Will Medical Insurance Cover My Dental Implants?

Dental implants are the best tooth replacement option out there. Because of their unique ability to replace the roots of the missing teeth, they allow for a wide range of additional benefits that you can’t find elsewhere. This includes stability, comfort, and longevity. Dental implants are quite an investment, so the cost is an important factor to consider as you are preparing to replace your missing teeth. Insurance is an option, but will it cover your dental implant treatment? Continue reading to learn how dental and medical insurance can play a role in the cost of your treatment.

Does Dental Insurance Cover Dental Implants?

Dental insurance does not usually cover the cost of dental implant placement. However, it may partially cover other aspects of your treatment. For instance, your plan may cover your X-rays, a percentage of your final restoration (crown, bridge, or denture depending on the number of teeth you are missing and where they are located in the mouth), and necessary preliminary treatments, like gum disease treatment, bone grafting, and extractions.

Does Medical Insurance Cover Dental Implants?

Dental insurance may not cover your dental implants, but what about your medical insurance. Medical insurance plans sometimes include coverage for dental implants, but this depends on the details surrounding your case. For example, if you have experienced a severe injury or accident that resulted in the loss of your tooth or teeth, like a car accident, medical insurance may cover your dental implants because it is deemed “medically necessary” to restore the health of your smile. However, if you have had missing teeth for a long time, medical insurance may not provide coverage.

How to Make Dental Implants Affordable

If you don’t have insurance coverage for your dental implants, this doesn’t necessarily mean that you will be left completely on your own. There are other options out there that can help to make dental implants better fit into your budget. Many practices accept payments through third-party financing companies that can split the cost of your treatment into manageable monthly installments with little to no interest. This way, you won’t be left to pay your whole bill at once.

During your consultation with your dentist, you will go over the financial aspects of your treatment, including what may or may not be covered, so you don’t run into any surprises. By going over your financial options with your dental team, you can work to form a plan to best meet your needs.

About the Author

Dr. Saeed Rouhani is an experienced dentist who has been working in the field for nearly two decades. He earned his Doctor of Dental Surgery from the Baylor College of Dentistry. Currently, he is affiliated with the American Dental Association, Texas Dental Association, and the Dallas County Dental Society. To learn more about dental implants or to schedule a consultation, visit his website or call (972) 733-0999.