The most likely explanation for why insurance companies avoid covering dental implants is that their goal is to make money, not keep it. The cost of dental implants is the main reason why insurance companies don't cover them. Insurance companies are like any other business; their primary purpose is to make money and provide a sufficient level of care. Many insurance companies will refrain from covering the placement of a dental implant due to the cost.
They consider a dental bridge or partial denture to be sufficient to replace a missing tooth, and they classify dental implants as a cosmetic procedure that is not medically necessary and therefore do not cover them. However, replacing missing teeth is critical for overall health and well-being. In general, dental insurance companies deny coverage for cosmetic dentistry. Therefore, if you are going to receive dental implants for aesthetic purposes, you may not get coverage.
However, if you choose to get dental implants due to the loss of a tooth (or teeth) due to a sudden trauma or accident, you can get some level of coverage. Some insurance plans do cover parts of dental implants. It's important that you understand the type of treatment you need and what your plan will pay for before moving forward. An estimated 77 percent of Americans have some form of dental insurance, according to data collected by the National Association of Dental Plans.
Dental bridges are literally placed over other teeth, while partial dentures have hooks and clasps that surround the other teeth. Dental implants offer the same benefits as other tooth replacement options, such as helping the remaining teeth stay in place and restoring the integrity of your smile. Humana offers a wide range of dental plans with different levels of coverage, many with low monthly premiums.Patients often ask if their insurance will cover the cost of dental implants, but it all depends on the insurance you have and the type of implant treatment you receive. Restorations, such as dentures or a dental bridge, simply release the bone, which also causes gum tissue to collapse.
In addition, unless you need dental implants due to an accident, your plan may classify them as a cosmetic procedure and deny coverage.One of the most common reasons why insurers tend to exclude dental implants is that they are classified as cosmetic dentistry. If you're an adult living with missing teeth and don't have any gum disease, you should be a good candidate for a dental implant.
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