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Dental Insurance for Implants: Everything You Should Know

Jan 25, 2023

Insurance

Dental Insurance for Implants: Everything You Should Know

Dental implants are considerably more expensive than dentures, but they have many benefits that greatly influence many people's decisions to get them. Many people look at the options and pay for their implants out-of-pocket. Even though most dental policies will not cover the cost of implants, you may be able to find coverage for certain cosmetic dental procedures that may include them. This coverage will take up approximately 50% of the cost. However, you will still be responsible for your deductible and other out-of-pocket expenses. Your insurance agent will help you determine what your total cost will be.

Does Your Insurance Cover Dental Implants?

Basic dental insurance will typically cover dental necessities. This includes cleanings, x-rays, fillings, dentures, bridges, and root canals. Other services like veneers, bonding, teeth whitening, and dental implants are considered cosmetic. They will not be covered unless a medical condition may require them during a reconstruction procedure. There are other options available to you if insurance is not an option. You can pay for them out-of-pocket or by joining a discount dental plan that helps to pay for cosmetic procedures.

When Will Your Health Insurance Cover Dental Implants?

If you have a health or dental policy that covers dental implants, you will want to look into any yearly caps that may be included with your policy. A cap limits how much your policy will pay each year. The cost of dental implants often exceeds that amount, leaving you to pay for the remainder. You will also want to look into your policy's pre-existing conditions clause. Missing teeth before your implant procedure may cause your claim to be denied.

The Cost of Dental Implants

Dental implants vary in price. You can expect to pay anywhere from $4,300 to as much as $6,500 for a single tooth. The more implants you need, the lower the cost may be. You will still have to figure in any insurance coverage you may have, as well as any deductibles, copays, and out-of-pocket expenses you may be required to pay. Factoring in any specific treatment needs you may have will also be necessary. Your dental insurance may cover the extraction of your teeth for health reasons, even if it doesn't cover the implant procedure.

Frequently Asked Questions About Dental Implants and Your Insurance Coverage

If you are considering dental implants, you will have several questions. Most people want to know if an office has any specialists on staff to assist with specific types of treatment. They may also want to see if they can choose specialists. Questions are also asked concerning the most affordable treatment options. If you have questions for your dentist and insurance agent, ensure you have all the answers before signing up for any procedure, especially dental implants.

Options for Reimbursement

An HRA, or health reimbursement arrangement, may allow you to be compensated for any treatments you have already paid. The treatment in question must qualify under the HRA guidelines to be compensated. You will also be required to prove that the procedure has already been paid for. Dental indemnity plans also allow for reimbursement once the treatment has already been paid. Indemnity plans often cover dental implants if they meet the terms of the agreement.

Need Help with Dental Insurance? Contact Humble Insurance Group!

If you want to learn more about dental implants and whether or not your insurance will cover them, or if you want the best health insurance coverage. Contact the agents at Humble Insurance Group. We have the answers you are looking for if you want to make an informed decision.

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