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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.
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.
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Does health insurance cover dental implants?
Regular health insurance does not typically cover dental implants. One would need to obtain a separate dental insurance for any dentistry related work.
Will PPO dental insurance cover all the costs of a root canal?
PPO dental insurance does not cover all the costs of a root canal. The usual coverage % ranges from 20 to 50% depending on your insurance. will any dental insurance cover inplant? will dental insurance cover any costs of inplants
Does any dental insurance cover lumineers?
In most cases, dental insurance does not cover elective cosmetic treatment like Lumineers.
What are the costs and benefits of dental implants?
I think dental implants are the best way to go. Most people I know don't like their dentures because they just don't seem to fit right and have to be cleaned. If you have any type of insurance for dental work it might help cover the cost.
Are there any insurance policies that will cover dental makeovers?
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.
Are there any insurance co that cover for breast implants due to a-symetrical breasts?
Hi, i have done project on insurance, any company does not offer such insurance. you can seek medical insurance.
I need to find a low cost or free dental implants.?
please let me know where a cheaper implant dentest is? you will not get free dental implants. You can reduce expenditure by buying proper dental insurance well in advance. where do you find implant dental coverage? I cannotfind any on the net? thank you
Dental work was done when I did not have dental insurance and now that I have it can it be used?
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.
Can i get my medical insurance to cover any dental?
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.
Can you have an MRI if you have dental implants?
Yes, it will not cause any problems.
Are there any health insurance companies that cover dental implants since dental insurance considers it a cosmetic procedure?
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, dental indemnity (traditional insurance without a network) or a discount plan (not insurance but a discount off the dentist's fees who are part of the discount network).* Unlike most dental procedures, you can expect to pay 100% of the cost of a cosmetic procedure out of your own pocket. Your dental insurance company will typically not pay for purely cosmetic procedures. Usually, insurance only covers the costs of procedures required for a functional purpose. In cases where there is both a functional and cosmetic need for a procedure, e.g. crowns that protect and improve the appearance of your teeth, and insurance companies typically only covers the amount required to protect the tooth. * Your best bet it to shop around for the best prices for implants. * Actually, more dental plans are adding coverage for implants as an alternate to a bridge or for a single tooth space. A 2008 report by the National Association of Dental Plans found that most Dental PPO and Dental Indemnity Plans of the reporting companies either include implants in standard coverage or offer it as an added benefit. Health insurance companies generally do not provide coverage of dental procedures except for oral surgery that results from an accident or injury.
What are tooth implants?
Teeth implants or dental implants are used to make fake looking teeth. The roots of the teeth are implants through a good procedure, if you are dealing with missing tooth due to cavity, tooth decay or any other cause, dental implants are a great option. Teeth of the whole mouth can be replaced through dental implants.
