Many insurance companies consider dental implants to be a purely cosmetic procedure and are therefore not medically necessary and do not cover them. But anyone with missing teeth knows that replacing missing teeth is critical to their overall health and well-being. Dental implants themselves, along with a single tooth, can cost anywhere from 3 to 5 thousand dollars at times. So, any little bit certainly helps.
In our biggest cases, most people are running out of dental insurance, usually between 1 and 2 thousand dollars. Now, let's get to the point about how to pay for these dental implants. If you're like most patients, the decision is based on one important factor: insurance coverage. More specifically, will your insurance contribute a little to your procedure or not at all? That's the critical question that will decide your next step.
However, everyone's insurance policy is different, and what a patient covers may not be covered for you. It all depends on the coverages, limitations, exclusions, deductibles and other factors of your specific policy. For that reason, we can't give you a definitive answer to your situation, but we can cover some basic aspects of general insurance coverage. Just remember that each policy may vary, as can your coverage or lack of coverage.
We hope that the limited information we can provide will help you get started with your investigation. This is a question we get asked a dozen times a week, and it's understandable why. Dental implants are an important investment. However, not getting dental implants can cost you much more for related dental problems.
Basically, it's a no-win situation, and sadly, if you have Medicare, there's no coverage for dental implants. The United States government incorrectly considers dental implants to be cosmetic surgery or an elective procedure. While dental implants improve your smile aesthetically, that's not their primary benefit. The main benefit of dental implants in Corpus is to restore the jawbone and prevent it from disintegrating.
That benefit alone creates a positive domino effect that affects everything from nutrition to heart health. The cosmetic aspect is just the icing on the cake. Now, if you have a Medicare Advantage plan, some of these plans have dental clauses that you can add out of your pocket. These dental clauses may or may not cover a small part of the procedure, but every detail helps.
Even standard insurance policies for dental implants are scarce and hard to find. Even so, there are usually stipulations, such as when implants are covered. What is covered, how much and varies so differently across the board that it can make your head spin. The best way to find out for sure is to ask your insurance provider the right questions.
If you want more information about your insurance coverage, any exclusions or stipulations, you should call them directly. You'll want to ask them any questions you may have, and you should include the following questions. What dentists are included in your network? This should be your initial question, especially if you already have a strong relationship with your dentist. If you don't have a dentist yet, choose one with a wide network for a good selection.
Naturally, this should be your next question, since it is directly related to the first. Some policies automatically assign you the dentist closest to you, while others allow you to choose. What is the coverage structure? Some policies will cover half the cost of dental implants in Corpus, others almost nothing, such as 10%. Coverage can also be procedurally based, since different procedures have different coverage structures.
Ask about important exclusions? Your insurance may offer coverage for dental implants. However, read the small print carefully, as there may be less than obvious exclusions in the list. For example, they may cover the implants themselves, but not the anesthesia or restoration itself. Insurance policies are hard to read, so check it with a fine comb.
If you don't have insurance and are looking for a dental insurance provider, you'll find a lot of plans. Make sure you know what you're getting yourself into. The preferred provider organization (PPO) and the dental maintenance organization (DMO) are two of the most commonly found types of policies. However, there is a third, less common option: dental HMO plans, which are more aimed at a budget-conscious buyer.
With a DMO plan, you select your dentist and, if you need a specialist, you should get a referral. This policy may be a little more restrictive. On the other hand, with a PPO plan, you don't need a referral and you can go to the dentist of your choice. However, you get a discount when you go to one of the preferred dentists in their network.
If you want dental implants in Corpus but don't have any insurance, we recommend that you find a good provider as soon as possible. Dental insurance can not only cover routine exams, but also more complicated procedures. It all boils down to what you can afford. However, what if you can't afford the dental insurance coverage you need? At Vela, we also offer several financing offers for dental implants.
We work together with Wells Fargo and Care Credit to offer you attractive financing options that can make your dream smile a reality. Look, there's no reason for you to continue suffering from missing teeth and facing a bleak picture. Vela can restore most patients' smiles to perfection in just one day. Vela Dental Center, Corpus Christi, TX 78411, Perfects Smiles and Changes Lives.
We offer cosmetic, general and family dentistry to people in the nearby areas and neighborhoods of Corpus Christi, TX 78411.Call us today to schedule an appointment. Family and aesthetic dentistry, sedation, endodontics, implants, adhesives, extractions, sealants, bridges, dentures, fillings, TMJ treatment, wisdom teeth, veneers, crowns, teeth whitening, orthodontics, Six Month Smiles, Clear Correct and gum treatments. The dental provider Smile Dental Group of East Lancaster, California, will work with you and your insurance to create a treatment plan that fits your needs and budget. Dental coverage may cover some of the basic procedures required, such as any extraction or the crowns (“artificial teeth”) you see when you smile.
You can find the answer to this question when you ask about the dental specialists in your insurance network. You'll need to break down the specific benefits of your insurance plan to determine exactly what dental implant procedures are included in your coverage package. For example, there are individual dental implants with crowns, which are used to replace individual missing teeth. To determine if your insurance covers implants, it's important to understand the different parts of the treatment and how much oral preparation is needed for the implant.
What health and dental insurance doesn't cover can be confusing, especially when it comes to specialized procedures, such as dental implants. The type of dental implants you plan to place will affect the amount your dental insurance covers. Those could be the necessary steps for your dental implant procedure, so make sure you know all aspects of what it covers. The average cost of dental implants varies by a couple of thousand dollars per tooth, depending on the type of implants placed and the number of teeth that are missing.
If the damaged tooth is still present, this procedure will be part of your dental implant treatment, and most insurance companies cover it in full or at least in part. Most insurance plans don't cover cosmetic procedures because they're considered medically unnecessary, but anyone living with missing or damaged teeth knows that they can be harmful to their dental health. And then there are dental bridges supported by implants, which are finished off over a pair of implants to cover 3 to 4 missing teeth. Your dental implant insurance coverage could be 50% of the cost, meaning your insurance covers half of the procedure.