Does any dental insurance cover implants?

Question

Does any dental insurance cover implants?

Answer 1

More frequently than not, dental insurance per se is not an indemnity policy; in that sense it differs from a major medical policy in the way that it functions. Instead, it pays a fixed sum for stated services by a dentist who participates in its plan.

However, in situations where, for example, reconstructive surgery is medically necessary due to an occurrence, and implants are a part of the reconstruction, a major medical policy may pay for the implants. Naturally, any payment would be subject to the terms and conditions of the policy, including deductibles and copayments.

Answer 2

An increasing number of dental insurance plans are adding coverage for implants. Press releases from some of the companies announcing the coverage are available on the website of the National Association of Dental Plans in the News Section under Member News Releases. That site also has a directory of dental plans that can be searched by state. (See the related links.)

Applicable definitions that might help to determine coverage in a particular circumstance include these:

Implant: A support for a bridge or denture that has been surgically placed into bone
Bridges: Non-removable tooth replacements attached to adjoining natural teeth when one or a few teeth are missing.
Dentures: Removable artificial teeth in a plastic base that rests directly on the gums. A denture may be complete or partial depending on the number of missing natural teeth.

An analysis of your dental insurance contract or plan is necessary to answer the question definitively. There may be an express inclusion of implants, or an express exclusion of them; in either of those cases the answer is easier to determine than if the contract or plan relies upon the concept of "medical/dental necessity". There, reasonable minds can differ, with the countervailing argument being that an implant is cosmetic in nature. Cosmetic procedures are nearly always excluded, at least without an accompanying medical/dental procedure is "medically/dentally necessary" and that necessitates an accompanying cosmetic procedure.

If, instead of dental insurance (which is an indemnity product), you have or would be willing to purchase a discount plan, you may have a better chance of "coverage" for implants (because there is often a less strict, or no distinction between medically necessary and cosmetic procedures). I hesitate to use the word "coverage" because a discount plan does not assume risk as genuine insurance does. Instead, membership in such a plan gives a consumer access to practitioners who have agreed to extend discounts from "retail" to participants for a menu of services. Important to understand is that the consumer remains fully responsible for the payment of charges, plus the cost of membership in the plan. If you have such a plan, or are going to go this route, you also need to make sure that the selected provider continues to participate in the plan at the time that you commence services, and that the promised discount is what you receive.

Answer 3

Regular health insurance does not typically cover dental implants. One would need to obtain a separate dental insurance for any dentistry related work. Read More

Answer 4

In most cases, dental insurance does not cover elective cosmetic treatment like Lumineers. Read More

Answer 5

Dental makeovers involve whitening, veneers, and implants to improve the look of a person's teeth. Some insurance policies will cover some if these treatments if the patient can prove that it was done for medical reasons and was not strictly cosmetic. The best way to locate an insurance policy is to contact a dentist that specializes in makeover and consult them about available policies. Read More

Answer 6

Hi, i have done project on insurance, any company does not offer such insurance. you can seek medical insurance. Read More

Answer 7

Your insurance is good for any work you have done from this point forward. It does not cover work that was performed prior to having the insurance. Read More

Answer 8

It depends if it's part of your coverage. Review your policy to find out. If there is no dental coverage, ask your insurance provider or broker if you can add a dental plan to your policy or add a dental rider. Read More

Answer 9

To find companies in your state that provide dental insurance or dental discount plans, go to the National Association of Dental Plans site (www.nadp.org) which has a directory of companies that offer dental insurance. The directory can be searched by state and you can select "individual" and get the list of just those companies that provide individual dental insurance in your state. The listing also tells you if the company provides dental HMO, dental PPO… Read More

Answer 10

Yes, it will not cause any problems. Read More

Answer 11

Dental insurance is generally limited in its coverage. You will have to actually read your policy. Even if they are covered the percentage will be lower and the maximum per year will be maxed out as well before the first implant is paid for. Group dental coverage will offer more coverage than an individual plan that you purchase on your own. Read More

