If you want to replace your missing teeth, you likely want to pick the best option for your smile. As you do your research into what is available, dental implants might pop out as the gold standard. They offer unmatched benefits, but they have a higher price tag compared to dentures and bridges. You might wonder if your dental insurance will cover them, so here’s what you can expect.
Are Dental Implants Covered by Dental Insurance?
In short, dental insurance oftentimes doesn’t cover dental implants. This tooth replacement is considered a “luxury procedure,” so you’ll likely have to pay for the post and placement surgery yourself. That said, it’s possible some plans have this procedure in the benefits. If so, then up to 50% of the cost will be covered, but don’t forget about your annual maximum and deductible.
Does Dental Insurance Cover Any Part of Dental Implants?
While most dental insurances don’t cover dental implants, other aspects of your care may be. For instance, if you need preliminary services, like gum disease treatment, extractions, or bone grafting, then your benefits may apply to them. Not only that, but the restorative on top of the post may get coverage, like if it’s a crown, bridge, or denture.
How Can You Maximize Your Dental Insurance Benefits?
The only way to know whether or not dental implants are covered by your insurance plan is to talk to your dentist’s front desk team. They may be able to submit preauthorization requests for the treatment, so you can get an estimate of how much you will owe. This can greatly reduce any surprises that you might’ve experienced otherwise.
If your benefits can help with the total cost, schedule strategically. Most plans reset at the end of the calendar year, meaning your annual maximum will drop down. By using the remaining benefits you have for one year and finishing up at the start of the next, you can lower the overall price.
Your dental office may also accept third-party financing with options like CareCredit. This allows you to break the total cost into low-to-no-interest monthly installments. If you don’t have insurance, an in-house membership plan can also offer discounts on services like implants. Though what you can expect from this route can vary per practice.
In the end, while dental insurance may not fully cover dental implants, some portion of the process may be. The only way to know is by having a consultation; that way, you feel confident about next steps.
About the Practice
Ready to get a full smile you love? Our team at Blue Coast Dental Group is dedicated to helping patients in Torrance with treatments like dental implants. Our compassionate dentists can complete the entire process in-house, so you stay with us every step of the way. If you’re worried about the cost, we can help by accepting dental insurance and CareCredit or by offering an in-house membership plan. If you have any questions, schedule an appointment by calling our office at 310-424-3100.