How much is a dental implant with Insurance ( A Complete Guide)
The invention of dental implants changed the lives of millions of people around the world. Their ability to imitate natural teeth is so remarkable that patients tend to forget they ever experienced the implanting procedure.Dental implant with Insurance makes it convenient for the patients to undergo this treatment.
When too much destruction can’t protect your natural tooth, your dentist offers several options. The most long-lasting solution is an implant. It requires little maintenance and can last a lifetime. The cost of dental implants worries many patients. However, not spending on quality treatment could reduce your quality of life.
How Much Do Dental Implants Cost without Insurance?
The average cost of dental implants is $3,000 — $5,000, including the post, abutment,
and crown placement,Bone grafting, tooth extraction, CT scan, and X-rays are paid separately. Additionally, the cost depends on the following factors.
Experience: The more experienced your dentist is, the more money they’re likely to charge since working with professionals minimizes risks of failure.
Materials: Implants are usually made from titanium or zirconium. The price depends on the quality of these materials.
Preliminary procedures: If you need additional procedures like tooth extraction, sinus elevation, and bone grafting, the total dental implant cost increases.
Laboratory: The cost of the crown depends on the laboratory your dentist is affiliated with.
Location: The location of the dental facility also plays an important part in the total price of the dental implant.
Individual characteristics: Dental implants are highly customized for each case. That’s why the cost may vary from patient to patient.
Segregation of Dental Implant Cost without dental
insurance
- Post — $1,000 — $3,500
- Abutment and crown — $1,500 — $3,500
- Bone grafting — $200 — $3,500 (depending on complexity of the procedure)
- Tooth extraction — $80 — $650 (depending on complexity)
- CT scan — $300 — $1,000
- X-ray — $30 — $200
It’s important to understand that dental implants can last a lifetime with proper care. By investing time and money in them today, you’re saving yourself significant worries and efforts in the future.
The dental implant procedure has a higher Return on Investment than other missing tooth replacement solutions. Unlike dentures and dental bridges, they don’t require healthy teeth to be modified or need regular replacement. With dental implants, you don’t have to practice eating or speaking. They give a natural tooth appearance.
Does Dental Insurance Cover Dental Implants?
In most cases, dental Insurance doesn’t cover dental implants. Some providers may offer partial coverage for the implant crown.Even though dental implants are gaining popularity due to their overall efficiency, insurance companies still consider them an elective procedure. With time, insurance providers will likely recognize the long-term patient benefits over other missing tooth replacement options. Suppose your Insurance doesn’t cover dental implants (or covers only a small percentage). In that case, you could ask to give you an allowance toward the treatment equal to the cost of a dental bridge or traditional dentures.
How much is a dental implant with Insurance
Dental insurance companies have drastically begun covering dental implant procedures.
Many insurance providers that do not cover full coverage of dental implant surgery will offer a budget toward the procedure equivalent to the cost of conventional bridges or dentures. Most dental insurance plans cover 50% of the cost of the dental implant up to your maximum annual amount. Premium dental insurance plans cover as much as 80% of the dental implant cost. Some dental insurance plans cover a portion of a dental implant or tooth implant. We recommend contacting your dental insurance advisor to determine the dental plan.
Comparing Dental Insurance for Dental Implants
It’s important to shop around and compare the different plans and companies to know that you’re getting the coverage you need at the best available price. When comparing dental Insurance for implants, you want a fair comparison, so compare and contrast deductibles, monthly payments, services and procedures covered, waiting periods, and in-network providers. Make sure your treatments are covered and research the company’s reputation, reviews, and ratings.
Choosing Dental Insurance for Dental Implants
There are several important points to remember when choosing dental Insurance for implants. Consider how easy it is to apply, get a quote online, how you can manage your account, and if the company offers any extra perks or discounts.
Keep the following in mind when choosing dental Insurance for implants:
- Coverage options: You want to research what type of coverage options are available, how many plans there are, what each plan offers, and their respective costs.
- Sign-up process: How easy it is to sign up is important. Can you sign up online, or do you need to sign up with an agent over the phone?
- Geographic availability: Find out where the company offers coverage and then check out the providers in your area that accept this type of Insurance.
- Customization: Find out if a company can customize plans and how you would do that. You want to pay for the coverage you need, not things you won’t use.
What Is Dental Insurance for Dental Implants?
Dental Insurance for implants is important because many basic dental insurance policies don’t cover major procedures or surgery to replace newly missing teeth. Since dental implants are expensive, having extra coverage will dramatically affect the patient’s pocket.
There are two main types of dental implants. According to the American Academy of Implant Dentistry, endosteal implants are placed in the jawbone, and subperiosteal implants are placed under the gum but above the jawbone.
Endosteal implants are often preferred, but subperiosteal implants are recommended for patients who don’t have enough healthy jawbone and don’t want to endure another procedure to improve their jawbone strength for endosteal implants.
What Does Dental Implant Insurance Typically Exclude?
Dental Insurance typically excludes cosmetic procedures such as teeth whitening and complicated oral surgeries that must be handled in a hospital setting.
While the insurance plans cover dental implants, it’s important to consider how much this coverage will help. Many dental insurance plans have annual maximum limits of a few thousand dollars, covering only cosmetic dentistry even though you are planning a pricey dental implant procedure. Deductibles also can apply, as well as co-insurance or co-payments that require you to pay more out-of-pocket besides your monthly insurance premiums.
When does Insurance cover Dental Implants?
If you currently have dental and medical Insurance, check your policies to see if they cover dental implants or cosmetic dental procedures. If your policy does cover implants, you’ll have to re-check for information about the following:
- Annual maximum: Insurance companies often use a calendar year to measure your annual maximum. That represents how much an insurance plan will pay for you or your family’s dental care in a year. It allows you to plan for your dental implant procedure and decide whether to undergo treatment in the same year or not. Otherwise, you will have to bear the entire cost from your pocket.
- Pre-existing conditions: You’ll need to check your insurance coverage for pre-existing conditions to determine your coverage availability. If you were already missing a tooth before the effective date of your insurance coverage, your Insurance might not cover it. They’ll consider it a pre-existing condition because you had it before enrolling with them.
Conclusion
Since each case is different, the dental implant cost varies from patient to patient. It depends on several factors, from the surgeon’s experience to the number of preliminary treatments.
Even though Insurance doesn’t usually cover dental implants, there are many ways to help make the procedure more affordable.