Some insurance plans cover parts of dental implants. However, it's important to understand the type of treatment you need and. However, it's important to understand the type of treatment you need and what your plan will pay for before you go ahead. Many insurance companies consider dental implants to be simply a cosmetic procedure and are therefore not a medically necessary procedure and do not cover them.
But anyone with missing teeth knows that replacing missing teeth is critical to their overall health and well-being. Dental implant insurance coverage will help make the cost of dental implants more affordable. If a patient's insurance plan includes implant coverage, it will designate a certain percentage to be paid by the insurance company, up to the annual maximum (more information on annual highs below). After one year, dental implant coverage increases to 40% and, for the second year, covers 50% of dental implants.
Contact your health insurance provider to determine if there is any coverage available for dental implants. In addition, some plans may include exclusions for pre-existing conditions that could make you ineligible for implant coverage. The disadvantage is that preventive care is 100% covered within the network for Plan III subscribers and not for Plan II. Plus, with a generous annual maximum that's twice that of many other plans, an extensive network of providers, and the maximum annual transfer feature for any unused benefit, Anthem's Essential Choice Platinum is an excellent general dental insurance plan for implants.
If you want to get as much support as possible in most or all of these areas, it's best to enroll in a comprehensive plan that covers a variety of basic and core services. According to the website, Renaissance Dental is available in 14 states and handles the claims of more than 13 million people within its family of companies. Humana group life plans are offered by Humana Insurance Company or Humana Insurance Company of Kentucky. Keep in mind that, due to the lack of a teeth clause, some insurance plans won't pay for the replacement of a missing tooth before the policy went into effect.
Humana offers a wide variety of dental plans with different levels of coverage, many with low monthly premiums. We recommend that you ask your dental office team for help in determining how your coverage and coinsurance amounts work before scheduling treatment. If you don't have dental insurance that covers your implants, you may be able to pay for the procedure by consulting your dentist about payment plans or financing options.