November 10, 2020
Considering dental implants to replace your missing teeth? While this superior form of tooth replacement is becoming increasingly popular, many patients turn away from treatment because of the lack of coverage provided by their dental insurance in Phoenix. Before you do the same, read on to find out how much or if your policy offers this available benefit and how you can be sure to maximize your plan before it renews at the beginning of the year.
Will Insurance Cover Dental Implant Placement?
It is highly unlikely that your dental insurance company will agree to cover the surgical placement of your dental implants. Here is why:
Many companies still view this type of restorative procedure as cosmetic, meaning they will not provide available coverage because it is not deemed “medically necessary.” This goes for both dental and medical insurances. However, some insurers are changing the way they look at this type of procedure. While they may not cover the entire cost, they might offer to pay for a portion or various aspects of treatment (i.e. pre-implant dental work, custom restoration).
The only guaranteed way to know if your insurance company will pay any or all of your treatment is to either call and speak to a representative or allow a member of your dental team to work on your behalf. It is through these discussions that you can determine who best to care for your smile and how to get the most out of your policy before the end of the year.
Why Using Your Benefits Matter
The reason it is necessary to find out whether your dental insurance will pay for treatment is to not only lower your out of pocket expenses but also to ensure more of your annual maximum is not returned to them at the end of the year. Dental benefits do not roll over, so if you want to keep more of your hard-earned dollars, you should inquire about coverage and start treatment before December 31.
By doing this, you can significantly decrease your out of pocket expenses. And because dental implants are a costly upfront venture, you will want to make sure you have a plan as to how you will pay for each stage of treatment.
Here are a few things you can do to save yourself a lot of money when replacing your missing teeth:
- Check with your medical insurance company to see if your situation qualifies for coverage. If you need dental implants in Phoenix because of a medical condition, facial trauma, or you have a congenitally missing tooth, you may qualify.
- Find out if you can file claims with both medical and dental insurance. It may be possible to have your dental insurance pay for your restoration and any pre-implant work, and your medical insurance pay for the actual implant placement.
- Look at your annual maximum. If you receive dental insurance coverage, make sure you can use all of your annual maximum to at least start treatment. If possible, your dentist may be able to spread out your treatment across calendar years so you can use both 2020’s and 2021’s yearly allotted amounts.
You have many options when it comes to dental implants, so do not let the potential for a lack of dental insurance coverage stand in your way. You deserve to walk into 2021 with a newer, healthier smile, so let your dental team help you find a payment solution that works for you.
About the Author
Dr. John Ludu is a dentist in Phoenix who earned his doctorate at the Tufts University School of Dental Medicine. Undergoing various specialty education courses, he has more than two and a half decades of dentistry experience. Dr. Ludu and the dental experts at Devoted Family Dental want to make sure you get the most out of your dental insurance coverage. Should you require dental implants to replace your missing teeth, their team can help you navigate the financial aspects of care, making sure you maximize your benefits and save the most money. Contact us at (623) 444-6222 to learn more.
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