Insurance companies vary in what is covered, based upon the type of plan you have, and the company that covers you. Generally, cosmetic dentistry may not be covered by a standard dental insurance plan, and if the implants are for cosmetic purposes, the company may not allow for the cost. The company may, however, cover the cost if you lost a tooth or teeth in some kind of accident. Some dental insurance plants cover implants. You can find out what plan benefits you have by asking for a summary of benefits from your insurance company. The dental office you work with can also look it up and answer your questions. It is worth asking, as you may be covered, or partially covered.
If you are missing teeth, some insurance plans cover dentures or partial dentures, and that amount may be able to go towards implants, which serve the same function, but with more natural and better results. The quality and skill of your dentist is important if you are seeking implants, as the ability to argue your case with your insurance company could make a difference in whether your implants will be paid, or partially paid, by your dental insurance. Some portion of the procedure could be covered, allowing you to pay less. There are some dental plans available that cover cosmetic dentistry up to a certain limit, and you can get information about these plans from a qualified dental office that practices cosmetic dentistry, such as the Advanced Dentistry & Implant Center in San Diego.
If you have dental insurance through your work, your employer may have purchased optional benefits for you, allowing you to have certain cosmetic procedures, including implants at a reduced rate or up to a certain cost. The first step to take is to talk to a highly qualified and respected dentist and get your specific dental insurance evaluated to determine what may or may not be covered, and the limits of your particular plan. At Advanced Dentistry & Implant Center, Dr. Roya Mirkhan, named one of "America's Top Dentists," can advise you about the various procedures available to you, whether you are a candidate for implants, and what your insurance will or will not cover.