How to Get Dental Implants Covered by Insurance

Due to their high success rate and unsurpassed benefits, dental implants are desired by many people in need of tooth replacement. Unlike other tooth replacement options, dental implants provide a permanent solution that looks, feels, and functions like natural teeth.

On the other hand, the price tag for dental implants can be somewhat costlier than other methods of tooth replacement. So, does dental insurance cover implants? The answer to that question is not a simple one. Depending on the dental insurance that you have, a portion of the dental implant placement procedure may be covered. Other aspects of the procedure may not be covered by dental insurance at all.

Standard Dental Insurance and Medicaid

If you have a standard dental insurance policy, you are aware that it typically carries an annual benefit maximum. Generally, this is not enough to cover the costs associated with major dental procedures. With standard dental insurance, it is unlikely that dental implants are going to be covered. The reason for this is most companies that offer dental insurance consider dental implants to be a cosmetic procedure.

Does Medicaid cover dental implants? Unfortunately, Medicaid does not cover the cost of dental implants. However, it is possible to find dental implant insurance that will pay for the related procedures.

Dental Indemnity Insurance Plans

With a dental indemnity insurance plan, you are able to visit any dentist office that you choose and receive services. It is your responsibility to pay for the services when they are performed. Then, the insurer will reimburse you.

Keep in mind that dental indemnity insurance plans are typically going to cost you more than standard dental insurance. However, some will cover the cost of dental implants.

It is important to ask the provider of the dental indemnity plan up front if the cost of dental implants will be covered. In many cases, the plan will cover the cost of part of the procedure, and you will have to pay for the remaining expenses out of pocket.
Can I Finance Dental Implants?

There are a number of different financing options available to help you pay for your dental implants. Choosing the right one can make the procedure much more affordable by allowing you to make smaller payments over time rather than in one lump sum. In fact, you can have your bright new smile before making your first payment.

  • LendingClub is a provider of personal loans that will make it possible to cover the costs associated with a major dental procedure such as dental implants.
  • With a CareCredit healthcare credit card, you have access to special options for dental financing.
  • Alphaeon Credit offers patient financing for dental patients.
  • Proceed Finance has a number of loan options available to help you cover the cost of your dental implants.

Just because you may not have the finances needed to cover all of the costs of dental implants on hand does not mean you are out of luck. Your dental provider will be happy to talk to you about all the options available to ensure you can have the beautiful smile that you deserve.

At EON Clinics, we make it easy to pay for dental implants by offering several payment options, even for those who do not have dental implant insurance.

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