Dental implants are the preferred treatment for missing teeth. But paying for implants can be complicated because this procedure is expensive and typically is not covered by dental insurance. If you have Careington Dental Insurance, and you need dental implants, will your policy provide coverage?
Careington dental insurance typically provides at least some coverage for dental implants. Let’s take a closer look at what dental insurance covers, what it might not and other ways to reduce care costs.
What are Dental Implants?
Inserted underneath the gumline, dental implants act as replacement tooth roots for bridges and dentures. By creating an artificial support structure, implants help prevent bone loss, oral infections and other dental problems.
Several types of implants are available. Endosteal implants are the most common. A titanium post is placed in the jaw underneath the gumline, with an abutment above the gums which acts as an anchor for the crown. Subperiosteal implants are also common. Placed onto your jawbone, they’re used when the bone isn’t strong enough to support endosteal implants. Mini implants are another option and are often used to provide extra stability and reduce slippage of a denture (particularly a lower denture or partial bridge.
How Much Do Implants Cost?
Single endosteal implants typically range from $3,000 to $4,500 apiece, with a full set running between $20,000 and $45,000. Subperiosteal implants are typically slightly more expensive because the installation procedure is more complicated. Mini implants cost $500 to $1,500 per implant, and you will probably need 4-6 to secure a lower denture.
However, these prices are just estimates. Costs for all dental procedures can vary significantly based on a few factors. Aside from the type and number of implants, infections or any underlying issues which lead to the tooth loss might also need to be treated.
Who your dentist is, and what they specialize in, will also affect care costs. While a general dentist can handle most implant procedures, more complicated situations could require a dental specialist called a prosthodontist. They’re dentists who have completed an additional two years of study on treating missing teeth and related issues.
Does Careington Dental Insurance Cover Implants?
Dental insurance is a popular way to lower many dental care costs, but policies often have limitations. Almost all dental insurance policies cover 100% of the costs for preventative care like check-ups and cleanings.
However, coverage beyond preventative care varies. Careington dental insurance categorizes dental implants as restorative care, and typically covers 50% of the cost of such procedures. It’s important to check the documentation of any insurance plan you are considering purchasing, of course, since coverage details vary.
Also, even if insurance does offer savings on dental implants, almost all dental insurers include what’s commonly called a “missing tooth clause.” Basically, coverage does not extend to any treatment for teeth which were missing before you purchased the policy.
If you’ve lost a tooth after you’ve purchased dental insurance, your policy might cover some of the implant costs. However, most insurance policies require a waiting period of 6-12 months before coverage begins.
What is a Dental Savings Plan?
Dental savings plans are often referred to as the affordable alternative to dental insurance. With a dental savings plan, you can save between 20% and 60% on a huge variety of dental procedures.
Dental savings plans work differently than insurance. Enrolling in the plan costs about $10 to $15 a month. Subscribers then have access to instant savings applied at the time of the procedure.
Will a Dental Savings Plan Help Me Save on Implants?
They’re often an excellent option. Savings plans cost about $125 annually, which is comparable or even less than most dental insurance plans. However, unlike dental insurance, dental savings plans have no annual spending limits. Plus, savings plans place no limits on pre-existing conditions. That’s great news if you need an implant to treat a tooth which is already missing. Savings plans activate within about two or three days after purchase, allowing you to afford treatment right away.
While dental insurance does have benefits, it’s not the only way to save on dental implants. Careington Dental understands this, which is why they offer several dental discount plans. Affordable implants – and great dental health – can be yours today.