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Today more people are choosing dental implants to replace their missing teeth, instead of opting for conventional treatments like bridges or removable ‘flipper’ prostheses. Dental implants mimic tooth roots and give a look and feel closest to that of natural teeth, which can make an enormous difference in your appearance and the way you chew.
Most dental insurance plans don’t cover implants, considering them “cosmetic treatment” but an increasing number of plans are adding implants to their lists of covered procedures, and charging higher premiums. It makes sense to compare the offers and read the fine print before deciding on a plan. Ask your insurance agent and research online to find the best deal.
If you’re paying a high premium for your existing plan, it may already cover implants. Some plans offer to cover half the costs of certain higher cost dental treatments such as implants. Shop around for a plan that’s best for you. To avoid any surprises, make sure to be aware of what your plan offers, and how it fits with your finances and needs.
At times, medical insurance can cover some of the add-ons in implant surgery. If the implants are medically necessary or there is a lot of bone loss and bone grafting is needed, a medical insurance provider will sometimes cover the cost. Ask your dentist if they can bill the medical insurers for some of these services.
You could also consider medical flex spending accounts, which pays for medical services not covered by your insurance provider, and you also get tax benefits. Check out your employer’s policies for the cap on a flex spending account and if it can be used to reimburse implant surgery costs.
If your insurance doesn’t cover them or if you have no insurance, be sure and ask your dentist if they offer financing options.
