Will Insurance cover dental implant? Yes. Some dental insurance plans will cover some or all of your implant procedure costs.
However, the specifics will vary from plan to plan. You may discover that your policy does not cover all of your implant expenses, leaving you responsible for a large portion of the cost.
Even if implants are covered by your dental policy, you may still need to pay your deductible before coverage begins. After that, your coverage may only cover some of the costs associated with implants, such as consultations, x-rays, anesthesia, and crowns.
Why you need an implant can also impact your insurance coverage. Most dental insurance policies will cover implants after an accident, but they won’t cover implants that are cosmetic.
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With cosmetic implants, your policy may cover up to 50% of the cost. Again, coverage guidelines vary, so you should check with your insurer before signing up.
Dental plans may also exclude coverage if you already had a tooth missing before your coverage began.
Does medical insurance cover dental implants?
Dental implants are rarely covered by health insurance. However, if you were seriously injured in an accident, such as a car crash, your dental implants may be covered by your health insurance.
Dental implants that are medically necessary may also be covered by Medicare. However, it can be hard to locate a dentist who can place dental implants and will accept Medicare or other health insurance plans for your dental procedure.
Can you pay for dental implants with FSA or HSA funds?
What are Flexible Spending Accounts (FSA) and Health Savings Accounts (HSA)? A Flexible Spending Account (FSA) is a savings account with tax benefits that you can use to pay for dental implants.
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FSAs
If you have a Flexible Spending Account (FSA) through your work, you can use the FSA for a variety of health care expenses, including dental care.
Keep in mind that you may need to show a receipt and a doctor’s letter of necessity for your implant.
HSAs
An HSA is similar to a Flexible Spending Account (FSA), but unlike an FSA, HSA funds can be used for dental procedures, such as dental implants, but only if the implant is not for cosmetic purposes and a medical diagnosis is necessary.
An HSA can be obtained through your employer, or on your behalf if you purchase your own health insurance. To be eligible for an HSA contribution, you must have a high-deductible health plan.
Why is it hard to find dental implant insurance?
Dental implant insurance can be difficult to find because they are more expensive and there are fewer implant insurance plans available. Even insurance that offers implant coverage can be expensive for many.
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It’s not the premiums we’re talking about, since they’re relatively low compared to medical insurance. It’s the high deductible and low yearly maximums that make dental insurance so expensive.
That’s why 50% of adults over 65 don’t have dental insurance and two-thirds of Americans have private insurance.
If you’re interested in learning more about implant financing options, check out our complete guide to dental finance.
Why are implants so expensive?
When it comes to dental implants, there are many factors to consider. First and foremost, there is the cost of the implant itself. Implants are made up of three components: an implant, an abutment, and a crown. Additionally, there are the associated service costs that need to be considered.
There are some places out there that claim to offer dental implants for as little as $399. However, these low-end options often come with low-quality materials and less-than-qualified medical professionals.
If you’re wondering why dental implants can cost so much, watch the video below to hear from two Michigan dentists who explain why dental implants cost so much.
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How to save money on dental implants
As dental implants become more and more popular, more and more patients are inquiring about them. Of course, the financial aspect of the procedure can be daunting and a major factor in deciding how to proceed.
If you have dental insurance, we will work with you to maximize your insurance benefits to help you cover some of the cost. Our practice offers a dental savings plan which also allows you to access our services at a reduced cost.
If you’re concerned about paying for dental implants, you may want to consider savings plans and discounts. However, it’s important to remember that you don’t need to pay for everything at once.
“On average, a single implant can take anywhere from six to eight months to complete,” Dr. Wong said. “The payment can be divided into several steps, performed several months apart, to reduce the burden of the entire payment upfront.”
FAQs
How to apply for dental insurance in Texas?
- Get dental insurance through your employer’s health insurance plan
- Purchase health insurance and supplement it with dental coverage
- Enroll in a standalone dental insurance plan
- Create a dental savings account
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Is there dental insurance that covers implants with no waiting period?
While there are dental insurance plans that do not require a waiting period for implants, these plans do not cover implants for missing teeth before having a policy.
Why doesn’t dental insurance cover implants?
While some insurance companies offer dental implant coverage, most don’t, and those that do have strict restrictions. Implants are among the most expensive dental procedures in the world, so they’re not always affordable for dental insurance companies to cover.
How can I save money without dental insurance?
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Many of these clinics offer low, flat-rate fees or flat-rate fees based on your ability to pay. The majority of clinics provide dental exams, dental cleanings, dental X-rays, dental root canals, dental fillings, dental crowns, and dental extractions. Some of these clinics may have on-call emergency dentists. Some clinics charge flat-rate fees.
