The cost of dental implants are often more than individuals want to pay, you can expect at least $1,000 per tooth. Even if you have dental insurance most plans won’t cover the cost of dental implants. The few plans that do offer dental implant insurance are quite expensive to purchase. However, the are worth the cost because you won’t have any more ongoing dental problems in that area of your mouth.
The majority of dental insurance plans were established years before dental implants became such a popular option. Even if you have dental implant insurance coverage it likely won’t be enough to pay for very much of the procedure. It is likely very limited for emergency treatment only. Some dental implant insurance coverage programs are offered as an add on to a dental package so take the time to ask.
If you need to file a claim for dental implant insurance ask the provider to assist you. If the implant was done as the result of an injury or accident make sure you include that information. It may be a determining factor for the dental implant insurance to cover the expense. You should discuss the cost of the dental implant and payment for it with your dentist in advance.
Another reason why dental implant insurance isn’t very common is that the procedure is viewed as cosmetic dentistry. If you are unable to cover the cost of dental implants on a credit card or other form of payment talk with your dentist. Most of them realize the financial burden of dental implants and offer terrific financing options.
Don’t forget to look into your medical plan for dental implant insurance as well. Some of them will cover expenses for reconstructing the jaw area. If you need dental implants so you can chew properly and eat without problems this may be covered with your medical insurance. Again, make sure you discuss it with your dentist and your insurance provider in advance.
Government dental programs including Medicaid and Medicare will not cover the cost of dental implants unless they are needed because of an accident. They will require documentation of the accident as well as information from the dentist before they will approve the work.