If you are missing one or more teeth, you may consider dental implants, a durable, natural-looking solution that restores your smile’s appearance while strengthening the jawbone. However, you may wonder if your insurance will cover them. The answer depends on your specific policy and factors such as the reason for the implants, your pre-treatment services, maximums, and if you are seeing an in-network or out-of-network dentist.
The Dental Specialists of NJ understand insurance policies can be complicated, so we are here to help you understand if your insurance covers your dental implants or any services associated with the procedure. We always put your best interests first, clearly communicating with you every step of the way so you always know what to expect throughout your treatment. With our high-quality care and experienced team, you can make the best decisions for your future and oral health.
5 Factors Insurance Companies Consider for Dental Implant Coverage
Because every insurance policy is different, it is important to understand your particular plan before getting dental implants. Many insurance companies consider dental implants an elective procedure, so coverage may be limited. However, as plans become more competitive, you may be able to use your insurance to pay for some or all of your dental implants.
In addition to your insurance plan, your unique circumstances may impact your ability to receive coverage for your implants. The following factors may play a role in the reimbursement you receive from your insurance company:
Reason for Procedure
Dental implants can be an effective solution for those who suffered tooth loss, which may occur for the following reasons:
- Tooth decay
- Gum diseases
- Accident or injury
- Poor oral hygiene
Dental implants are often considered elective procedures, so your insurance may be less likely to cover your treatment if you are getting them for cosmetic reasons. However, if you suffered an injury that resulted in tooth loss, your dental or medical insurance may cover a portion of the procedure because you need the implants for medical reasons.
Pre-Treatment Services
Dental implants often involve more than just the procedure to place them. You may also need consultations, X-rays, grafting, tooth extraction, anesthesia, and dental restoration, like a crown, bridge, or denture. All of these services contribute to the final cost of your dental implant treatment. Your insurance policy may cover the costs of some pre-procedure treatments, which can help you save money on the implants.
Maximums
Your insurance plan may have a maximum, which is the limit for how much you can spend on medical costs, including dental implants, in one year and a lifetime. For example, if your plan has a $2,000 maximum for the year, the amount your insurance will cover for your implants will not exceed that amount. If your dental implant treatments cost more than your maximum, you may have to pay the difference.
In or Out-Of-Network Dentists
When getting dental implants, it is essential to know if your provider is in or out of network. Your insurance policy may provide partial coverage for in-network dentists, but you may not receive any coverage if you see an out-of-network specialist.
Discuss Your Dental Implant Insurance Coverage With the Knowledgeable Dental Specialists of NJ
Dental implants are a long-lasting, natural-looking solution for tooth loss that requires little maintenance. However, many insurance companies consider the treatment cosmetic unless you get it for medical reasons. While many insurance plans do not cover cosmetic procedures, it is important to understand the details of your policy, as not all coverage is the same. Depending on your plan, you may receive partial or complete coverage for your dental implants.
With the guidance and support of the Dental Specialists of NJ, you can better understand if your insurance will cover your dental implants. With reliable communication and years of experience, you can trust us to guide you through your dental implant with the utmost care and attention. To schedule a consultation, call us at (908)-866-5836 or fill out our contact form.
