Like many, you might consider dental implants for your missing teeth. These prosthetics look natural, don’t slip or fall, and often succeed in the long run! Still, you may have a lingering question: Will dental insurance cover dental implants? By knowing the correct answer, you can ensure a truly cost-effective treatment. Well, your Northampton dentist is here to address your concerns. Read on to learn how to maximize your coverage for dental implants.
Will Dental Insurance Cover Implants?
Sadly, dental insurance usually doesn’t cover implants. The latter restorations don’t count as a preventive service. As such, your plan provider may not cover their cost.
In reality, most dental plans treat implants as a cosmetic service. The thought is that these tooth replacements aren’t medically necessary. Therefore, your policy won’t cover much (if any) of an implant’s expense.
All that said, there are occasional exceptions. You should go ahead and file a claim. Based on your policy, you may get some sort of reimbursement.
Talk to Your Plan Provider
While it’s not a sure thing, your insurance could cover part of your implant treatment. Coverage will ultimately depend on your plan’s details. So, ask your insurance provider about the following:
- Accident Coverage – Sometimes, dental insurance will cover implant work needed due to an accident or injury. For example, maybe you lost a pearly white because of a car wreck.
- Medical Issues – If your tooth loss relates to a medical issue, your insurance may cover implants.
- Crowns & Bridges – While a dental plan may not cover an implant, it could apply to an attached crown or bridge.
- Plan Annual Limits – Even if your plan does include implant coverage, learn its annual limits. You may need to get the first half of treatment one year while the second half is done the next.
Get Input from Your Dentist
Whether insurance applies or not, an implant’s cost varies by dentist. As such, talk to your local one about how you might reduce your expenses.
You see, many dental practices now offer helpful financing options. Your dentist could arrange a payment plan, discounts, or something similar. That way, you could get dental implants that better fit your budget.
So, will dental insurance cover dental implants? No – it typically won’t. Even so, consider the points above before you decide against treatment. They could well save you money!
About the Practice
EMA Dental is based in Northampton, MA. Led by its amazing dentists, our practice gives each patient top-quality dental care. We thus offer preventive, cosmetic, and restorative services, as well as emergency oral procedures. Naturally, then, our staff is eager to provide you with the best dental implants for your smile! For more details or to book a visit, you can reach us on our website or by phone at (413)-731-8800.