Will Insurance Cover Dental Implants?

Dental implants are a popular alternative to bridges and dentures for men and women missing one or more of their natural teeth. A dental implant is very secure when attached to the jawbone, so patients don’t have to worry about slippage or a loose denture. Also, because a dental implant is designed more like a natural tooth, many patients find implants to be more comfortable.

Tooth loss can occur at any age, but it’s much more common as we age — typically after Medicare kicks in. Lots of people think having Medicare means their implant costs won’t be covered. However, that’s not always the case.

What are dental implants?

Dental implants are a replacement for the tooth’s root. Dr. Pottorff will place a connector, or an abutment, on top or built into the implant to support your new tooth. Once placed, a crown, also called a replacement tooth, is custom-made to match your natural teeth, completing the dental implant treatment.

Why do so many patients prefer dental implants?

Patients prefer dental implants treatment to maintain a natural look and feel of regular teeth. Unlike other restorative dentistry treatments, dental implants won’t slip or click during daily activities. Implants stimulate natural bone growth, keeping your jawbone healthy and facial structure intact.

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Do teeth play a role in general health?

Teeth are essential for nutrition later in life. Denture patients often become disabled from a poor diet. Patients who have dental implant treatment experience a better quality of life with the teeth firmly attached.

Can I Use My Insurance to Cover The Cost of Dental Implants

Dental implants are a popular solution for missing teeth, offering a durable and long-term fix. However, they come at a significant cost, which prompts the question of whether insurance can alleviate some of the financial burden.

Here’s a breakdown of what you need to know about the potential for insurance coverage from some leading providers:

Delta Dental

Delta Dental plans often categorize dental implants as major procedures, meaning they could be covered under the plan’s benefits, but at a higher coinsurance rate compared to basic procedures like fillings. Coverage can vary heavily based on your specific policy and the state you reside in, so it’s important to check your plan summary or speak with a Delta Dental representative.

Cigna

Cigna may cover part of the cost of dental implants depending on the plan selected. They consider implants a more advanced dental procedure. Cigna customers should review their individual plan for coverage details or contact customer service for personalized information.

Aetna

Aetna coverage for dental implants is not always guaranteed and is contingent upon the plan chosen. Some Aetna dental plans do provide coverage for implants but typically only cover a portion of the treatment costs. Reviewing your benefits summary or contacting Aetna directly can offer you clarity on coverage specifics.

Blue Cross

As with many other providers, Blue Cross may cover some of the costs for dental implants. Coverage levels depend on the specific policy and can range from partial to full coverage or may not be included at all. Policyholders should look into their individual plans or consult a Blue Cross advisor.

Ameritas

Ameritas provides varying levels of dental insurance, some of which might cover dental implants. These plans usually classify implants as a major service, often meaning coverage would only kick in after a waiting period, if applicable. It’s recommended to read policy documents or reach out to Ameritas for exact details.

Humana

Humana offers a range of dental plans, some of which include benefits for dental implants. Coverage may be partial and could require the policyholder to have been enrolled in the plan for a certain amount of time before claiming implant-related benefits. To understand the specifics, consult your policy’s terms or contact Humana.

How to know if you’re covered

While dental insurance may not always cover the full cost of dental implants, partial coverage is possible with most providers. It is essential to investigate your policy thoroughly and speak with your insurance company to understand the extend of your benefits before undergoing a dental implant procedure. As a top implantologist in the greater Chicago area, Dr. Pottorff performs in-depth pre-implant examinations and evaluations to determine if a patient’s implants might qualify for coverage. Then, he’ll discuss your coverage options with you, so you have a clear understanding of your benefits and how they apply to your case.

Important Insurance Points to Consider:

• Review Your Policy: Always check your individual insurance plan details or the summary plan description for specific terms regarding implant coverage.
• Pre-Approval May Be Necessary: Some insurers require pre-approval or a predetermination of benefits before agreeing to cover a portion of dental implant procedures.
• Waiting Periods: Many dental insurance plans have waiting periods for major procedures, which would include implants.
• Annual Maximums: Check if your dental insurance has an annual maximum benefit cap, which can affect the amount of coverage available for implants.
• Cosmetic Clause: Certain insurance plans may classify implants as a cosmetic procedure, thereby not covering them.

Don’t let missing teeth take a toll on your confident smile — or your health! If you’d like to learn more about dental implants and how they can help you look and feel great, call the office at (847) 854-1200 and schedule an appointment today.