Does Insurance Cover Dental Implants?
Your dentist has asked you to consider dental implants, but does insurance cover dental implant costs? It’s complicated, as are most things in life.
Yes, certain insurance plans do reimburse portions of the implant procedure but it’s very minimal.
Medicaid, Medicare, and state/county insurances (such as BadgerCare and CountyCare) do not cover dental implants at all. For more information on these options, visit our friends at Medicare Consumer Guide.
We were as shocked as you when we first learned this. Why is this?
Our friends over at Authority Dental explain:
Unfortunately, most dental insurance policies do not cover tooth implants because most companies categorize them as a “cosmetic procedure.” Many insurance companies are beginning to see the importance of dental implants. As of right now though, it’s probably unlikely that your insurance company will cover the cost of dental implants surgery. However, you can still file a claim in an attempt to get some sort of reimbursement.
Are dental implants covered by insurance?
There are major limitations on most insurance plans since the insurance coverage is determined strictly by the amount the employer wants to spend on the policy, and the insurance companies want to build in their profit margins (eek). In reality, insurance plans are only designed to cover routine maintenance, emergencies, and basic care.
Although, many insurance companies will reimburse you for the same amount they would to cover lower-cost options like partials and dentures. Read more about why the long-term dental implant solution is best for you.
Does medical insurance cover dental implants?
There are a few cases where medical insurance is available for people who are missing all of their teeth, and as a result, have medical complications. Typically, medical insurance will cover dental implant and tooth replacement procedures related to the following types of conditions:
- Trauma, say you lose your front teeth after a car accident
- Loss of teeth due to a medical condition
- If teeth are lost in the course of tumor treatment
- A congenitally missing tooth
This type of coverage depends solely on the individual policy. Other than these situations, medical coverage is very rare.
We know this is a lot for you right now, so let us help you.
When you come in to get your 3-D CT scan and meet a doctor, we will provide you with information so you can maximize your insurance for reimbursement.
Tell me how much money I can expect to get from my insurance
We’ve been in business since 2008 and the absolute maximum reimbursement from insurance claims we see is $1,000-$2,000.
Save yourself the many months of researching and let us help you get your former self back.
Before you go, be careful of dental implant grants and discounts!
As you do your research, you’ll see offerings of discounts and grants for dental implants. These claims are deceptive and far from the truth.
As Kevin Haney, the founder of A.S.K. Benefit Solutions, says, “Federal and state government grants for dental implants do not exist. [Other sources] promote help with payments as part of a clever marketing scheme.” Source: Growing Family Benefits
Look out for these schemes. Here are a few examples to look out for:
EON Clinics offers payment plans to manage your dental implant costs
Most of our patients use a combination of personal savings, insurance, and financing to pay for implants. By taking advantage of our dental implant financing options, our patients are able to split the total cost of treatment into affordable monthly payments. Some patients have received help from family, friends, or refinancing of other assets.
Want to know more about the cost of dental implants and payment options? We’ve got you covered.