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Are you considering dental implants but worried about the cost? Dental implants offer a permanent solution that closely resembles natural teeth, but they can be more expensive than other tooth replacement options. This begs the question: does dental insurance cover the cost of dental implants? Let’s explore the answer to this common concern.
Understanding Dental Insurance Coverage
Dental insurance companies are more likely to cover preventative procedures rather than reactive or cosmetic ones. However, that doesn’t mean dental implants won’t be covered at all. Since each implant can cost anywhere from $2500 to $3500, it’s understandable that you would need assistance from your insurance.
To determine if your insurance will cover the cost of dental implants, you need to break down the procedure into its separate stages. It’s rare for insurance to cover the entire procedure, but they may cover a portion of each stage depending on whether it’s considered Basic or Major.
Tooth extractions are often necessary before placing implants, and most insurance companies categorize this as a Basic procedure. Consequently, you can expect your insurance to cover roughly 60 to 80 percent of the extraction cost.
After a tooth extraction, bone grafting may be required to increase the bone density for successful implant placement. Sadly, most insurance companies do not cover the cost of bone grafting. However, in exceptional cases, insurance may cover up to 80 percent of the cost.
Placing the implant into the bone is considered a Major dental procedure. Depending on your insurance plan, they may cover as much as 50 percent of the implant procedure cost. However, it’s important to note that most insurances do not cover this portion.
Implants require abutments, which are used to attach the prosthetic tooth. In most cases, insurance won’t cover the cost of abutments. However, if your insurance plan includes Major services, they may cover up to 50 percent of the cost.
Abutment crowns are the prosthetic tooth that restores the look and function of your smile. Similar to placing implants, this is considered a Major service. While most insurance plans won’t cover the cost, some may treat abutment crowns in the same way they would treat crowning natural teeth.
Determining Your Out-of-Pocket Expenses
It’s important to remember that the amount covered by your insurance company depends on the type of insurance you have. We understand that navigating through the complexities of insurance can be confusing. Rest assured, we are here to help. We will work with you and your insurance company to determine the exact amount you’ll need to pay for your dental implants.
If you’re considering dental implants and want to explore your options, contact us at Make You Smile. Our implant experts will provide all the necessary information and address any insurance-related concerns you might have. Achieving your dream smile is possible, even with the financial aspect to consider. Let us guide you through the process and make your smile transformation a reality.