Understand Whether Your Dental Implants are Covered by Insurance

November 7, 2020

Filed under: Uncategorized — roselleparkdental @ 8:19 pm
a dentist showing a female patient how a dental implant works

You’re considering dental implants in Roselle Park to replace your missing teeth, but you’re unsure if your dental insurance will cover the costs. With only a few months to go before the end of 2020, the clock is ticking on being able to use your benefits before they expire. What do you do? Before you throw in the towel and simply wait until next year, read on to learn what you can do now to move forward with treatment and find ways to pay for your new smile.

Are Dental Implants Covered by Insurance?

Unfortunately, no, most dental insurance companies do not offer coverage for dental implants. If you feel this is unreasonable and wonder why, the answer is usually that they do not view it as a “medical necessity.” Instead, they categorize dental implants under “cosmetic” procedures, which are considered “wants,” not “needs.”

While some are beginning to understand and recognize implants as a necessary alternative to traditional tooth replacement solutions (i.e. fixed bridges, dentures), many do not offer patients much financial relief when it comes to opting for this more permanent, longer-lasting option.

So, what can you do?

Solutions to Consider for a Healthier Smile

If you’re still set of having dental implants put into place, you’ll want to think about your options. Your dentist in Roselle Park and their team will likely discuss various ways you can pay for your treatment, but it will be up to you to do your research and find out which method is best for you and your budget.

A few things to consider include:

  • Finding out if medical insurance will cover the cost. If you need dental implants because of a medical complication, birth defect, or trauma-related event, there is a chance it can be covered.
  • Find out if your dental insurance company will pay for any portion of your treatment. Although they may not cover the surgical placement, they may offer coverage for your initial consultation, custom restoration, or even pre-implant dental work, which can help you save on costs.
  • Maximize your dental benefits any way you can. You are provided an annual maximum each year. By using this allotted money before December 31, you not only prevent your insurance company from getting more money from you, but you also lower your out-of-pocket expenses toward your dental implant treatment. Even if you cannot complete the full scope of your treatment before the end of the year, your dentist may be able to spread it out across calendar years, allowing you to use both 2020 and 2021’s annual maximums.

Dental implants are still considered the superior form of tooth replacement. Take the time to research your options as it pertains to paying for your treatment. You may be surprised that it’s far more affordable than you think, and you’ll be able to enter 2021 with a healthier, fully restored smile.

About the Author
Dr. Jamie Oshidar graduated from the New Jersey Dental School in 2002 and spent three years in the U.S. Air Force undergoing dental training. He also completed a short-term residency in endodontics and prosthodontics while in the military. As a northeast board-certified dental professional, Dr. Oshidar and the team at Roselle Park Dental & Implants, want you to feel good about your smile, which is why he is pleased to provide dental implants to individuals with missing teeth. Unsure if your insurance will cover the cost? Our team is here to help you navigate these financial waters and ensure you get the treatment you need at a price you can afford. To learn more, visit our website or call (908) 245-1745.