How to Find a Dental Plan That Covers Dental Implants

May 7th 2016

Many dental insurance plans offer dental implant coverage. Some plans have restrictions and clauses that stipulate that they do not cover problems with existing implants, only future procedures. Implants average $1,000 to $3,000 each, depending on the additional procedures required for some safe implants. If the coverage options you find are not within your budget, exploring a few of the options may be beneficial.

Consider Alternative Dental Insurance Coverage

Alternative dental insurance coverage is an option to explore. With coverage plans of this type, financing, financial assistance and dental-office-specific insurance may be available. It is important to discuss these assistance options with the dental office's financial department to see which programs you qualify for.

The qualification process for this type of insurance varies depending on the carrier or dental-office-specific guidelines. Your income and number of dependents is a factor in the qualification process.

Dental-Implant-Specific Insurance

Insurance specifically structured for dental implants exists. With this insurance, monthly premiums are often less than $10 per month for each person on the policy. Deductibles and co-pays may be required with dental implant insurance. Some plans, such as that offered by Humana, cap the dental benefits paid out at a set amount.

For instance, a dental implant insurance plan may have a cap of benefits set at $1,500. This is the amount that the insurance policy covers. The rest would be an out-of-pocket expense. For covering this expense, you want to seek supplemental coverage with an alternative option such as dental-office-specific financing.

Structure a Custom Plan Using Insurance Plan Searches

Dental insurance search engines help you find a plan based on your needs and budget. These search engines ask a series of questions, including basic personal information, to select the plans that meet your criteria. It is important to explore each of the available options to find the best plan for your medical and financial circumstances.

Contact Major Health Insurance Providers

Many major health insurance companies, such as Aetna, also offer dental insurance. Within these plans are often options to select dental implant procedures. In some cases, combining health insurance with dental insurance through the same provider can lead to discounted premiums.

When reading over the available dental implant coverage options, inquire about the restrictions and limitations listed in the benefits section. It is important to know every procedure that is covered and whether it is partially or fully covered.

Dental insurance is fairly inexpensive when compared to other types of coverage, and most plans cover the cost of routine cleanings. When additional procedures, such as root canals, dentures and dental implants are required, co-pays, deductibles and spending limits factor into what you pay out-of-pocket. Additionally, many procedures need prior approval beforehand. Any time that you do not understand the terminology of the policy, ask an agency representative to explain the section to you so that you do not incur any unexpected expenses.

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