Are Dental Implants Covered By Dental Insurance?

Dental implants are excellent replacements for damaged or missing teeth. Surgically implanted into the jaw, they replace your tooth's root and crown.

Dental implants have benefits that go far beyond the cosmetic. They can preserve the strength of your jawbone, keep other teeth from moving, and improve your oral health. Many dentists recommend implants as the most advanced replacement for missing teeth.

However, dental implants require a financial investment. Many patients need to know whether their dental insurance covers any part of the implant procedure or the work needed to prepare for it.

The short answer is to check your policy. Most dental insurers consider implants purely cosmetic, meaning they will not cover the procedure. However, special circumstances could mean the insurer may provide partial coverage under your medical or dental policy.

How Most Insurers Cover Dental Restorations

Most insurers are willing to pay for part of the cost of restorative dentistry treatments, but they require you to choose the lowest-cost option that will work in your case. For example, if you are missing a single tooth or a few teeth, they may cover approximately 50% of the cost of a bridge. If you are missing multiple teeth, they may cover 50% of the cost of a denture.

Situations That May Receive Partial Coverage

Even if your dental insurance does not cover the cost of the surgery and the implant post itself, it may cover part of the crown, bridge, or denture that completes your restoration. It is certainly worth bringing this question to your insurer and finding out whether you may have partial coverage. We can help you understand your individual policy.

When Medical Insurance May Cover Some Costs of Dental Implants

You may receive implant coverage from your medical insurer if you have undergone unexpected physical trauma, such as a car accident. If you have a condition that resulted in congenitally missing teeth, your medical policy may cover implants. Finally, your insurer may provide some coverage if you have a medical condition leading to tooth loss.

Why Implants Are Worth the Cost

A dental implant represents a significant investment in your oral and overall health. The benefits of dental implants go far beyond cosmetic, allowing you to maintain better oral health, preserve your jawbone strength, and regain chewing and speaking function.

Call Chimon Family Dentistry

Dental implants may not receive automatic coverage from insurers, but you may be able to claim special circumstances that lead to partial coverage. Every dental insurance policy is different regarding whether they will cover implants

If you need help determining whether any part of your dental implant treatment would receive insurance coverage, please call our office at 516-877-2737. Our expert team members can help you understand your policy and whether you can expect assistance from your insurer.