Dental Insurance to Cover the Cost of Dental Implants12 Nov, 2015
Dental Insurance to Cover the Cost of Dental Implants
Consider a few things. Have you spoken at length with your dentist about the procedure, what it involves, and getting down to the nitty gritty, what it will cost, including taxes, down to the last penny? If you presently do not have any kind of dental insurance, bear in mind that once you sign a policy with a company many plans clearly state that you must wait a year before you go ahead with any dental work. An option is to look to a dental HMO as many do not have any waiting periods whatsoever (or some do but it might be only a matter of months as opposed to a year). If you have an insurance policy that covers
dental work then congratulations, but look at your policy very closely and carefully as many policies cover such procedures as regular check ups, cleanings, fillings and extractions but not cosmetic procedures such as orthodontics and dental implants. Don't find yourself in a no-win situation by not doing your homework ahead of time.
Check you policy and see what it does (and does not) cover before you schedule an appointment for dental implant surgery. Some insurance policies do not cover conditions that were pre-existing before the policy began (for instance, broken or missing teeth), while others pay a certain amount or in some cases, pay for the "least expensive alternative treatment" (abbreviated to LEAT), according to the guidelines set down by the insurance company.
If you are considering choosing a new insurance plan and/or selecting one for the first time, you need to ask yourself a number of relevant questions found below.
First of all, if it is a plan that is offered by your workplace, are you as an employee allowed to pick your own dentist or will he/she be chosen for you? Secondly, is the kind of dental treatment you choose to undergo decided upon by yourself as the patient and the dentist, or there is a third party involved in the decision making process? Thirdly, does the insurance plan in question cover such services as diagnostic, emergency and preventative care? Preventative care would cover such things as fluoride treatments and sealants. Also would full-mouth x-rays be covered by the plan? (One a year? Two?)
The next question would be, what kind of routine dental work is covered under the policy? Are these types of dental work done- bridges, braces, crowns, root canals, treatment for periodontal disease and oral surgery? Does the insurance plan cover dental implants, dentures or treatment for temporomandibular disorders? If it does then how much does it cover in terms of percentages? Is emergency dental work covered by the dental plan? Finally, does the plan address referrals that come from dental specialists? Can a specialist be chosen by the patient or not?