If you have dental health insurance, it covers the minor procedures and maximum benefit limit on an annual basis. How to Get Dental Implants Covered By Health Insurance. Most of the dental health insurances do not cover the major procedures especially implants. If you are having standard dental health insurance plans it does not cover the braces cost, implantation and period costs. The reason behind this is that most of the insurance companies consider dental implant as a cosmetic procedure. If you explore dental health insurances keenly then you can avail the implantation facility. If you are confident that you will be required dental implant in the future then select the dental insurance plan proactively. You can find the dental health insurance plans in which tooth implantation is covered.
A dental implant is a surgical procedure in which your tooth root is substituted with another one. Mostly, the substituted tooth is made of titanium and serve the purpose same as tooth root does. Implantation requires a surgical procedure and titanium made artificial tooth is inserted in either upper or lower jaw. Implantation is quite a long procedure, it can take 9 to 12 months as it is necessary to grow bone around the tooth in order to implanted tooth become stable. Further, tooth implantation is a very expensive procedure and average tooth implantation requires $5000 in almost every state of America.
Dental Insurance Plans.
Dental indemnity insurance plans offer you the freedom of going to any dentist for the services. There you pay the bills and can claim the bills from the insurer. Your insurance company will reimburse the bills after formal procedures. Some dental insurance plans who have higher premiums than normal dental health insurance, offer you the facility of dental implants. Some dental indemnity plans offer only a portion of dental implant costs like crowning etc.
Health Insurance and Dental Implants
Sometimes, your normal health insurance pays for dental implants. If you met with an accident and your tooth are broken then the insurance company can pay for dental implantation. You can say in normal health insurance plan, the reason for the tooth implant will be observed and will be covered in an insurance plan if found necessary. Keep one thing in your mind that most of the companies do not offer the dental implant coverage even your tooth are chipped into an accident. So it is always worth considering that you have to cover your teeth in insurance plan if there are some medical conditions with your teeth.
Health Saving Account
Health Saving account can be an option to pay your dental implant bills. If you have sufficient savings in your health saving account you can use those funds for dental implantation procedures.
In this case, you can ask your dentist to bill you on a monthly basis over the period so that you can deposit cash in your health saving account. Doing so will prevent your health saving account from depletion.
If your insurance company does not pay for the dental implantation and it is necessary for you to get your tooth implanted. You can consider the alternative procedures for which your insurer can pay. Your insurance company probably will pay for partial dentures and braces. Bridges and partial dentures are not permanent remedies to your tooth problem. So it is assumed that the insurance company pays twice or thrice for these procedures rather than paying once for dental implants.