Answer 12

A dental implant is a screw or framework made of titanium and other materials that supports a replacement tooth. Unlike bridges, dental implants don't rely on neighboring teeth for support, which can help protect remaining teeth from damage. And, unlike dentures, bone loss is usually avoided since dental implants actually replace the tooth and its root. Dental implants look and function like real teeth, with no telltale "clicking" noises or speaking and chewing difficulties that… Read More

Answer 13

No. But if any dental surgery is necessiated due to accident, the same will be covered under medical insurance purview. Read More

Answer 14

In most cases, dental insurance does not cover elective cosmetic treatment like Lumineers Read More

Answer 15

Any payment for dental work depends on your insurance coverage because there are many different dental insurance policies. You should read through the information for your dental insurance policy. You could also contact the agent responsible for your dental insurance policy. Read More

Answer 16

I haven't been able to find a dentist that will take the medically needy insurance (can I call it insurance?) in my area or any area in South Florida. So my answer is NO. Read More

Answer 17

Your teeth shift and move as you grow so it is a best practice to be done growing before having any dental implants. For girls it is around the age of 18 and for boys, around the age of 21. Read More

Answer 18

No,your homeowners will only pay for someone outside of any household residents. Read More

Answer 19

PPO and HMO, both are acceptable dental insurance. PPO dental insurance allows you to concern other dentist with some limitation coverage. HMO dental insurance provides expert dentist in their network to offer best treatment. You can choose any insurance plan which suits you the best. Read More

Answer 20

That depends on the coverage of your insurance, but there are insurance companies who definitely allow dental braces coverage. However, it is still best to double check with your provider about the terms that goes along with dental braces coverage. For instance, most health plans only covers orthodontic treatments (partially) for minors or children under 18. If you're planning to get a dental braces, but your health plan doesn't include orthodontic coverage (e.g. teeth whitening… Read More

Answer 21

I don't know any dental schools around GA, but if you want you can try Placidway's website to find dental clinics/hospitals in your chosen location or country. They have a huge list of dental clinics and hospitals for you to choose from. Read More

Answer 22

The overwhelming majority of dental implants placed today are root-form endosseous implants. That is they appear similar to an actual tooth root, and are thus called "root-form". Dental implants are placed within jaw-bone (Gk. end-osseous). The jaw bone in turn "osseointegrates" with the dental implant's outer surface. The term "osseointegration" refers to the fusion of the dental implant surface with the surrounding living bone, and unlike a real tooth, dental implants will lack a natural… Read More

Answer 23

If you are looking for a good dental insurance that you can find in almost every stated, delta dental is the one to call. They are always willing to help and answer any questions you might have. Read More

Answer 24

What is the Canadian Dental Code for crown buildup, incl. any pins? Read More

Answer 25

I'm not aware of any insurance companies that cover Viagra. Read More

Answer 26

I'm not sure of any dental schools in central florida, but if your biggest concern is an affordable dental program. To find companies in your state that provide dental insurance or dental discount plans, go to the National Association of Dental Plans site (www.nadp.org) which has a directory of companies that offer dental insurance. The directory can be searched by state and you can select "individual" and get the list of just those companies that… Read More

Answer 27

To find companies in your state that provide dental insurance or dental discount plans, go to the National Association of Dental Plans site (www.nadp.org) which has a directory of companies that offer dental insurance. The directory can be searched by state and you can select "individual" and get the list of just those companies that provide individual dental insurance in your state. The listing also tells you if the company provides dental HMO, dental PPO… Read More

Answer 28

There is no product called cometic dental insurance. Dental insurance generally excludes any procedure that is done for costmetic reasons. That said, crowns are not usually cosmetic but to restore the function of the tooth and would be covered. In most dental plans, crowns are covered at 50%. So you will pay half of the cost of the procedure at the discounted rate negotiated by the insurer with the dentist. The exception to payment for… Read More

Answer 29

Titanium will not turn your finger green or affect the skin in any way. It is completely hypoallergenic which is why it is used for medical implants such as knees, hips, heart valves, and dental implants. Read More

Answer 30

Auto insurance will not cover a boat under any circumstances. Read More

Answer 31

State insurance does not cover abortions. This goes for Oklahoma and any other state. Read More

