How to Get Dental Implants Covered by Insurance
Dental implants are one of the most effective long-term solutions for replacing missing teeth. However, they can be a significant financial investment, and many of our patients come to Chroma Dental wondering if their insurance will help cover the costs. Below, we’ve provided a comprehensive guide to understanding dental insurance coverage for implants and maximizing your benefits.
Are dental implants covered by insurance?
Coverage for dental implants varies by provider and policy. Many insurance plans classify implants as a “major” procedure, which typically has limited coverage compared to basic procedures like cleanings or fillings. Additionally, some insurers may view implants as a cosmetic procedure rather than a medical necessity, further limiting reimbursement.
That said, there are scenarios where your insurance may partially cover the costs associated with implants:
- Medical Necessity: If implants are required due to an accident or medical condition, some insurance plans may provide coverage.
- Comparable Coverage: Some policies allow you to use funds allocated for alternative treatments, such as bridges, for implants.
- Supplemental Plans: Combining dental insurance with health insurance or supplemental plans can sometimes increase your coverage.
Steps to Determine Implant Coverage
- Check Your Policy: Check to see if your plan includes coverage for dental implants, crowns, and related procedures. Key details to look for include:
- Maximum annual and lifetime premiums.
- Percentage of coverage for major procedures (often 25-50%).
- Waiting periods for new policyholders.
- Contact Your Provider: Ask specific questions to clarify what aspects of the implant procedure are covered, such as:
- Are the implant body, abutment, and crown covered?
- Is there a deductible or co-pay?
- Are pre-surgical needs, such as extractions or bone grafting, included?
- Prior Authorization: Some insurers require prior approval for implant procedures. Contact Chroma Dental so we can provide the information you need.
- Explore Alternatives: If implants are not covered, ask your provider about bridges or dentures, which may be covered more broadly.
Please note that coverage for dental implants varies by provider and policy.
Please note that coverage for dental implants varies by provider and policy.
To try to get dental implant coverage, you will need to contact Chromadental.ca for a consultation. We will help you prepare the necessary paperwork for your insurance company.
Consult with Us Today
Navigating through insurance policies can be confusing, but our team at Chromadental.ca is here to help. We will work with you to determine the most cost-effective treatment plan and explore your insurance options.
Want to learn more about dental implants? Don’t hesitate to contact Chroma Dental today!
