I can often be a chore to see what kind of dental implant Insurance exists. This can lead to hours on the phone trying to understand the rules around a dental implant or hours on the web trying to find a good solution. The insurance world is often difficult to fully understand and can sometimes be a little painful to deal with so, we put together a few tips to help you find the right insurance to cover your dental implants.
What is the cost of a dental implant without insurance?
Dental implants will often cost anywhere between $1,600 to $8,200 per tooth without any kind of dental insurance. There are a lot of variables that go into determining the exact cost of a dental implant. Some of those variables include colon the location of the tooth that is to be replaced, how many teeth are going to be replaced, what kind of implant in the materials that it’s made out of is to be used, and where the location of the surgery is to take place in.
These are just a few of the factors that may play a role in the end cost of your dental implants. Be sure to try to get a quote from your dentist before fully committing to the surgery so you can at least begin to work with a real number instead of just a guess.
Most dental insurances classified dental implants is it kind of cosmetic surgery and many of them do not cover it because of this. This makes it very difficult to say what you can expect to pay with insurance.
Some insurances may pay for portions of the procedure, for example they may cover the cost of the extraction of the tooth or the crown that is to be placed on top of the dental implant. This is why it is very important for you to do your due diligence in the research leading up to the surgery.
What can my insurance do for me?
Next you should look at what your existing dental insurance coverage is. Either check with your employer or with the insurance company to see what the extent of your coverage would look like. Some will they do not cover cosmetic surgery may cover portions of the surgery and require you to pay the rest. some insurance may cover the surgery entirely.
Sadly dental implants are often classified as a kind of cosmetic dentistry which means that many dental plans may not cover it at all. This is why you must do your absolute best to fully understand what the extent of your coverage is and what it can and cannot cover. You may have to do a lot of research to try to find a plan that will cover it if yours does not. Be as careful as you are you can be as you likely will still have some out-of-pocket expenses due to the fact that insurance companies often considered an implant or cosmetic procedure.
One place to look is whether or not you’ve hit your annual maximum, which is the highest amount of money you can expect to pay for medical expenses in a year. Otherwise you were going to be on the hook for the full cost of the treatment out of pocket.
You should call your insurance company to see if they can clarify any of their policies or be able to direct you to better options. Even though your current policy may say that it covers implants, it’s worth it to become knowledgeable about what is and is not included.
Additionally, you should try to call your dentist may be able to offer good resources or even recommend specific plans that will cover dental implants. Your dentist can also tell you if your current insurance covers the dental implant surgery what portions of that surgery may be covered.
You can also pursue something like a gentle savings plan these sorts of plans can sometimes be useful as they offer a contracted percentage off the preferred treatment without any kind of deductible or maximum. Whatever kind of insurance you decide to go with the internet holds a huge amount of resources to help you make the decision. Be sure to do careful and thorough research before committing to any plan so you can get the best deal you can.
If you are thinking about getting a dental implant and would like to ask us a few questions, give La Verne Dental & Implant Center in La Verne, CA a call at (909) 596-1155 to schedule an appointment today.