Dental implant insurance : A much needed coverage for a costly procedure

Loosing a tooth is a painful and common occurrence. Modern dental procedures and options like dental implants provide a welcome respite from this permanent loss. Tooth loss brings a whole host of complications apart from the obvious discomfort of an awkward appearance and loss of self esteem; gaps between teeth makes chewing food difficult, causing digestion problems; temporary dentures and teeth bridges are often very uncomfortable and do not aid is chewing of food; speech is also affected because of the movement of the dentures, often leading to slurring of words which can be embarrassing. Dental implants provide the best solution for a permanent tooth loss but this procedure is very costly. Dental implant insurance can be availed to overcome this predicament.

Dental implant procedure is a fairly long one, requiring many ’sessions’ with the dentist. Most of the dental insurance plans do not cover the entire cost of the procedure but offer to ‘co pay’ the total cost with the insured. Another option is that the implant coverage is given after the specified deductibles have been paid by the insured. In any case, most dental implant insurance plans do not start the coverage immediately. There is often a waiting period before the coverage commences. This causes unnecessary delays because loss of a tooth is generally an unforeseen situation which demands immediate attention or rectification. It is better to check the policy coverage details and requirements before signing a dental implant insurance plan.

Dental implants are generally not covered in the dental insurance plans. It is a common misconception to think that implants are a part of the regular dental plans. Most insurance companies treat dental implants as a cosmetic procedure and so they do not cover them as a part of their regular plans. This erroneous depiction puts the insured at a disadvantage as he has to either cover the implant cost by himself or has to opt for an additional dental implant insurance plan. However implant coverage can be obtained as an additional or added benefit to the dental insurance plan by paying an extra premium amount. Even then, the total cost will not be covered and the insurer will pay only a percentage of the entire cost.

Some group and individual dental insurance plans have a rider that pays only for the ‘least expensive’ tooth loss treatment. This should not be assumed as a coverage for dental implants. There are other procedures that cost lesser than implants and if you have a policy with this rider, you will outright be rejected for a coverage on dental implants. Dental Implants are the most effective tooth loss procedures that are available today and they are also one of the costliest. While it is improbable for the insured to cover the entire cost of the procedure, they have the benefit of recovering a part of their cost via dental implant insurance. As is the case with any insurance plan, dental implant insurance coverage offers the added security and financial cover if and when the need arises.

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