Does Insurance Cover Dental Implants

After learning of the cost of dental implants, many patients have a single question: Are they covered by my insurance? While this might seem like a yes-or-no question, the answer is not so simple. Coverage of dental implant surgery can depend on whether medical insurance, dental insurance or both could apply to the procedure. Just how much an insurance plan covers can depend on:

• Insurance provider
• Plan coverage details
• Plan annual limits

Patients should always have discussions about insurance coverage with their oral and maxillofacial surgeon’s office staff.

What Kinds of Insurance Cover Dental Implants?

Some insurance plans cover implants, and some do not. Each patient needs to investigate their options and discuss the extent of the surgery with their oral and maxillofacial surgeon (OMS). Questions may include: Is there a prior tooth extraction? What about anesthesia? What about bone grafting?

Patients also should contact their medical and dental insurance companies. Here are some potential scenarios to keep in mind:

• If a dental insurance policy covers implants, be sure to review the plan’s annual limit as there may be some additional out-of-pocket costs.
• The crown attached to the abutment of a dental implant may be covered under some dental plans.
• Some medical insurance plans are beginning to cover aspects of dental implants, especially if there are medical complications as a result of tooth loss.
• Insurance covering injuries and accidents that require the replacement of one or more teeth may allow for dental implants.
• Benefits depend solely on the individual policy. Do not base your medical budget decisions on anyone else’s experience.

Consult an OMS for Dental Implant Costs