Dental implants are widely regarded as the best form of tooth replacement. However, they tend to cost more than alternative options. If you are on a budget, you may be wondering if dental insurance covers dental implants. The answer varies from case to case. This blog post explores how your benefits might apply.
Dental Insurance and Dental Implants
It is important to note that dental insurance varies greatly from plan to plan. In the past, many policies did not cover implants at all. Now, though, more and more insurers are recognizing the value of implants and including them in their plans.
If your plan covers implants, they are likely classified as a major service. Therefore, about 50% of their cost may be covered, up to the amount of your annual maximum. Some patients are able to save $1,000 or more on their out-of-pocket expenses.
Dental insurance also commonly covers preliminary procedures that are often necessary prior to dental implant placement, such as bone grafts, tooth extractions, and gum disease treatment. Such services are usually between 50% and 80% covered.
Taking Advantage of Your Benefits
Here are some tips to help you take full advantage of your dental insurance benefits:
- Seek preauthorization if necessary. Some dental insurance companies require preauthorization before they pay for dental implants. Your oral surgery team can help you file all the necessary forms.
- Schedule treatment wisely. Dental implant treatment often takes place over several months. You might be able to schedule your service across calendar years so you can use two annual maximums instead of just one. This strategy is particularly useful for individuals who start their tooth replacement journey toward the end of the year.
- Investigate health insurance coverage. In some cases, health insurance is willing to pay for at least a portion of the cost of dental implant surgery.
- Understand your out-of-pocket obligation. Even with insurance coverage, you may owe a significant portion of the total cost of your treatment. Your care team can help you understand your payment options.
Your dental insurance might prove to be a valuable asset that helps you pay for your restored smile! Learn how to use it so you can keep your costs to a minimum.
Meet the Practice
Piney Point Oral & Maxillofacial Surgery of Katy/Cypress is home to two board-certified oral surgeons. Our team performs many advanced dental implant services, and we welcome both dental insurance and medical insurance. Would you like to learn how we can help you navigate your benefits and use them to your greatest advantage? Contact us at 832-353-1100.