Dental implants are one of the innovative treatments that resemble your natural teeth, offering a long-lasting replacement for missing teeth. However,, getting implants can be quite expensive, leading to the question of how to get implants covered by insurance.
In this article, let’s look into practical ways to maximize dental implant insurance, reducing pocket costs significantly.
What Are Dental Implants?
Dental implants are a dental treatment involving an artificial tooth root made from titanium, which is surgically anchored into your jawbone. Over time, your bone bonds with the titanium, providing a solid base for the artificial tooth. It’s a major procedure generally not covered under basic procedures in dental plans.
What Are the Differences Between Dental and Medical Insurance Coverage?
When it comes to healthcare, understanding the differences between dental and medical insurance can be quite a task. This is because both types of insurance have unique attributes that dictate the scope and terms of coverage. While medical insurance typically focuses on general health, dental insurance focuses on oral health.
Here’s a detailed breakdown of the differences:
- Coverage Focal Point: Dental insurance plans, like those offered by Delta Dental and other dental insurance companies, focus exclusively on dental services, including preventive care, basic procedures, and some major services, such as oral surgery. In contrast, medical insurance covers many healthcare services beyond just dental treatment.
- Nature of Services Covered: Dental insurance often covers three categories of services. Preventive care (such as fluoride treatments and regular check-ups), basic services (like fillings and tooth extractions), and major procedures (like dental implant surgery). However, services like cosmetic procedures or dental implant procedures might either not be covered or have lesser coverage. On the other hand, medical insurance focuses primarily on medical treatments outside of dental care.
- Cost Structures: Dental insurance plans often employ terms like “annual maximum,” indicating a cap on the amount the insurance provider will pay in a year. Dental plans also often have ‘waiting periods’ for certain dental procedures. In terms of pocket costs, dental insurance might cover 100% of preventive care, 80% of basic services, and 50% of major services; out-of-pocket costs for the patient fluctuate. Medical insurance works with deductibles, copayments, and out-of-pocket maximums, many offering coverages for a wide range of treatments beyond dental care.
How Do Dental Insurance Plans Associate With Dental Implants?
Typically, dental insurance plans categorize dental services into three levels – preventive care, basic services, and major services. Note that dental implants are often considered a major procedure. Before venturing into how to get dental implants covered by medical insurance, it’s important to grasp the details of your dental coverage fully.
How Does Your Dental Insurance Policy Cover Dental Implants?
An annual maximum limit is a basic feature of dental insurance providers like Delta Dental. This is the highest amount an insurance company will pay toward your dental care in a calendar year. Depending on your policy, dental implant costs with insurance can still be steep, as the annual maximum limit on many dental plans ranges from $1,000 to $2,000.
Typically, a single dental implant procedure can cost more than these amounts.
What Are the Coverage Limitations of Dental Insurance in Implants?
When considering dental implants, it’s important to understand the coverage limitations of various dental insurance plans. While dental plans often provide a wide range of coverage for procedures from fluoride treatments to tooth extractions, there can be specific restrictions or exclusions when it comes to more major procedures like dental implant surgery.
- Policy’s Annual Maximum: The annual maximum is the maximum amount an insurance company will pay for your dental care in a year. This limit can affect the coverage for implants and other dental services, as a dental implant procedure is considered a major service, often with a higher cost than basic procedures or preventive care.
- Waiting Periods: Many dental insurance policies include waiting periods before coverage starts for certain dental procedures. Dental implant treatment might be under this restriction, which could necessitate out-of-pocket costs if the procedure is done before the waiting period expires.
- Exclusion of Cosmetic Procedures: Dental insurance plans generally exclude cosmetic procedures. Depending on the insurance company’s view of implants—whether they classify them as restorative or cosmetic—the implant coverage might be limited.
- Replacement of Natural Teeth: Some dental insurance plans only cover implants if they replace natural teeth lost while under the policy coverage. If a tooth was lost before the coverage began, your insurance may not cover it.
- Dental Plan Coverage Level: The level of coverage dental also plays a part. Basic services like oral exams and cleanings usually receive the highest coverage, while major procedures like dental implant surgery often receive lower coverage. This means higher pocket costs for the patient.
- Pre-Existing Conditions: If the need for implants is due to a pre-existing condition before the dental insurance policy starts, some insurance providers may not cover the implant treatment cost.
- Specific Limitations on Implant Coverage: Some dental insurance companies have specific coverage limitations on dental implants. For instance, Delta Dental offers coverage for implants but limits it to the cost of a bridge or denture, which are typically cheaper options.
How Can I Maximize My Dental Insurance for Implants?
Getting dental implants often falls under ‘major services’ regarding insurance coverage. That’s why finding ways to get the most from your dental insurance policy is important to cut down out-of-pocket costs.
Here are key strategies you can utilize:
- Understanding Your Dental Insurance Plans: Every dental insurance company has a specific language, rules, and implant coverage. It’s crucial to dive deeply into your policy to understand how your insurance coverage applies to this major procedure. The more detailed your review, the better you can tailor your procedure to take full advantage of your coverage.
- Utilize Your Health Insurance and Medical Insurance: Dental implant surgery is a form of oral surgery. In some cases, particularly where tooth loss occurred due to an accident or medical condition, your health or medical insurance might offer some coverage. It’s worth exploring this avenue to help cover the cost of your implants.
- Billing Each Stage Separately: A dental implant procedure usually occurs in phases, such as implant placement, abutment fitting, and crown placement. One viable strategy is asking your dental operator to bill each stage in different policy years, letting you spread the cost and maximize your annual maximum spread over multiple years.
- Planning Around Waiting Periods: Most dental insurance plans have waiting periods (the time you must wait before your coverage kicks in) for major services like implants. You can schedule your dental implant treatment to align with these waiting periods, helping to reduce your out-of-pocket costs.
- Consider Discount Dental Plans: These offer a wide range of dental care, including preventive care and basic procedures, at discounted rates for a set annual or monthly fee. Discount plans can be a good alternative for those lacking comprehensive dental insurance, and they often include services such as fluoride treatments and tooth extraction.
Your Path to Affordable Dental Implants
Ultimately, maximizing your dental implant insurance involves understanding the specifics of your insurance policy and playing smart with its rules. Now that you’ve learned how to get dental implants covered by insurance, it’s time to pursue those dental procedures you’ve been hesitant about because of costs.
Remember, a healthy smile is not a cosmetic procedure but a worthy investment in your health. Schedule an appointment with us today, and let our team of dentists with years of experience guide you further on maximizing your dental insurance for implants.