Are you ready to replace your missing teeth with dental implants? No doubt, this treatment has the potential to restore your bite, improve your oral health, and boost your confidence. However, you may be concerned about cost. Will insurance help cover your new teeth? This blog post explains what you should know.
Coverage for Implants Varies by Policy
Some dental insurance plans provide benefits for dental implants, but others classify them as an elective treatment and exclude them from coverage. Even when a plan does cover them, you will still likely owe a significant amount out of pocket due to things like your deductible and annual benefits maximum.
Before you commit to treatment, review your policy details and ask your dental team to help you with preauthorization if needed. Once you understand your financial obligation, you can arrange your budget to accommodate your treatment.
Other Parts of Tooth Replacement May Be Covered
An implant treatment plan usually includes more than the implant post itself. You might also need tooth extractions, bone grafting, periodontal treatment, and of course, the final restorations for your implants. In some cases, insurance may deny coverage for the implant post but still provide benefits for related treatments. This provision could help you save hundreds of dollars or more out of pocket.
Financial Options Outside of Insurance
If your insurance does not provide the level of coverage you hoped for, you may still have ways to make dental implants fit your budget. Many patients choose to use third-party financing, which can divide the cost of care into manageable monthly payments. If you have a flexible spending account or healthcare savings account, those funds may also help reduce the amount you need to pay directly out of pocket.
Another helpful step is to ask your dental office about payment arrangements and phased treatment planning. Depending on your needs, your dentist may be able to prioritize the most urgent parts of your care first while helping you plan for the remaining steps over time. Your care team will also be happy to walk you through financial options that are unique to their practice.
Insurance coverage for dental implants is not always dependable. Ask your dental team to help you plan your treatment in a way that minimizes its financial strain.
Meet the Practice
At Capital Smiles in Schenectady, Dr. Page and our team are proud to offer start-to-finish dental implant services in a modern, welcoming environment. We charge reasonable fees and are happy to help with out-of-network PPO insurance claims. We also accept financing through CareCredit and would be happy to walk you through the application process. To learn more about us or schedule a consultation, contact our office at 518-800-3102.