Dental insurance can be tricky to understand. With complex coding systems, it can be hard to determine what is covered by insurance when getting implants. The important thing to remember is that an implant specialist won’t know what can be covered until they perform a comprehensive evaluation of your case.
Understanding Dental Insurance
Dental insurance is not the same “class” as general health insurance. Most employer-provided dental insurance plans only cover up to $1,500 per year of dental treatment. That’s usually enough for standard cleanings, fillings and preventative care, but what about dental implants?
Unfortunately, most insurance providers class dental implants as “cosmetic” treatment, which falls outside of their coverage. If you are lucky, some dental insurance plans do cover some or all of dental implants, but the deductible may still be high.
Are Implants Covered by My Dental Insurance?
In some instances, dental implants can be covered by a combination of medical and dental insurance, depending on the reason you are getting dental implants. It’s always a good idea to discuss with your insurance providers exactly what you need to have done and share any important details they may need to decide if your dental implants can be covered.
Some questions you should ask your insurance provider could be:
- Does my plan cover implants?
- How much of the cost will my plan cover?
- What is my deductible and maximum out-of-pocket cost?
- Do I need a referral to claim insurance?
Another point to keep in mind is that many implant specialists these days are out of network, meaning they accept very few insurance providers. Though this seems like it may be a hinderance, this usually means the prices are actually lower and you end up paying less than in-network providers.
Because it is so rare that implants are covered by insurance, you may be better off financing your dental implants and going to an out-of-network implant specialist.
Financing Options
There are many ways you can finance your dental implants. Some prefer to work with a 3rd Party financing company, like CareCredit, while others prefer to find their own methods of financing.
The options are almost limitless and the financing applications are no different that a standard credit or loan application.
Implant Specialists Near Me
If you’re interested in dental implants, or looking for more information about dental implants, trust BetterSmiles to connect you with top-rated implant specialists near you.
We prioritize customer satisfaction and help answer any questions you may have along the way. If you’d like to start your journey to a better smile and better life, reach out to us today.