Where can you find individual insurance covering cosmetic dentistry such as implants, dentures, crowns, bridges, and veneers?
If you cannot get group coverage at work, the best answer depends on why and when you need permanent replacement choppers. Searching by provider names has no value.
People with teeth that are already missing should look at financing and discount plans.
Patients with existing teeth can buy a policy that makes each procedure stage more cost-effective.
Dental Implant Insurance for Missing Teeth
Patients with missing teeth frequently shop for individual dental implant insurance with no waiting period for cosmetic procedures. Look no further if this describes your situation. You will not find a provider willing to trade hundreds of dollars in uncertain premiums for thousands of dollars in certain claims.
All new policies contain a missing tooth exclusion – no exceptions!
The companies will not pay claims for pre-existing conditions. Use a combination of financing and discount plans instead.
No Waiting Financing
Dental implant financing programs have no waiting periods for qualified borrowers. You can begin immediately. Patients with missing teeth often must fund the majority of cosmetic expenses completely out-of-pocket. Quick access to cash helps.
Consult with your oral surgeon or prosthodontist in order to obtain a treatment outline and full cost estimate. This helps you gauge the principal amount to borrow. Long-term contracts often have lower monthly payments.
No Waiting Discounts
Individual discount dental plans include implants and other cosmetic procedures with no waiting period. These savings vehicles are often the best alternative for reducing costs for patients with missing teeth and no coverage already in force. The reason is simple. It is the only option!
Dental savings plans offer immediate discounts on oral care from participating practices (10% to 60%) depending on the service. Unlike insurance, they do not contain the three common exclusions limiting payments for pre-existing conditions.
Dental Implant Insurance for Existing Teeth
Patients with unhealthy teeth still in their mouth have the best chance of getting individual dental insurance to pay for cosmetic procedures such as implants, dentures, crowns, bridges, and veneers. The missing tooth exclusion does not apply, making it possible to make the treatments much more reasonable.
Most providers and low-cost plan designs (PPO or DMO) will classify the treatment as cosmetic dentistry and not cover anything. However, three types of policies will pay claims at different stages of the process and healing times often outlast many waiting time limitations.
- Medical insurance includes medically necessary treatments right away
- Fee-for-Service graduates immediate benefit percentages each year
- Supplemental policies have varying wait times for each procedure
The out-of-pocket cost of dental implants after insurance depends on many factors.
- Annual maximum benefit
- Network coverage
- Included benefits
Your dentist may recommend a CAT scan (Computerized Axial Tomography) in order to determine if you are a candidate for implants. The scan helps to answer three treatment-related questions.
- Do you have enough bone to support implants?
- Measures the height, width, and depth of the jaw
- Spot weak areas and structural anomalies
Most dental plan types will not pay for the CAT scan. However, medical coverage may when given facts supporting the necessity. Ask the office manager to submit a preauthorization request including the ICD 9 or 10 reason codes.
Cosmetic dental grant programs typically cannot help with diagnostic testing. Seniors, single mothers, veterans, cancer patients, recovering addicts, and the disabled should be on alert.
People with diseased unhealthy teeth that need extraction can choose between multiple options during this initial phase of the implant procedure. Many dental and medical plans include coverage for oral surgery.
- Private health insurance when medically necessary
- Fee for Service includes a gradually increasing benefit each year
- 1st 25%
- 2nd 50%
- 3rd 65%
- Supplemental dental coverage after a 6-month wait
An oral surgeon may perform bone grafting if your jaw is not strong enough to support implants. The surgeon may take a piece of bone from another part of your body or use an artificial material and graft it into the weak areas of your jaw.
- Private health insurance may pay for the bone graft right away when medically necessary such as after an accident or as a follow-up to a disease-related condition.
- Medicare covers services that are an integral part of a covered procedure
- Fee for Service is the same as above
- Supplemental dental coverage pays for bone graft surgery after a 6-month waiting period. This is not a terrible delay once you factor in healing time after an extraction.
Allow between 4 to 12 months for the graft to fuse with your jawbone (Osseointegration).
Placing the Body
The oral surgeon then must perform a third operation to place a root replacement body in your jaw.
Many medical insurance plans might cover the surgical placement of the implant body to replace the missing tooth root. Shop around for a new policy if your existing coverage does not include this benefit. The law requires benefits immediately after the effective date.
Some people can enroll right away if they experience a qualifying life event. Otherwise, you can begin a new policy on January 1 of each calendar year.
The healing time for this step in the process is 4 to 6 months.
A periodontist may then perform a fourth surgical procedure to insert the abutment. This process involves cutting the gums surrounding the healing cap, removing the cap, and screwing in the abutment. The abutment serves to support or connect the crown, bridge, or denture to the implant body embedded in the jawbone.
- Private medical does not cover
- Fee for Service works the same way again
- Supplemental dental insurance has two sets of waiting periods that may have only a minor impact.
- A 6-month waiting period for periodontal surgery may not apply to patients needing grafts or longer recovery from the initial body placement
- A 24-month waiting period for abutment hardware adds only a 6-month delay for a patient needing the maximum healing time after extractions, bone grafts, and body placement surgery in the jaw.
Dentures Bridges Crowns
Patients find that options narrow the most for dental insurance including both implants and dentures, bridges, and crowns. In this case, the dentures, bridges, or crowns are the artificial teeth that fit over the abutment and complete your new smile.
- Private health will not cover
- Fee for Service is consistent with other steps
- Supplemental policies cover dentures after a 24-month wait
A prosthodontist can recommend a variety of artificial tooth configurations.
- All on 4 fixed full-arch restoration
- Implant-supported-bridge with crowns
Individual cosmetic dental insurance can help pay for porcelain veneers in a different way. Veneers are laminates that adhere to the front tooth surface to improve appearance, strength, and resilience.
Veneers help patients with existing teeth in good health. The treatment does nothing to restore oral function. The primary benefit is aesthetics. Therefore, most dental insurance companies will not cover the expense.
- Private health never pays for veneers
- Fee for Service options may cover veneers
- Supplemental policies have an optional cosmetic dentistry rider with a 24-month wait
- Labial veneers
- Occlusion adjustments
- Enamel microabrasion
- Internal and external bleaching