Even when you’re sure you want dental implant surgery and believe that the results will make a big difference in your life, the one obstacle that may stand in your way is the cost. You may already pay for dental insurance, and if so, you are probably curious about whether your plan will cover your dental implant surgery.
Understand the Dental Implant Surgical Process
Before you investigate your plan’s details, you must understand each step in the process of fitting your gums with dental implants.
If you currently have a rotted or broken tooth where the implant will go, you may need a tooth extraction first.
If your tooth has been missing for quite some time, the jawbone beneath the gums may have begun to deteriorate. You can’t get a dental implant without a stable, secure jaw, so a bone graft may be required as a preliminary procedure.
After the bone graft or tooth extraction heals, the implant is put into place. Then an abutment may be placed as well that will connect to the crown. Finally, the crown replaces the former decayed, broken or missing tooth, providing you with a clean, healthy, even smile.
Check the Specifics Listed in Your Dental Policy
The answer to the central question you are inquiring about — will your insurance cover dental implant surgery? — has an unsatisfying answer: It depends. In most cases, dental plans are extremely varied, with covered costs differing among subscribers. This is because of the wide variety of options you have when selecting a dental insurance policy.
In many cases, if it can be proven that a tooth extraction is necessary for the patient’s oral health, insurance plans will cover the vast majority of the cost of this procedure. However, insurance carriers may not be as willing to cover bone grafts and the placement of the implant, since this may be viewed as a cosmetic improvement rather than a medical necessity.
When fitting a crown to an implant, your plan may cover a portion of this cost if crowns are listed as a covered service in your policy. They may not differentiate between a crown for an implant and a crown to cover a remaining tooth.
If you are in doubt about what your plan may cover, call your insurance company for the most accurate answer.
Will Medical Insurance Ever Subsidize Costs?
If you have a health condition that has contributed to tooth decay and loss or you have been in a traumatic accident, your regular medical insurance may pay for restorative dentistry. Again, the coverage limits will depend on your policy and the facts involved in your specific case.
Choose a team of oral and maxillofacial surgeons experienced at working with insurance companies and making sure patients receive as much compensation as possible for dental implant surgery and other procedures — call Northeast Oral & Maxillofacial Surgery today to set up an appointment.