Frequently Asked Questions About Dental Plans – Answered
Over the long term dental implants can offer a viable approach to managing missing teeth but you generally do need to pay for the benefits upfront and reap the rewards later. Because implants can cost a few thousand dollars, depending on the complexity of your particular case, many people seek out a dental plan that pays for implants so they don’t have to cover the costs out of pocket.
We’ve collated some of the most common questions about implant cover and answered them for you.
I Have A Dental Plan, Why Won’t It Cover Implants?
Most dental plans fall into two categories: general dental insurance and major dental insurance. General cover gives you allocations for basic check-ups, fillings, professional cleaning and treatments, and is largely considered to be preventative.
Major dental cover includes crowns, bridges, complex fillings and certain restorations, emergencies and treatment for gum disease. It will also have cover for endodontics and orthodontics but will likely exclude dental implants. Dental implants are classified as extras and to get them covered, you will probably need to upgrade your dental plan.
Why Are Implants Are Generally Excluded From Dental Policies?
It’s quite likely that you wouldn’t have realised it at the time of signing your policy but dental implants are listed exclusions on many dental plans. This is because insurance providers do not consider it to be an essential procedure. Dental insurance providers consider them to be elective procedures
Will My Dental Plan Cover A Portion Of The Procedure?
Depending on your provider and contract, your plan could make provision to cover some of the procedure. In these cases it’s important to note if there is a waiting period that could delay your treatment.
Are Dental Implants Worth The Investment?
It may seem like a significant initial outlay but dental implants are an investment in your future dental health. They also have a long lifespan and are created to resemble your natural teeth as closely as possible. They are considered to be the most effective solution for the replacement of missing teeth and are well worth the charges of a skilled dental professional.
How Can I Find Dental Plans That Cover Implants?
There are providers that offer dental implant cover so you do not have to compromise on quality. Familiarise yourself with the terms and note any waiting periods or exclusions. Find out if you have gap cover or if there are any out-of-pocket costs that will apply.
Discuss the costs of your treatment with your dental practitioner and don’t be afraid to ask questions. Check the costs of each line item against your benefit limit so that you can get maximum reimbursement.
Consider Your Health Insurance As An Option
Weigh up the added cost of upgrading your dental plan vs claiming from your health insurance. It is possible that some of the procedure could be covered by your health insurance, making the procedure more affordable.