The level of coverage will depend on factors like whether the plan considers implants medically necessary, annual maximum benefits, coinsurance rates, and deductibles.
Many plans cover 50% to 80% of implant costs, but some only cover basic procedures or don’t include implant coverage at all. Patients should check their dental insurance policy details to find out their implant benefits before undergoing treatment.
When Dental Insurance Won’t Cover Implants at All?
Some dental insurance plans provide no coverage at all for dental implants. This situation is more common with basic or preventive dental insurance plans that focus only on routine cleanings and exams. These plans classify implants as a complex restorative procedure and exclude coverage.
If your dental insurance policy does not list implants as a covered benefit, you will have to pay the full costs of the procedure out-of-pocket. This can make implants unaffordable for some patients.
Always check your policy documents carefully or speak with an insurance representative to find out if any portion of implant costs will be reimbursed before undergoing treatment.
Alternatives If You Don’t Have Implant Coverage
If you find out your insurance plan excludes dental implant coverage completely, don’t panic. There are ways to reduce costs if you are set on getting implants.
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First, ask your dentist if they offer any discounted rates for patients without insurance or financing options that allow you to pay over time. Certain dentists may be willing to work with you on the costs.
Second, look into dental schools with supervised student clinics that offer implants and other procedures at dramatically reduced rates.
Finally, dental tourism to countries like Mexico, Costa Rica, or Thailand can cut costs as well. While the travel expenses must be accounted for, the implants abroad are much less expensive.
Though the savings are enticing, be sure to evaluate the quality of care and credentials of foreign dentists thoroughly first.
Out-of-Pocket Costs to Expect with Dental Implants in USA
The costs associated with dental implants can vary based on your case, but you should expect substantial out-of-pocket expenses even with insurance.
For a single implant, patients often pay between $1,500 to $3,000 out-of-pocket on average. This may be higher if you need bone grafts or other preparatory procedures.
It also doesn’t include the abutment and crown costs, which can each run from $500 to $3,000 depending on the materials used.
For a full mouth of dental implants replacing multiple or all teeth, the total costs without insurance can easily exceed $25,000 to $30,000. In some cases, costs can approach $40,000 or more for full-arch restorations.
As you budget for implants, be prepared for the likelihood that insurance will not cover the entire amount and you’ll have significant copays.