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Dental Insurance for Implants

Updated on February 5, 2010

When preparing for dental implant surgery, it’s important to know how to minimize your out-of-pocket expenses, as there are many factors that influence insurance coverage.             

Recently, there has been an increase in insurance coverage for dental implants, as many health insurance companies have recognized that dental insurance for implants leads to better nutritional health for patients and is a resolution to traumatic events.  However, a dentist must have policies in place that best promote aid in providing dental insurance for implants.

Increase Your Chances of Insurance Coverage

  •  A clear, detailed diagnosis. Insurance coverage will always require clear details on the reason for the request for dental implants. The details of the diagnosis will have to clearly lead to the conclusion of a dental implant procedure.
  • Proper Coding. Dental insurance coverage for dental implants is never guaranteed, but proper coding will increase chances greatly. The dental implant center in which you are having your work done will need to be up-to-date on all new codes in order to code the procedures correctly and minimize your out-of-pocket expenses.
  • Traumatic Events. Trauma related incidents will always be covered by medical insurance. In order to be covered, these events need to be reported to the ER within 24 hours.
  • Diabetes. Diabetic patients will be covered by most medical insurance for dental implants, depending on your benefits. However, patients will need to provide a full diabetic history from their physician.

An ideal dental office will be in a position where they can do the research necessary to help patients be able to afford the treatments they need.  However, there is never a coverage guarantee until all forms have been filed and processed. We can; however, submit a predetermination letter to a patient’s insurance company detailing the cost of the treatment needed. The insurance company will generally reply in a few weeks with what they are estimated to pay for the procedures. Since many insurance companies will not cover implants, this will help eliminate the element of surprise.


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