Answer 32

No. There is no way that a homeowners policy would cover any medical costs for the insured or any family or household member. That is what health insurance is for not house insurance. Read More

Answer 33

TX Insurance offer health insurance, accident insurance and dental insurance to customers, they also provide customers with free quotations to any of their insurance services. Read More

Answer 34

Dental insurance would possibly cover a part of braces. Dental insurance sold on a group basis has different plans and only the most costly plan covers orthondonture and even then it only covers a portion of it with a dollar amount cap of $1000-$2000 depending on the plan itself. I don't know of any individual dental plan that covers braces. As a matter of full disclosure, I own and operate a smalltown Independent Insurance Agency… Read More

Answer 35

Generally, no. Cosmetic surgery is not usually covered under most insurance plans. (If we're talking about reconstruction after breast cancer treatment that's different.) What's more, any treatment of complications may not be covered by your health insurance. Typically, insurance companies will not cover breast augmentation or any reoperations and additional doctor visits following augmentation. Your insurance company might even increase your premiums or drop your coverage. Before surgery, you may wish to get answers to… Read More

Answer 36

The cover amount in insurance is the amount of money that covers the said person up to a certain amount of money just in case of a of any accidents or deaths. If any of these cases arise the insurance company pays you an agreed upon cover amount. Read More

Answer 37

In order for one to have insurance cover bodily injury one would have to have bodily injury insurance. This is good insurance to have as it would cover injuries to any persons that one injures in an accident. This liability insurance would cover any amount one is obligated to pay for injuries sustained and related costs. Read More

Answer 38

It's secondary or tertiary insurance that is held to cover any medical expenses the primary insurance policy does not cover or does not cover completely. Read More

Answer 39

No insurance companies will cover the cost of a tubal reversal. This is an out of pocket procedure if you wish to have it. Read More

Answer 40

no, the driver has to be on your insurance or have there own insurance. if your driving and the persons with you then yes Read More

Answer 41

A lot of insurance plans that cover maternity care / pregnancy will cover C-Sections for any reason. Read More

Answer 42

Auto liability insurance is specifically designed to cover any damage caused to other vehicles if you have an accident. It does not cover reapirs to your own vehicle. It is by law the minimum requirement for insurance in every state. Read More

Answer 43

All life insuance policies cover death by acts of terrorism because all life insurance policies cover death by any cause at any time in any place. Read More

Answer 44

No. This is a maintenance expense and insurance is not designed to cover this type of expenses. Homeowners insurance offers more coverages for the money than any other insurance policy but it is not made to cover maintenance or normal wear and tear on the home. Read More

Answer 45

No. You homeowners insurance specifically excludes motorized vehicles. You auto insurance will cover damage you did to their home with your car. Your homeowners is not designed to cover damage you do with your vehicle under any circumstances. Read More

Answer 46

That depends on the insurance that you and the friend have. Your insurance may cover your son in any vehicle. Same as with the friends insurance covering any driver. You just have to call and ask. Read More

Answer 47

There are many dental plans out there, however, without empoloyment, they will most likely cost you more. You can discuss this with your dentist or ask others for any suggestions. Read More

Answer 48

Dentures can be made fixed with the help of dental implants. If being fixed is considered to be permanent then yes dentures can be permanent. Basically any dentures rather any dental treatment requires proper followups and maintenance, if you follow it properly it will serve you for longer time. Hope this answers your question. Read More

Answer 49

Auto insurance is for cars not for people. You can buy insurance on yourself so contact any insurance agent. Read More

Answer 50

Depends. If said friend has insurance then in most cases their insurance will cover the damages due to vicarious liability. If the friend does not have insurance, you are then responsible for any damages caused. Read More

Answer 51

Insurance does not cover marriage counseling because it is not considered "medically necessary." In order for insurance to cover any counseling services, there must be a mental health diagnosis in place for the counseling / therapy treatment to be considered "medically necessary." Read More

Answer 52

i live in Ontario and have no dental coverage my teeth are bad and need to all come out what do i do they make me very sick Read More