Maintain Healthy Teeth with Dental Implant: Does Insurance Cover It?
Are you considering a dental implant in Annapolis? Although it’s a top-notch way to replace a lost or decayed tooth, implants are the most outrageous dental treatment you may experience! Consequently, it is challenging to find an implant-friendly dental insurance policy. Maintaining a healthy smile is vital. Annapolis dental implants are a viable solution for your missing teeth, regenerating aesthetics and function. If you’re wondering if dental implants are covered by insurance, let’s discuss!
Does Dental Insurance cover Dental Implants?
Your dental insurance might not cover dental implants from an Annapolis provider as it’s cosmetic surgery. If the scheme covers your implants, it will usually cover a percentage of the costs, approximately 25-50%, and you might need to wait 6 months or a year to obtain the maximum coverage. So, you must understand that the answer to this question is complex!
There are uncertainties! Usually, most insurance firms don’t cover this dental surgery. But, during an unforeseen incident of tooth loss or an illness, if a dentist prescribes a dental implant, then those expenses might be covered by the insurance company based on the coverage you have chosen.
What are the reasons for the lack of coverage for dental Implants?
Dental insurance firms might limit or exclude coverage for dental implants as the process is cosmetic and not medically required. Some might also exclude coverage if you still need to include the tooth before the coverage starts. Distinct parts of the process may also be excluded or only covered partially.
- Tooth Extraction – Insurance firms might cover this process if you still have a damaged tooth that needs to be extracted before the implant can be done.
- Bone Grafting – Grafting includes strengthening the jawbone, which some patients must be sure the implant will be secure. But it might need to be covered!
- Implant Placement – This is the process’s leading part, often known as the major one, implying its expensive nature. Insurance that covers dental implants might cover up to 50% of the cost, but several plans cover less.
- Crown Placement – The prosthetic tooth placed atop the implant is called the crown. Again, your insurance company may pay up to half the crown price, another costly dental treatment.
Tips to Get Dental Implants Covered by Insurance
While buying a health insurance policy, you must understand that the policy is different. Every policy comes with its innovative terms & conditions and coverage boundaries. Factors such as the treatment type covered, inclusions & exclusions, deductibles, co-pays, and maximum payout amounts may differ significantly among policies. Now, let’s consider how to get dental implants covered by insurance. You might have to meet the below-mentioned conditions if your health policy covers the cost of the dental implants:
- Coverage Limit
Your dental implant expenditure might be covered up to a particular amount. This implies the insurance provider will cover 25-50% of the total cost.
- Waiting Period
Every health insurance policy has a waiting period. If your policy provides dental insurance for implants, there might be a specific time frame in which you might not be allowed to demand a claim.
How Much Do Dental Implants Cost Without Insurance?
The average costs you might anticipate for dental implants without dental insurance are the following:
- Tooth extraction – $135
- Bone Graft during Implant Placement – $552
- Dental Implant – $2013
- Prefabricated abutment – $718
- Implant-supported crown – $1511
- Total Price for One Tooth – $4929
Have you lost multiple teeth? Then, you may opt for an implant-supported bridge with an average price of $6200. Moreover, dental implants can be utilized as support for complete dentures, which cost approximately $ 6,800 on average. So, getting an implant done in Annapolis costs hundreds of dollars per tooth. However, an insurance policy can cover 25-50% of the total.