
- Plan Annual Limits – It’s always a good idea to learn your plan’s annual limit, even if it does include dental implant coverage. You may need to complete part of your treatment in one year while the second half is done the following year.
Talk to Your Dentist, Too
Aside from your plan provider, don’t forget to talk to your treating dentist. They can help you find ways to reduce your treatment costs.
Indeed, many dental practices offer helpful payment options now. You could join a special dental membership plan, a flexible financing program, etc. Such methods would ensure your final dental implants fit your budget.
Dental insurance won’t often cover dental implants, but never say never. Talk to your plan provider and local dentist to find out for sure!
About the Practice
Richland Dental is based in Richardson, TX. Led by Drs. Siddharth and Mansi Talsania, our practice is always ready and eager to help your smile thrive. We embody that commitment through our preventive, cosmetic, and restorative treatments, which are all tailored to each patient’s unique oral needs. This approach ensures families get the best dental care possible! For more details or to book a visit, please contact us on our website or by phone at (972)-200-8006.