Dental implants are a popular and effective solution for missing teeth, but they can be expensive. While some dental insurance plans cover implants, many do not, leaving patients to foot the bill themselves. In this article, we will explore the best dental insurance options for implants, including what to look for when choosing a plan.
Determine What is Covered
Before selecting a dental insurance plan, review the policy’s benefits to determine if implants are covered. Some plans may cover only a portion of the cost, while others may exclude implants entirely. It’s important to understand the details of the policy and the limits of coverage before selecting a plan.
Consider the Waiting Period
Some dental insurance plans have a waiting period before coverage for implants begins. This can range from a few months to a year or more. If you are in need of implants in the near future, it’s important to choose a plan with a shorter waiting period.
Look for a High Annual Maximum
Dental insurance plans often have an annual maximum that they will pay for covered procedures. Look for a plan with a high annual maximum to ensure that you have adequate coverage for implants.
Check the Network
Dental insurance plans often have a network of providers that they work with. If you have a preferred dentist or periodontist, check to make sure they are in the plan’s network. Going out-of-network may result in higher costs or reduced coverage.
Compare Plans
It’s important to compare multiple dental insurance plans to find the best coverage for implants. Consider the cost of the plan, the coverage limits, the waiting period, and the network of providers. Don’t be afraid to ask questions or seek guidance from your dentist or periodontist.
Some of the best dental insurance plans for implants include Delta Dental, Cigna, and MetLife. These plans offer varying levels of coverage for implants, so it’s important to review the details of each plan before making a decision. Keep in mind that dental insurance plans can change, so it’s important to review your coverage regularly and make adjustments as needed.
