Make Sure Your Dental Implants Are Covered

Many dental policies consider dental implants to be a cosmetic procedure. This is unfortunate, because having implants does improve overall dental health, but since many insurance providers feel that the need for dental implants is simply cosmetic, you may find that even if you have a good dental plan, it will not cover dental implants.

Often, dental insurance companies have a clause in their plans that states they will pay for the least expensive alternative treatment. This means that the lease expensive course of action for your problem is all they will pay for. If you have a missing or broken tooth, there are several cheaper treatments besides dental implant surgery, so if your insurance has this rider, you will not be covered.

Premiums and Cover for Dental Implants

If you find that you have dental insurance for implants, congratulations! You are one step ahead of most dental patients in getting the care you need. But, the cost of dental implants is most likely not going to be covered in its entirety by your insurance provider.

You can expect with most insurance providers to have to pay a co pay for your implant treatment. This will be either a fixed rate per treatment, or a percentage of the overall treatment, that you will have to pay. Other insurances have deductibles you have to meet before they will cover your dental implants. The key is to check with your dental insurance.

You can expect the premiums for dental insurance for implants to be higher than insurance without it. If your are being offered insurance through your employer that covers dental implants, take it! Chances are on your own you will not be able to afford dental implant insurance!