In the past, the answer to the question, “Are dental implants covered by dental insurance?” was a simple one: No. That’s beginning to change as more and more insurers begin to recognize the benefits of dental implants over traditional dentures. Here are some common questions our patients have about paying for their dental implants.
Will My Insurance Cover the Cost of Dental Implants?
Sometimes. It depends on your insurance plan’s underwriting. Call NJCOSA and we can verify your coverage for you or provide you with the necessary codes so you can contact your insurance company yourself to verify.
Dental insurance plans that cover the entire cost of implants are still rare, unfortunately. Your chances of full coverage are best if you’ve already begun to suffer medical complications from tooth loss, like deterioration of the jaw bone, or if your tooth loss is the result of an injury or accident. Some plans will not cover the titanium posts that are implanted into the jaw, but they do cover the crown that’s attached to them.
Why Are Dental Implants So Expensive?
Getting dental implants requires multiple office visits, one or more surgical procedures, anesthesia, and the fabrication of custom-made crowns in a professional dental lab. This is why implants are more costly than dentures and bridges, which require fewer visits and no surgery. Dental implants are designed to last a lifetime with proper care, so while you will pay more upfront, in the long-term, you may end up spending less because you won’t need to have your implants replaced every few years like you do with dentures and bridges.
If My Insurance Doesn’t Cover the Cost, What Other Options Do I Have?
We accept Visa, MasterCard, American Express, and Discover. We also offer financing for dental implants through CareCredit®. CareCredit works like a credit card, but it can only be used for medical and dental procedures. Once you’ve been approved for CareCredit, you can use it not only at our office, but at other providers as well for things like dermatology, braces, and even veterinary care for your pets.
Should I Get Dentures Instead of Implants?
If cost is an obstacle for you, you may feel that the only option you have is to get dentures. Unfortunately, bone loss in the jaw continues unabated when you choose dentures over implants. Luckily, there’s another way to get the benefits of dental implants at a more affordable price tag.
NJCOSA offers implant-supported dentures. This places dental implants in the jaw to serve as an anchor for dentures. Because each tooth isn’t being replaced with its own implant, this option is more affordable. With implant-supported dentures, you get more stability and less slippage than traditional dentures, and the implants help keep the structural integrity of your jaw bone intact.
Learn More About Dental Implants in New Jersey
If you have questions about dental implants or your insurance coverage, contact us to schedule an appointment at one of our 3 New Jersey locations.