Dental Implant Insurance and Other Alternatives

More and more insurers are covering implants as they become more commonplace. In the past, they were not considered medical necessities. Policies covering only medical necessities did not cover them.

There is still a great deal of debate about whether or not they are medically necessary. There are significant advantages to be sure, but for the most part they are still considered cosmetics.

The main advantage has to do with additional support. When only one or two teeth are missing, bridges or partials have traditionally been used. Those are attached to adjacent teeth through the use of metal clamps.

What some insurers have come to realize is that partials and bridges break. They need to be replaced when they become loose. Because of that, implants last longer. That's why some insurers have decided to cover them at least partially.

Everything depends on the type of policy you have. You might have an annual deductible. Nothing is covered until you meet that deductible. You could choose to lower your deductible, but you can expect to pay higher monthly premiums.

You might not have implant insurance specifically, but your plan might include discounts with in-network dentists. The discounts can be significant. Typically they range from 25-40%.

There are no plans that cover the procedures completely. But there are options.

Your employer may offer a flex spending account. A specific amount is deducted from your paycheck and that amount is deposited directly into the account. The funds in the account can be used for anything from contact lenses to cosmetic surgery. As long as the purchases are related to your medical needs.


As an alternative to dental implant insurance, which could be relatively expensive, you could open your own savings account. You could find out from your dentist how much the procedure will cost and decide on an amount to save out of each paycheck. The procedures have become more affordable. So, it might not take you that long to save enough.

Another solution is the payment plan. Many dentists offer some kind of in-office payment plan for patients who qualify.
, don't give up. Explore your options and invest in your smile. To sum it up, if you cannot find dental implant insurance, don't give up. Explore your options and invest in your smile.

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